| 银行分销渠道整合的位置-产量模型研究 |
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| 引用本文： | 李爱喜.银行分销渠道整合的位置-产量模型研究[J].哈尔滨建筑大学学报,2003(10). |
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| 作者姓名： | 李爱喜 |
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| 作者单位： | 西北农林科技大学经管学院 陕西 |
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| 摘 要： | 在新金融条件下,如何有效整合银行传统的分销渠道而使其在新的挑战面前不失昔日风采,这是金融理论界和实践界近年来一直在探讨的问题。本文从博弈论的角度,建立一个位置-产量博弈模型来探讨此问题,通过求解博弈模型的均衡解,得出的结论是,当银行产品替代性较大时,银行的分销渠道应尽量分散化;当银行产品具有互补性时。银行的分销渠道应尽量集中化;当银行产品没有替代性或互补性时,银行的分销渠道选择具有较大任意性。据此,分析了我国银行网点设置不合理的原因及提出了有效整合我国银行业分销渠道的两点建议。
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| 关 键 词： | 替代产品 分销渠道 整合 博弈 |
Location and quantity model for adjustment to bank distribution channels |
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| LI Ai-xi,College of Economics and Management,Northwest Agriculture and Forestry Technology University,Yangling ,China,E-mail:lax@sohu.com.Location and quantity model for adjustment to bank distribution channels[J].Journal of Harbin University of Civil Engineering and Architecture,2003(10). |
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| Authors: | LI Ai-xi College of Economics and Management Northwest Agriculture and Forestry Technology University Yangling China E-mail:lax@sohucom |
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| Affiliation: | LI Ai-xi,College of Economics and Management,Northwest Agriculture and Forestry Technology University,Yangling 712100,China,E-mail:lax68@sohu.com |
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| Abstract: | In order to further study how to adjust the bank distribution channel in a new situation, a location and quantity model has been established using the game theory. The conclusion drawn by obtaining solutions for the game model is that the bank distribution channels should be dispersed as much as possible when the bank products are substitutes; the bank distribution channels should be concentrated as much as possible when the bank products are complementary; and the selection of bank distribution channels is arbitrary when the bank products are not substitutes or complementary. The causes for irrational location of bank distribution channels in China are analysed, and suggestions are made for adjustment to bank distribution chanels. |
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| Keywords: | substitute products distribution channels adjustment game theory |
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