【摘要】：近年來(lái),在黨中央、國(guó)務(wù)院的正確領(lǐng)導(dǎo)下,人民銀行、銀監(jiān)會(huì)等主管部門(mén)牽頭推動(dòng)發(fā)卡銀行、收單銀行、中國(guó)銀聯(lián)等中國(guó)銀行卡產(chǎn)業(yè)鏈各方,為持卡人和商戶(hù)提供銀行卡支付服務(wù),使我國(guó)銀行卡產(chǎn)業(yè)在短短十余年的時(shí)間里取得了持續(xù)、健康的發(fā)展：市場(chǎng)規(guī)模持續(xù)擴(kuò)大,聯(lián)網(wǎng)通用的廣度和深度不斷拓展,產(chǎn)業(yè)鏈不斷完善,中國(guó)銀行卡自主品牌認(rèn)知度不斷提升,市場(chǎng)創(chuàng)新不斷豐富。政府推動(dòng)與市場(chǎng)機(jī)制相結(jié)合、雙邊市場(chǎng)與銀行卡組織的協(xié)同工作機(jī)制初步形成,政策環(huán)境不斷放寬、監(jiān)管力度不斷加強(qiáng),銀行卡產(chǎn)業(yè)發(fā)展在拉動(dòng)內(nèi)需、促進(jìn)經(jīng)濟(jì)增長(zhǎng)的作用日益顯著。隨著國(guó)際世貿(mào)組織在銀行卡業(yè)務(wù)清算方面對(duì)我國(guó)的要求,以及國(guó)際卡組織在國(guó)內(nèi)市場(chǎng)和國(guó)際市場(chǎng)競(jìng)爭(zhēng)的加劇,第三方支付的飛速發(fā)展,給銀行卡產(chǎn)業(yè)帶來(lái)的沖擊、中國(guó)清算市場(chǎng)的放開(kāi)等新的形勢(shì),中國(guó)銀行卡產(chǎn)業(yè)面臨轉(zhuǎn)型升級(jí)的迫切要求。面對(duì)新的經(jīng)濟(jì)形勢(shì),面對(duì)“內(nèi)憂外患”,面對(duì)多重挑戰(zhàn)與機(jī)遇,國(guó)家將為產(chǎn)業(yè)發(fā)展提供怎樣的政策的環(huán)境成為業(yè)內(nèi)關(guān)注的焦點(diǎn)。筆者結(jié)合在中國(guó)銀行卡組織的工作實(shí)際,通過(guò)分析國(guó)際、國(guó)內(nèi)銀行卡產(chǎn)業(yè)發(fā)展的異同,闡述了我國(guó)銀行卡產(chǎn)業(yè)環(huán)境不斷變化、市場(chǎng)規(guī)模平穩(wěn)增長(zhǎng)、基礎(chǔ)設(shè)施不斷完備、商業(yè)模式不斷更新、金融新政策不斷細(xì)化、新支付技術(shù)層出不窮、銀行卡自主品牌國(guó)際化持續(xù)推進(jìn)、國(guó)際影響力顯著提升的產(chǎn)業(yè)發(fā)展現(xiàn)狀,分析了我國(guó)銀行卡產(chǎn)業(yè)面臨產(chǎn)業(yè)重塑、政策支持不完備、法律法規(guī)不完善、定價(jià)策略明顯滯后、中國(guó)銀行卡組織面臨轉(zhuǎn)型難、銀行卡產(chǎn)業(yè)創(chuàng)新能力不足,等六個(gè)方面的新問(wèn)題和產(chǎn)生的原因。筆者通過(guò)了解和分析國(guó)際銀行卡產(chǎn)業(yè)先進(jìn)做法和經(jīng)驗(yàn),結(jié)合我國(guó)實(shí)際情況,提出了國(guó)家應(yīng)從加強(qiáng)宏觀調(diào)控和產(chǎn)業(yè)監(jiān)管力度、出臺(tái)明確的產(chǎn)業(yè)支持政策、實(shí)施銀行卡產(chǎn)業(yè)專(zhuān)項(xiàng)立法工作、進(jìn)一步明確中國(guó)卡組織職能、加強(qiáng)清算市場(chǎng)監(jiān)管、鼓勵(lì)第三方支付機(jī)構(gòu)技術(shù)創(chuàng)新、實(shí)施完全市場(chǎng)化的定價(jià)模式等七個(gè)方面給予政策支持的建議,旨在推動(dòng)我國(guó)銀行卡產(chǎn)業(yè)合理、有序、穩(wěn)健、持續(xù)發(fā)展,更具國(guó)際競(jìng)爭(zhēng)力。
[Abstract]:In recent years, under the correct leadership of the Party Central Committee and the State Council, the people's Bank of China, the Banking Regulatory Commission, and other competent departments have taken the lead in promoting all parties in the China banking card industry chain, such as card issuing banks, receiving banks, and China UnionPay. By providing bank card payment services to cardholders and merchants, the banking card industry in China has achieved sustained and healthy development in a short period of more than 10 years: the market scale continues to expand, and the breadth and depth of networking are constantly expanded. Industry chain continues to improve, China's banking card brand awareness continues to improve, market innovation is constantly rich. The government promotes the integration with the market mechanism, the cooperative working mechanism between the bilateral market and the bank card organization is initially formed, the policy environment is constantly relaxed, the supervision is constantly strengthened, and the development of the bank card industry is driving domestic demand. The role of promoting economic growth is becoming increasingly prominent. With the requirements of the WTO for the clearing of bank card business in China, as well as the intensification of competition between the international credit card organizations in the domestic and international markets, and the rapid development of third-party payment, the impact on the banking card industry has been brought. China's banking card industry is facing the urgent need of transformation and upgrading due to the opening of China's clearing market and other new situations. In the face of new economic situation, "internal and external troubles", and many challenges and opportunities, what kind of policy environment the country will provide for industrial development has become the focus of attention in the industry. By analyzing the similarities and differences between international and domestic bank card industry development, the author expounds the changing environment, steady growth of market scale, and continuous completion of infrastructure in the banking card industry in China. Business models are constantly updated, new financial policies are constantly refined, new payment technologies emerge in endlessly, bank card independent brands continue to be internationalized, and international influence is significantly enhanced. The paper analyzes that the banking card industry in China is facing the industry remodeling, the policy support is not complete, the laws and regulations are not perfect, the pricing strategy is obviously lagging behind, the banking card organization in China is facing the difficulty of transformation, and the innovation ability of the bank card industry is insufficient. And so on six aspects of new problems and causes. By understanding and analyzing the advanced practices and experiences of the international banking card industry and combining the actual situation of our country, the author puts forward that the state should strengthen the macro-control and industrial supervision, and issue a clear industrial support policy. To implement the special legislation for the banking card industry, to further clarify the functions of China's card organization, to strengthen the supervision of the clearing market, to encourage the technical innovation of third-party payment institutions, and to implement seven policy support proposals, such as a completely market-oriented pricing model, etc. The aim is to promote the rational, orderly, steady and sustainable development of China's banking card industry.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：2378166