The Interests Of The Commercial Bank Atm Market Mechanism And Strategic Choice

Along with the fast progress of card business, the role of ATM transaction is more and more important in payment channel. Accompany the fast pace of information and network industry development, the ATM transaction will substitute the transaction in branch organization of a bank and become the main channel in customer service system of local commercial bank. Analyzing the progress trend and profit mechanism of ATM market in deep level is crucially realizable meaning to strengthen the transaction channel and enhance the ability of competition in local commercial bank.This paper start with the expatiating development trend of aboard ATM market, then analyzes the trait of mature ATM market, such as profit mechanism and circumstance of competition. The paper point out that the trait of mature ATM market is dividing work in detail; prevalent in service charge; mature in profit mechanism; maximum in income. Beside this, the aboard mature ATM market is profitable mainly due to the charge of cardholder. According to above foundation, the paper analyzes the present status of local ATM market and development trend in the future. Author exert the model of Boter to analyze the current competition situation and expatiate on how develop mature profit mechanism of local ATM market, there are some key points such as increasing devotion, available deploy, canonical management and improve efficiency to realize the strategy goal--"large-scale, high-efficiency, low-cost, more-output".At the end of the paper, as the incessant progress of ATM market, the local ATM market will be mature in the future. Every operator will earn profit in such both competitive and profitable market.The paper is established in investigating the profit mechanism and competition pattern of mature ATM market, then clear that local ATM market should adopt which kind of profit mechanism and strategy to face the forthcoming mature local ATM market with traits of fast-pace progress, drastic competition and consummate service. Consequently realize the mentioned strategic target of the paper.