本文選題：銀行卡產(chǎn)業(yè)　切入點(diǎn)：交換費(fèi)　出處：《天津商業(yè)大學(xué)》2015年碩士論文

【摘要】：近年來,隨著消費(fèi)者持有銀行卡的意識增強(qiáng)以及POS跨行交易量的上升,與銀行卡有關(guān)的各方利益參與者的矛盾沖突接連不斷的出現(xiàn),甚至有些地區(qū)出現(xiàn)商戶們集體抵制受理銀行卡的“罷刷”事件。尤其是2013年新的刷卡手續(xù)費(fèi)標(biāo)準(zhǔn)的施行,以及2015年6月1日起Visa與Master Card等銀行卡組織準(zhǔn)入中國市場,這將會打破中國銀聯(lián)的壟斷勢力,并給中國銀行卡市場帶來一定的壓力。如果不對這些現(xiàn)象進(jìn)行深入研究和分析,其產(chǎn)生的影響必定會阻礙我國銀行卡產(chǎn)業(yè)的健康可持續(xù)發(fā)展,因此,本文在我國現(xiàn)有的銀行卡產(chǎn)業(yè)制度的背景下,結(jié)合國內(nèi)外的理論和模型的研究,基于一定的假設(shè),對交換費(fèi)的制定進(jìn)行了探索式的研究,希望為我國銀行卡產(chǎn)業(yè)的發(fā)展提供一定的理論支持。本文首先在雙邊市場的基礎(chǔ)上和Wright的博弈規(guī)則下介紹了銀行卡產(chǎn)業(yè)的運(yùn)作機(jī)制,同時剖析了銀行卡產(chǎn)業(yè)交換費(fèi)的發(fā)展歷程,并分析討論了交換費(fèi)調(diào)整對消費(fèi)者的成本轉(zhuǎn)嫁,為下文的進(jìn)一步研究提供理論基礎(chǔ);其次在結(jié)合中國銀行卡產(chǎn)業(yè)的發(fā)展特點(diǎn)以及銀行卡產(chǎn)業(yè)交換費(fèi)的理論模型的條件下,分析了不同目標(biāo)下影響交換費(fèi)制定的因素,并研究了交換費(fèi)對收單銀行和發(fā)卡銀行的經(jīng)濟(jì)效應(yīng),同時基于Hotelling模型分析了其對商戶和消費(fèi)者的經(jīng)濟(jì)效應(yīng);然后借鑒美國銀行卡組織Visa與Master Card集中定價機(jī)制下影響交換費(fèi)不斷調(diào)整的原因,分析了我國銀行卡產(chǎn)業(yè)交換費(fèi)調(diào)整的影響因素,并根據(jù)我國銀行卡產(chǎn)業(yè)的事實(shí)數(shù)據(jù)對交換費(fèi)與市場競爭的相關(guān)關(guān)系進(jìn)行分析,并指出目前研究中存在的困難和誤差;最后針對得出的結(jié)論提出了相應(yīng)的政策建議。
[Abstract]:In recent years, with the enhancement of the awareness of consumers hold bank card interbank trading volume rose and POS, appeared to be related to the interests of all parties and participants of the conflict continuously bank cards, and even some areas of merchants accept bank cards "boycott" brush "event. Especially in 2013 the new credit card fee standard implementation since June 1, 2015, Visa and Master, and the Card bank card organization Chinese market access, it will break Chinese UnionPay's monopoly power, and to China bank card market to bring some pressure. If not the thorough research and analysis of these phenomena, its impact will hinder China's bankcard industry healthy and sustainable development, so in this paper, China's current system of bank card industry under the background of the study of theory and model, based on certain assumptions on the exchange fee The exploratory study of the formulation, hope to provide some theoretical support for the development of Chinese bankcard industry. Firstly, the game rules based on bilateral market and Wright introduced the operating mechanism of the bankcard industry, and analyzes the development process of the interchange fee of bank card industry, and discuss the exchange fee adjustment costs to consumers, provide a theoretical basis for further research; secondly China combines the characteristics of the development of bank card industry conditions and theoretical model of interchange fees under the bank card industry, analyzed the influence factors of interchange fees set under different targets, and to study the economic effects of acquiring banks and exchange fees the issuing bank, at the same time, based on the Hotelling model to analyze the economic effects of businesses and consumers; and then learn from the United States Visa and Master Card bank card organization centralized pricing mechanism Because under the influence of interchange fee adjustment, analyzes the influencing factors of the interchange fee adjustment of China's bankcard industry, and analyze the data according to the facts of China's bank card industry related to exchange fees and market competition, and points out the difficulties and errors existing in the current research; finally put forward the corresponding policy suggestions for come to the conclusion.

【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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相關(guān)期刊論文 前1條

1 胥莉;陳宏民;;銀行卡定價理論的新發(fā)展——兼論對我國銀行卡POS交易價格形成機(jī)制的啟示[J];中國工業(yè)經(jīng)濟(jì);2006年06期

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本文編號：1679609