作　　者： ;

机构地区： 深圳大学经济学院

出　　处： 《特区经济》 2008年第1期77-78,共2页

摘　　要： 近年来,我国商业银行逐步改变了以往对存款、查询等个人业务实行免费的政策,开始对这些服务项目采取小额收费。本文用博弈论方法对银行的小额收费和消费者行为进行了经济学分析,认为银行小额收费虽然符合市场经济的特征,但其定价行为需要规范,并就此提出应当实行价格听证制度和最低服务制度,同时建议政府出台政策鼓励银行机构创新和银行业务创新。 For a long time, in our country the commercial banks put free charge policy into individual business such as bank deposit, inquiry. But in recent years, banks gradually changed the pricing policy. Consumers had to pay small amount charge for the bank service. This paper researched the small amount charge of bank and Consumer behavior with game theory., and suggested that although the pricing behavior of the bank＇ meet the market economy, it should to be standardized. The paper raised that the price hearing meeting system and the minimum service system should be implemented, and suggested that the government introduced the policy stimulating bank institutions innovation and bank business innovation.

关 键 词： 银行服务 小额收费 博弈

领　　域： [经济管理] [经济管理] [经济管理]