You are here

Home » Content

BANKACILIK KOMİSYON VE ÜCRETLERİNİN KREDİ FİYATLARINA VE KARLILIĞA ETKİSİ: TEORİK KANITLAR

THE EFFECTS OF FEES AND COMMISSIONS ON LOAN PRICING AND PROFITABILITY: THEORETICAL EVIDENCES

Journal Name:

  • Kırklareli University Journal Of The Faculty Of Economics and Administrative Sciences

Publication Year:

  • 2017

Key Words:

Keywords (Original Language):

Author NameUniversity of Author
Abstract (2. Language): 
Intensifying competition in the banking sector in the 1990’s increased the importance of the non-interest income activities for banks. Banks sought the ways of selling non-interest products and targeted their core costumers as a reaction against increasing competition. To fulfill their objectives, they introduced pricing strategies that connect interest and noninterest products. In this vein, price information level differences play a key role to turn good old days. This study theoretically extends the Kim et al. (2003)’s model by integrating the fees and commissions charged from the loan activities into the model in the presence of less- and well-informed customers. Theoretical extension shows that there is a negative relationship between loan price and, fees and commissions. Moreover, the study provides that this negative relationship helps banks to increase their profit by renting from lessinformed loan customers.
Bookmark/Search this post with
Abstract (Original Language): 
Bankacılık sektöründe 1990’larda artan rekabet bankalar için faiz-dışı gelirin önemini artırdı. Bankalar faiz-dışı ürün satmanın yollarını aramaya başladılar ve kredi müşterilerini hedef seçtiler. Bankalar bu amaçlarını gerçekleştirmek için yeni fiyat stratejileri ortaya koydular ve faiz ile faiz-dışı gelir arasında bağlantı kurdular. Bu bağlamda, müşterilerin kredi faizi fiyat bilgileri farklılıkları eski günlere dönüşte anahtar bir rol oynamakta. Bu çalışma, Kim vd. (2003)’ün modelini, müşterilerin farklı fiyat bilgisi seviyesini göz önünde bulundurarak, kredilerden alınan bankacılık ücret ve komisyonlarını entegre ederek genişletmektedir. Teorik çalışma kredi fiyatı ile bankacılık ücret ve komisyonları arasındaki negatif ilişkiyi ortaya koymaktadır. Dahası bu negatif ilişkinin bankanın fiyat bilgisi az olan müşteriler sayesinde daha fazla kâr elde etmesinde rol oynadığını ortaya koymaktadır.
FULL TEXT (PDF): 
PDF icon arastirmax-bankacilik-komisyon-ucretlerinin-kredi-fiyatlarina-karliliga-etkisi-teorik-kanitlar.pdf
  • 2
152
166
  • Turkish

REFERENCES

References: 

Ausubel, L. M. (1991). The Failure of Competition in the Credit Card Market. The American Economic
Review, 81(1):50-81.
Barone, G., Felici, R. - Pagnini, M. (2011). Switching costs in local credit markets. International Journal
of Industrial Organization, 29(6):694-704.
Barone, G., Felici, R. - Pagnini, M. (2006). Switching costs in local credit markets. Working paper,
Banca d'Italia.
Black, Lamont (2006). An empirical analysis of insider rates vs. outsider rates in bank lending. mimeo.
Carbo Valverde, S. - Rodriguez Fernandez, F. (2007). The determinants of bank margins in European
banking. Journal of Banking and Finance, 31(7):2043-2063.
Devlin, J. - Gerrard, P. (2005). A study of customer choice criteria for multiple bank users. Journal of
Retailing and Consumer Services, 12(4):297-306.
Ioannidou, V. - Ongena, S. (2010). Time for a Change: Loan Conditions and Bank Behavior when Firms
Switch Banks. The Journal of Finance, 65(5):1847-1877.
Kim, M., Kliger, D. - Vale, B. (2003). Estimating switching costs: the case of banking. Journal of
Financial Intermediation, 12(1):25-56.
Klemperer, P. (1987). Entry Deterrence in Markets with Consumer Switching Costs. The Economic
Journal, 97:99-117.
Kırklareli Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi (ISSN: 2146-3417 / E-ISSN: 2587-2052)
Yıl: 2017 – Cilt: 6 – Sayı: 2
166
Lepetit, L., Nys, E., Rous, P., - Tarazi, A. (2008). The expansion of services in European banking:
implications for loan pricing and interest margins. Journal of Banking and Finance, 32(11):2325-
2335.
Maudos, J. - Sols, L. (2009). The determinants of net interest income in the Mexican banking system:
An integrated model. Journal of Banking and Finance, 33(10):1920-1931.
Shy, O. (2002). A quick-and-easy method for estimating switching costs. International Journal of
Industrial Organization, 20(1):71-87.
Zhao, T., Matthews, K. - Murinde, V. (2013). Cross-selling, switching costs and imperfect competition
in British banks. Journal of Banking and Finance, 37(12):5452-5462.

Thank you for copying data from http://www.arastirmax.com