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신용카드 이자율은 왜 높은가?:1980년 이후 미국 신용카드 시장을 대상으로

Why are Credit Card Rates so High?:Focusing on the U. S. Credit Card Market since 1980

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참고문헌

키워드

주제분류경제학

초록

본 논문에서는 미국 신용카드 시장에서 초과 이자율이 발생한 원인을 은행의 협상력이 소비자에 비해 증가했기 때문이라는 것을, 일반화된 내쉬협상 모형을 이용하여 이론적으로 도출하고자 하였다. 이를 위해서 먼저 은행-소비자 모형을 구성하고, 이 모형을 일반화된 내쉬협상 모형과 결합하여, 협상력이 반영될 때 은행과 소비자 간에 이자율이 어떻게 결정되는지를 일반화된 내쉬협상 모형의 예를 통해 구체적으로 살펴보았다. 그 결과 이자율은 은행의 협상력이 커지면 상승하고, 소비자의 협상력이 커지면 감소하는 것으로 나타났다. 모형의 결과를 토대로, 1980년 이후 미국 신용카드 이자율의 변동을 시기별로 분석하였다.

Abstract

The paper tries to explain the origin of higher credit card rates in the U. S. since 1980 by using a theoretical model and supporting data. I suggest excessive credit card rates are caused by higher bargaining power of credit card banks relative to consumers and it was showed by way of an illustration of generalized Nash bargaining model. Based on the result of the model, historical movements of the rates were described considering factors which made an impact on bargaining powers by periods.

참고문헌 (30)

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