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首页> 外文期刊>The Antitrust Bulletin >Household switching behavior at depository institutions: evidence from survey data
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Household switching behavior at depository institutions: evidence from survey data

机译：存款机构的家庭转移行为：调查数据的证据

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The survey data show that location continues to be an important factor in households' choice of depository institution, and that relocation is the most frequently cited reason for a change of bank. While price factors are important among the third of households that have initiated a change for reasons other than a relocation, relatively few households overall appear to have initiated a bank change mainly because of price factors. Households show substantial heterogeneity in both the likelihood of switching and in the responsiveness to prices or a preference for specific bank characteristics. The differentiation of banks and banking products as well as the heterogeneity in customer preferences appears to be central to customer behavior. Mergers appear to have induced the most recent change of banks for between 5% and 7% of all households with bank accounts. Correlation coefficients between a merger and other reasons cited for changing banks indicate that households are more likely to switch after a merger because of nonprice factors, such as customer service, rather than in response to price changes that may have occurred with the merger. The tendency of households to remain with a bank for many years (the median tenure in the sample is 10 years), along with the third of households that cite the inconvenience of switching as a reason for remaining with their bank, suggest that substantial changes in prices or services may be necessary to induce many households to change institutions. Two phenomena may counteract this inertia in deposit relationships.
机译：调查数据表明，选址仍然是家庭选择存托机构的重要因素，而搬迁是银行更迭的最常见原因。虽然价格因素在因搬迁以外的其他原因发起了变更的家庭中很重要，但总体而言，相对而言，很少有家庭似乎主要是由于价格因素而发起了银行变更。家庭在转换的可能性和对价格的反应性或对特定银行特征的偏好方面都表现出很大的异质性。银行和银行产品的差异以及客户偏好的异质性似乎是客户行为的中心。合并似乎引起了最近的银行变更，在所有拥有银行帐户的家庭中，大约有5％至7％。合并与引用的其他导致银行变更的原因之间的相关系数表明，由于非价格因素（例如客户服务），而不是响应合并过程中可能发生的价格变化，家庭在合并后更可能进行转换。家庭有多年留在银行的趋势（样本的平均任期为10年），还有三分之一的家庭将转换的不便作为留在银行的原因，这表明银行的变化很大。价格或服务可能是诱使许多家庭改变机构的必要条件。两种现象可以抵消沉积关系中的这种惯性。

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