發(fā)布時(shí)間：2019-01-04 12:42

【摘要】：歐美自20世紀(jì)50年代發(fā)行銀行卡以來(lái),經(jīng)過(guò)50多年的發(fā)展,已經(jīng)形成了相當(dāng)成熟的銀行卡產(chǎn)業(yè)。我國(guó)銀行卡產(chǎn)業(yè)起步較晚,發(fā)展初期又受到國(guó)家較多的管制,進(jìn)入21世紀(jì)后才得到全面快速的發(fā)展。銀行卡產(chǎn)業(yè)現(xiàn)已初具規(guī)模,對(duì)銀行的重要性也日益顯著。銀行卡產(chǎn)業(yè)基礎(chǔ)的收費(fèi)行為是刷卡手續(xù)費(fèi)、年費(fèi)、跨行取現(xiàn)費(fèi),其收費(fèi)的合理與否關(guān)系到發(fā)卡銀行、收單銀行、持卡客戶(hù)、特約商戶(hù)和中國(guó)銀聯(lián)等各個(gè)參與主體的利益。從2004年持續(xù)到今天的銀商之爭(zhēng),2006年對(duì)銀行卡年費(fèi)、跨行查詢(xún)費(fèi)的爭(zhēng)議,到2013年刷卡手續(xù)費(fèi)標(biāo)準(zhǔn)下調(diào),其收費(fèi)行為一直是人們關(guān)注的焦點(diǎn)。迄今為止,對(duì)銀行卡產(chǎn)業(yè)收費(fèi)問(wèn)題的研究集中在刷卡手續(xù)費(fèi)中的交換費(fèi)上,針對(duì)交換費(fèi)價(jià)格形成機(jī)制進(jìn)行了相關(guān)研究。對(duì)我國(guó)現(xiàn)行的銀行卡年費(fèi)和跨行取現(xiàn)費(fèi)的研究很少。 本文首先闡述了雙邊市場(chǎng)、網(wǎng)絡(luò)外部性理論和銀行卡價(jià)格形成機(jī)制理論,分析了我國(guó)銀行卡產(chǎn)業(yè)的收費(fèi)現(xiàn)狀,然后運(yùn)用雙邊市場(chǎng)理論對(duì)我國(guó)現(xiàn)行刷卡手續(xù)費(fèi)的合理性進(jìn)行分析,結(jié)論是現(xiàn)行單一比例的刷卡手續(xù)費(fèi)不合理,提出合理化其收費(fèi)行為的關(guān)鍵對(duì)商戶(hù)實(shí)行二級(jí)價(jià)格歧視,根據(jù)交易規(guī)模對(duì)商戶(hù)刷卡手續(xù)費(fèi)實(shí)行超額累退收費(fèi)方式；運(yùn)用博弈模型對(duì)收取年費(fèi)行為的合理性進(jìn)行了分析,結(jié)論是影響收取年費(fèi)的關(guān)鍵因素是客戶(hù)對(duì)價(jià)格的敏感度,因此,銀行可以對(duì)客戶(hù)實(shí)行三級(jí)價(jià)格歧視,高端客戶(hù)對(duì)價(jià)格敏感度較小,可以收取年費(fèi),低端客戶(hù)對(duì)價(jià)格敏感度較大,應(yīng)免年費(fèi)；運(yùn)用網(wǎng)絡(luò)外部性理論對(duì)跨行取現(xiàn)收費(fèi)合理性進(jìn)行分析,得出的結(jié)論是,收取跨行費(fèi)使目前擁有優(yōu)勢(shì)的大型國(guó)有商業(yè)銀行在未來(lái)的競(jìng)爭(zhēng)中更具有競(jìng)爭(zhēng)力,而對(duì)目前處于劣勢(shì)的中小商業(yè)銀行更不利。
[Abstract]:After more than 50 years of development, Europe and America have formed quite mature banking card industry since the issuance of bank cards in the 1950s. China's banking card industry started late and was regulated by the state at the initial stage of development. It was only after entering the 21st century that the bank card industry developed rapidly and comprehensively. Bank card industry is now taking shape, the importance of banks is also increasingly significant. The basic charging behavior of bank card industry is credit card fee, annual fee, inter-bank cash withdrawal fee. Whether the charge is reasonable or not is related to the interest of the card issuing bank, the receiving bank, the cardholder customer, the special merchant and the China UnionPay and so on. From 2004 to today, the controversy of bank card annual fee and cross-bank inquiry fee in 2006, and the downgrade of credit card fee standard in 2013, the behavior of bank card fee has always been the focus of attention. Up to now, the research on bank card industry charge is focused on the exchange fee in the charge of credit card, and the mechanism of the exchange fee price is studied. The current bank card annual fee and cross-bank withdrawal fee are seldom studied in China. This paper first expounds the bilateral market, the network externality theory and the bank card price formation mechanism theory, analyzes the current situation of the bank card industry charge in our country, then uses the bilateral market theory to analyze the rationality of the current credit card handling fee in our country. The conclusion is that the current single proportion of card charge is unreasonable, the key to rationalizing its charging behavior is to carry out second-level price discrimination against the merchant, and the excessive cumulative refund method is carried out on the basis of the scale of the transaction. The rationality of annual fee collection is analyzed by using the game model. The conclusion is that the key factor affecting the annual fee collection is the sensitivity of the customer to the price. Therefore, the bank can discriminate against the customer by three levels of price. High-end customers are less sensitive to prices, can charge annual fees, low-end customers are more sensitive to price, should be free of annual fees; By using network externality theory, the rationality of cross-bank withdrawal charges is analyzed. The conclusion is that collecting cross-bank fees makes large state-owned commercial banks with advantages more competitive in the future competition. And the current disadvantage of the small and medium-sized commercial banks are more disadvantageous.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.2

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