信息不对称条件的信用卡市场价格决定分析.pdfVIP

摘要 逐凡露，我餮萤熏卡帑麓勰邃藏袭，竟争鳟懿热裁；嚣对，赣蔺、台湾等建 国信蠲卡支付危机又警联我们应该更加谨慎遗谶对这个新兴稚市蛹。本文从信用 卡市场的逶作机制以及各业瓣主体的市场定位开始进行分析，结合信息不对称理 论，讨论了信用卡市场中的储患不对称现象，并认为出于“大数法则”及信用卡 监务箕谴～些特经翡存在，．裔璐予挺毫蔫愚墓罨的准确度；然嚣，分涮从裁澜鬟 太强、威零导囊垄定贽秘消爨群行兔三方嚣结会横蹩详筑分褥了市场参与者对透 支利率、可邂支金额的决定过程，特别是利用利润最大化模型计算了缴卡银行的 最优可避浅利率及相应的墩忧可透支金额上限；嫩后，本文指出，为了促使信用 卡产她在我国斡健康发展，必须使我霞的售雳卡费率市场纯。 主邃键：镶雳卡蓿患不对称定癸模型莉澜最大托模鍪 Abstract Inthelastfew creditcardmarketinChina the years,the developsquickly,and withinitbecomes獭瓣eand臻。陀fierce．Whi{e，thecreditcardcrisisin competition usa attitude be to the KoreaandTaiwanreminds should CO∞with prudential paid market．This withthe mechanisminthecreditcard emerging paperbegins operation as asthe the inthe marketwell of positioningparticipatingpartiesmarket．Combining with informationtheories．thediscusges也einformation asymmetry paper asymmetry inthemarket。AndbecauseoftheLawof with phenomenon LargeNumbers，together itsown marketreveals ofinformation。Them, characteristios,thea挞￡矗clarity combinedwith1110Is．the t．hemarket paperanalyzes overdueinterestmteandtheallowed—overdue—amountinthe ofthe process following three profit pricingmodel，cost—orientedmodel，aS aspects，themaximizing pricing wellastheconsumerbehavior．Thecolculatesthebestoverdueinterestrateand paper withthe model，Attheendof itsrelatedallowed-overdue-amount