Social expertise: a new view to explain spatial divergences in personal consumer loan prices

被引：5
作者：
Barrutia, Jose M. [1 ]
Echebarria, Carmen [1 ]
机构：
[1] Univ Basque Country, Fac Econ & Business Adm, Bilbao 48015, Spain
来源：
SERVICE INDUSTRIES JOURNAL | 2010年 / 30卷 / 11期
关键词：
price; interest rates on personal loans to households; spatial view; social expertise; knowledge; Eurozone; DURABLE GOODS; KNOWLEDGE; FRAMEWORK; SERVICES; INTERNET;
D O I：
10.1080/02642060802626808
中图分类号：
C93 [管理学];
学科分类号：
12 ; 1201 ; 1202 ; 120202 ;
摘要：
The objective of this paper is to explain geographical divergences in interest rates on personal loans to households using aggregated consumer knowledge-related metrics as predictors. The researchers quantitatively test their approach in countries in the Eurozone and in the Italian and Spanish regions. Social expertise explains between 69% and 84% of variance in household loan market prices at an international and inter-regional level. The approach taken is tested using real market data established after real service encounters and not published or recommended prices.
引用
收藏
页码：1803 / 1816
页数：14
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