by Li Sze-Ming, Tam Ming-Yan. / Thesis (M.B.A.)--Chinese University of Hong Kong, 2001. / Includes bibliographical references (leaves 93-100). / ABSTRACT --- p.ii / TABLE OF CONTENT --- p.iii / CHAPTER / Chapter I. --- INTRODUCTION --- p.i / Chapter I.I. --- Hong Kong and Shanghai Banking Corporation's Announcement --- p.1 / Chapter I.II. --- Banking Industry Revolution --- p.4 / Chapter I.III. --- Major Issues --- p.6 / Chapter I.IV. --- Services Fees --- p.7 / Chapter II. --- BANK FEES AND FUTURE IMPLICATIONS --- p.8 / Chapter II.I. --- Should The Banks Impose Services Fees/Charges? --- p.8 / Chapter II.I.I. --- Analysis of Big Banks --- p.9 / Chapter II.I.I.I. --- Stagnant Growth in Banking Industry --- p.11 / Chapter II.I.I.II. --- Interest Rate Deregulation --- p.16 / Chapter II.I.I.III. --- Deposit Insurance Schemes --- p.19 / Chapter II.I.I.IV. --- Technology Advancements --- p.21 / Chapter II.I.II. --- Analysis of Medium and Small Banks --- p.24 / Chapter II.I.II.I. --- Excess Capacity --- p.28 / Chapter II.I.II.II. --- """Human"" Banking" --- p.31 / Chapter II.I.II.III. --- Deposit Insurance Scheme --- p.32 / Chapter II.II. --- How Should Fees Be Charged? --- p.34 / Chapter II.II.I. --- What Are The Criticisms? --- p.34 / Chapter II.II.I.I. --- Social Responsibilities --- p.34 / Chapter II.II.I.II. --- Commodity --- p.35 / Chapter II.II.I.III. --- Self-Servicing Facilities is Not for Everyone --- p.26 / Chapter II.II.I.IV. --- Specific Roles --- p.36 / Chapter II.II.I.V. --- Social Stratification --- p.37 / Chapter II.II.II. --- Who Could Bear the Charge? --- p.37 / Chapter II.II.III. --- What are the Fees Strategies? --- p.38 / Chapter II.II.III.I. --- Raising Existing Fees --- p.38 / Chapter II.II.III.II. --- Inventing New Fees --- p.39 / Chapter II.II.III.III. --- Making It More Difficult To Avoid Fees --- p.39 / Chapter II.II.IV. --- What Should Be the Pricing Structures? --- p.40 / Chapter II.II.IV.I. --- One-Size-Fits-All Approach --- p.40 / Chapter II.II.IV.II. --- Pay-As-You-Go Approach --- p.41 / Chapter II.II.IV.III. --- Tiered Interest Rate Scheme --- p.42 / Chapter II.III. --- Future Development of Banking Industry --- p.46 / Chapter II.III.I. --- Markets Segmentations --- p.46 / Chapter II.III.II. --- Merger and Acquisition --- p.48 / Chapter II.III.III. --- Fees-Oriented Market --- p.49 / Chapter II.III.IV. --- Customer-Value Focus --- p.51 / Chapter II.III.V. --- Branches Reform --- p.52 / Chapter II.III.VI. --- Self-Servicing Facilities --- p.53 / Chapter II.III.VII. --- Posts Offices --- p.54 / Chapter III. --- SUMMARY AND CONCLUSION --- p.55 / APPENDIX --- p.57 / Chapter 1 --- HSBC'S NEW SERVICES AND CHARGES POLICY --- p.58 / Chapter 2 --- A COMPARISON OF BANKING SERVICE FEES OF BIG BANKS --- p.65 / Chapter 3 --- A COMPARISON OF BANKING SERVICE FEES OF MEDIUM AND SMALL BANKS --- p.70 / Chapter 4 --- A COMPARISON OF SMALL DEPOSIT ACCOUNT INTEREST RATES AND FEES --- p.91 / BIBLIOGRAPHY --- p.93