Switching Cost and the Deposit Demand in China

  title={Switching Cost and the Deposit Demand in China},
  author={C. Ho},
This paper develops and estimates a dynamic model of consumer demand for deposits, in which banks provide di¤erentiated products, and product characteristics evolve over time. Consumers choose their banks based on the utility received from using their services, and incur a …xed cost when they switch banks. Consequently, consumer choices include which bank to use and when to switch. Utilizing the dynamic structural model, I analyze the impact of forward looking behavior on understanding consumer… CONTINUE READING


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