Approaches to deposit pricing : a study in the determination of deposit interest and bank service charges

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Title: Approaches to deposit pricing : a study in the determination of deposit interest and bank service charges
Author: Tarkka, Juha
Organization: Suomen Pankki
Series: Suomen Pankki. E
Series number: 2
Year of publication: 1995
Publication date: 1.2.1995
Pages: 166 s.
Subject (yso): pankit
Keywords: pankkitoiminta; Suomi; hinnoittelu; talletukset; korot; opinnäytteet;
Abstract: Sisällysluettelo: 1 Introduction 11 2 Price parameters of the deposit relationship 15 2.1 Dimensions of pricing 15 2.2 The tariff function 18 3 On the historical development of demand deposit pricing 22 3.1 The classical period of deposit pricing 22 3.2 The period of regulated banking 26 3.3 The new competition 30 4 Theories of deposit account pricing 35 4.1 The free competition model 35 4.2 The monopolistic approach 36 4.3 The implicit interest question 39 4.4 The multiproduct approach 43 5 Developing the theory of deposit pricing 45 5.1 Essay I: The risk sharing explanation 46 5.2 Essay II: The tax explanation 48 5.3 Essay III: The price discrimination explanation 49 5.4 Essay IV: Switching costs 51 6 Conclusions 52 References 54 Appendix The deposit account terms offered by a Finnish bank in 1995 59
Rights: https://helda.helsinki.fi/bof/copyright


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