The determinants and profitability of switching costs in Chinese banking

Yin, Wei and Matthews, Kent Gerard Patrick ORCID: https://orcid.org/0000-0001-6968-3098 2016. The determinants and profitability of switching costs in Chinese banking. Applied Economics 48 (43) , pp. 4156-4166. 10.1080/00036846.2016.1153790

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Abstract

This article models the determinants of bank switching costs in China in terms of bank characteristics and non-bank variables. It also determines the contribution of switching costs to banks’ profits. Using a sample of 151 banks over the period 2003–2013 it reports a positive relationship between bank profitability and switching costs. The main result is that bank size measured by total assets has a complex relationship with switching costs. Competition between small banks creates the incentive for lock-in and increased switching costs whereas very large banks are less exercised by lock-in and switching costs.

Item Type:	Article
Date Type:	Publication
Status:	Published
Schools:	Business (Including Economics)
Additional Information:	Published online 1 March 2016
Publisher:	Routledge
ISSN:	0003-6846
Last Modified:	01 Nov 2022 09:30
URI:	https://orca.cardiff.ac.uk/id/eprint/88210

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