發(fā)布時間：2018-01-08 06:08

  本文關鍵詞：動態(tài)競爭理論分析中國信用卡市場結構　出處：《復旦大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 動態(tài)競爭 缺失數據 信用卡 回歸模型

【摘要】：信用卡是商業(yè)銀行提供的特殊產品,能對個人提供小額現金管理融投資的服務和利用小額信貸消費的屬性。中國的信用卡市場規(guī)模已經持續(xù)增長了多年,甚至在金融危機之中也保持了向上的趨勢。特別是2007年到2012,年,從累積發(fā)卡量和市場戰(zhàn)略數目上看,中國信用卡市場可謂發(fā)展勢頭迅猛。本論文旨在為商業(yè)銀行尋找最有效的競爭戰(zhàn)略,使之成功增加信用卡市場份額,同時對于市場領先者與落后者給出差異化的戰(zhàn)略推薦方案。論文提出并且證明了多個有關戰(zhàn)略行為對于市場份額波動影響的假設,尤其是驗證了競爭雙方不同的戰(zhàn)略側重點對于市場份額差異的影響規(guī)律。本文從競爭分析出發(fā),詳細整理歸納了多個流派的觀點,包括市場結構學說,熊彼特創(chuàng)新理論和動態(tài)競爭理論。然后選擇使用動態(tài)競爭理論來解釋市場份額波動與戰(zhàn)略行為強度,多樣性和差異化之間的關系。先根據動態(tài)競爭的學說,將中國信用卡市場劃分為國有四大銀行和混合所有制商業(yè)銀行,從年報中讀取了相關銀行各年份的發(fā)卡量統(tǒng)計數據作為因變量,利用搜索引擎,將所獲得新聞整理成不同品類的戰(zhàn)略行為,從數理上定義行為總量,反擊速度,銀行內行為多樣性和銀行間戰(zhàn)略差異化。再構建2個獨立和1個交叉回歸模型,通過驗證上述變量模型系數的顯著性,來證明假設的同時,在處理因變量相關數據,發(fā)卡量的缺失值時引入了統(tǒng)計學的經典方法,線性差值法和可比估計法。從回歸結果來看,國有銀行的獨立回歸模型顯示,與競爭者戰(zhàn)略行為的差異化能夠顯著解釋其市場份額；混合所有制商業(yè)銀行的獨立回歸揭示了,戰(zhàn)略行為的速度和多樣性能夠解釋其份額的波動情況；交叉回歸模型表明銀行在信用卡市場的競爭,其戰(zhàn)略行為的數目差值,速度差值和銀行間差異性能擬合市場份額間的差距。該研究顯示,行業(yè)發(fā)展并不只是相關銀行或者企業(yè)戰(zhàn)術的簡單組合,而是一系列競爭行為和互動下戰(zhàn)略的變革過程。同時,細分市場的結構,甚至整個市場,整個行業(yè)的未來都取決于大量高質量的競爭,有意義的多樣性行為,特定的差異化和有效的戰(zhàn)略執(zhí)行能力。
[Abstract]:Credit card is a special product provided by commercial banks, which can provide small cash management and investment services to individuals and use the attributes of micro-credit consumption. The scale of credit card market in China has been growing for many years. Even in the midst of the financial crisis, the upward trend has been maintained, especially between 2007 and 2012, in terms of cumulative card issuance and the number of market strategies. The credit card market in China is developing rapidly. This paper aims to find the most effective competitive strategy for commercial banks to increase the market share of credit card successfully. At the same time for market leaders and laggards to give a differentiated strategy recommendations. This paper puts forward and proves a number of assumptions about the impact of strategic behavior on market share fluctuations. In particular, it verifies the influence of different strategic emphasis on the market share difference. This paper summarizes the views of many schools, including the theory of market structure, from the competition analysis. Schumpeter innovation theory and dynamic competition theory. Then choose to use dynamic competition theory to explain the relationship between market share fluctuation and strategic behavior intensity, diversity and differentiation. First, according to the theory of dynamic competition. The credit card market in China is divided into four state-owned banks and commercial banks under mixed ownership. The statistical data of card issuance of relevant banks in each year are read from the annual report as dependent variables and search engines are used. The obtained news is classified into strategic behaviors of different categories, and the total amount of behavior, the speed of counterattack, the diversity of behavior within banks and the strategic differentiation among banks are defined mathematically. Then, two independent and one cross-regression models are constructed. By verifying the significance of the coefficients of the above variable model, the hypothesis is proved, and the classical statistical method is introduced to deal with the missing value of the dependent variable data and the number of cards issued at the same time. From the regression results, the independent regression model of state-owned banks shows that the differentiation from competitors' strategic behavior can explain their market share significantly. The independent regression of mixed ownership commercial banks reveals that the speed and diversity of strategic behavior can explain the fluctuation of their shares. The cross-regression model shows that the competition of banks in the credit card market, the number of differences in their strategic behavior, the speed difference and the performance of the difference between banks to fit the market share gap. Industry development is not only a simple combination of relevant bank or enterprise tactics, but also a series of competitive behavior and interactive strategic transformation process. At the same time, the structure of market segmentation, even the whole market. The future of the entire industry depends on high quality competition, meaningful diversity, specific differentiation, and effective strategic execution.
【學位授予單位】：復旦大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

