美国银行业账户管理费实证研究  

An Empirical Study on Account Maintenance Fee of the U.S.Banking

作　　者：张桥云[1] 

机构地区：[1]西南财经大学金融学院

出　　处：《金融论坛》2008年第8期48-52,共5页Finance Forum

基　　金：国家自然科学基金项目"开放与竞争条件下我国银行存款产品设计创新研究"(项目批准号70573084)的阶段性研究成果

摘　　要：本文分析美国不同规模银行账户管理费的定价差异和规律,在基于统计数据的基础上发现:对于支票账户,大银行、小银行支票账户余额要求与账户管理费水平之间呈正相关关系,大银行采取的是"低起点、高余额、高账户管理费"的定价策略,而小银行采取的是"高起点、低余额、低账户管理费"的定价策略;对于储蓄账户,大银行储蓄账户开户起点与账户管理费、资产规模之间呈正相关关系,而小银行呈负相关关系,大银行采取的是"低起点、低利率、高余额、低账户管理费"定价策略,小银行采取的是"高起点、高利率、低余额、高账户管理费"定价策略。美国银行业账户管理费的做法对我国银行业的经营实践具有一定的借鉴意义。By using the results of statistic analysis, this paper explores the pricing discrepancies and laws in account maintenance fee with different sizes in U.S. banks. For check accounts, the account balance requirements of both large and small banks are positively related to maintenance fee. Large banks emphasize ＂low initial deposit, high combined average balance and high monthly fees＂, while small banks＇ strategies are virtually on the contrary. For the savings accounts, the amount of initial deposit shows positive correlation with maintenance fee and asset size in large banks, but negative in small banks. In addition, large banks take the strategy of ＂low initial deposit, low interest rate, high combined average balance and low monthly fees＂, which is also in contrast with that of small banks. Chinese banking can use the experience of U.S. banking for reference.

关 键 词：美国银行业 存款账户 支票账户 账户管理费 

分 类 号：F837.12[经济管理—金融学]