Banking Firm''s Oligopolistic Competition and Technology Decision

• Main Authors: Lin, Huei-Wen, 林惠文
• Other Authors: Lin Jyh-Horng
• Format: Others
• Language: zh-TW
• Published: 1996
• Online Access: http://ndltd.ncl.edu.tw/handle/98208850387636740205

碩士 === 淡江大學 === 財務金融學系 === 84 === Under a critical assumption of imperfectly competitive deposit market, the paper establishes a theoretical model to discuss the relationships between technology decisions and oligopolistic competition. The paper adopts the two-stage analysis approach and the conjectural variation analysis approach to investigate whether the technology decision which the banking firm choosed could achieved the goal of maximum the profit. The primary conclusions include the following:1. If the "relatively higher ratio of information technology" has been used, the banking firm will increase its deposits.2. When both the conjectural variations of deposit and technology are consistant, the banking firm will choose the techonology which can minimize its total cost.3. If the actural reaction of competitors are rised in banking firm''s estimations, the banking firm will choose the "relatively higher ratio of information technology".4. If the banking firms think that his decisions will not influence the competitors'' actions and the deposits business are strategic subsititutes, the banking firm will select the "relatively higher ratio of information technology".