【相似文獻】

相關期刊論文 前10條

1 陳憲;動態(tài)競爭戰(zhàn)略與中國企業(yè)[J];牙膏工業(yè);2000年03期

2 喬治·S·戴伊;在動態(tài)競爭環(huán)境中創(chuàng)造并保持優(yōu)勢[J];西部論叢;2004年06期

3 徐秋棟;《動態(tài)競爭戰(zhàn)略》[J];工業(yè)工程與管理;2004年S1期

4 莊雪芬,呂惠明;動態(tài)競爭中核心能力的提升路徑[J];企業(yè)經濟;2005年07期

5 韓煒;;動態(tài)競爭理論的研究述評與批判[J];科學學與科學技術管理;2007年08期

6 胡浩;;動態(tài)競爭的模式及規(guī)律分析[J];現代經濟(現代物業(yè)下半月刊);2008年12期

7 張立興;“三級動態(tài)競爭用工制”質疑[J];企業(yè)管理;1999年12期

8 藍海林,黃志峰;進攻與反擊──從彩電“價格戰(zhàn)”看動態(tài)競爭[J];企業(yè)管理;2000年06期

9 ;“三級動態(tài)競爭”用工制度[J];遼寧財稅;2000年04期

10 劉纓,劉云;三級動態(tài)競爭用工制[J];行政人事管理;2000年01期

相關會議論文 前2條

1 郭毅;詹志俊;顧為民;;相互學習與模仿:動態(tài)競爭視角下的組織間競爭[A];中國市場學會2006年年會暨第四次全國會員代表大會論文集[C];2006年

2 王小芳;;電信業(yè)的破壞性創(chuàng)新、動態(tài)競爭與規(guī)制——基于動態(tài)效率基準的3G之爭評價[A];中國工業(yè)經濟研究與開發(fā)促進會2005年會暨“產業(yè)組織與政府規(guī)制”研討會論文集[C];2005年

相關重要報紙文章 前10條

1 王秀清;動態(tài)競爭是把利器[N];中國經濟導報;2008年

2 ;第三屆動態(tài)競爭國際論壇在復旦大學管理學院舉行[N];東方早報;2012年

3 記者 劉瓊;把握動態(tài)競爭中的成長機會[N];第一財經日報;2012年

4 張良;樹動態(tài)競爭理念 奠網絡經營基礎[N];中國水運報;2002年

5 曹惺璧;危機來自看不見的競爭者[N];經濟觀察報;2012年

6 記者 張勝波　通訊員 盧慶雷 黃Z誒，

本文編號：1395922