| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w9883 |
| 来源ID | Working Paper 9883 |
| Fees and Surcharging in automatic teller machine networks: Non-bank ATM providers versus large banks | |
| Elizabeth W. Croft; Barbara J. Spencer | |
| 发表日期 | 2003-08-04 |
| 出版年 | 2003 |
| 语种 | 英语 |
| 摘要 | This paper develops a spacial model of ATM networks to explore the implications for banks and non-banks of interchange fees, foreign fees and surcharges applied to transactions by customers at other than an own-bank ATM. Surcharging raises the price (foreign fee plus surcharge) paid by customers above the joint profit-maximizing level achieved by setting the interchange fee at marginal cost and not surcharging. Similar size banks would agree not to surcharge, but such an agreement is typically not possible between a bank and a non-bank. A high cost of teller transactions modifies the tendency towards high ATM fees. |
| 主题 | Industrial Organization ; Market Structure and Firm Performance ; Financial Economics ; Financial Institutions |
| URL | https://www.nber.org/papers/w9883 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/567508 |
| 推荐引用方式 GB/T 7714 | Elizabeth W. Croft,Barbara J. Spencer. Fees and Surcharging in automatic teller machine networks: Non-bank ATM providers versus large banks. 2003. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w9883.pdf（374KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
