论中国银联在支付清算市场的反垄断法规制

发布时间：2018-01-16 12:05

本文关键词：论中国银联在支付清算市场的反垄断法规制　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：中国银联在支付清算领域发挥着巨大作用,负责银行卡市场的跨行交易转接。在金融开放和金融创新的导向下,开放银行卡支付清算市场乃大势所趋。随着信息技术的更新和产业政策的开放,第三方支付机构不断成熟,如支付宝已经在线上支付市场占据领军地位,并且开始渗透到线下支付业务,这将撼动银联的垄断地位。为了保护和巩固在银行卡支付清算市场的主导地位,银联限制成员银行与第三方支付机构的直连交易,并且阻碍VISA进入国内市场。对于银联的这些垄断行为,应加以规制。本文围绕银联垄断的“地位”、“行为”、“效果”以及“规制”四大环节展开,其中研究的重点是银联的垄断行为和对其反垄断法规制的完善。首先,介绍银行卡组织的历史来源和两种业务模式,并总结了中国银联的组织构建和业务特征,提出其所处市场中的法律关系；其次,从实证的角度提出了三种垄断行为,分别对应银联可能涉及的行为,并分析这些行为的积极和消极效果；再次,提出针对银行卡组织垄断行为的法律规制价值,总结国外卡组织在监管主体、监管对象以及适法原则方面的反垄断规制经验；最后,提出银联的反垄断适法原则以及规制路径,即要以合理推定原则、专业执法部门和专门立法来完善对银联的反垄断法规制,同时要引入竞争机制,或新设卡组织,或建立民间清算组织,以此来优化市场环境。
[Abstract]:China UnionPay plays an important role in the field of payment and settlement, taking charge of the interbank transaction transfer in the bank card market, under the guidance of financial opening and financial innovation. With the updating of information technology and the opening of industrial policies, third-party payment institutions are becoming more and more mature, such as Alipay has taken the leading position in the online payment market. And began to infiltrate the offline payment business, which will shake the monopoly of UnionPay. In order to protect and consolidate the dominant position in the bank card payment clearing market. UnionPay limits the direct transactions between member banks and third-party payment agencies and prevents VISA from entering the domestic market. These monopolies of UnionPay should be regulated. This paper focuses on the "status" of UnionPay monopoly. "behavior", "effect" and "regulation" are launched, among which the focus of the study is the monopoly behavior of UnionPay and the perfection of its anti-monopoly law regulation. First of all. This paper introduces the historical sources and two business models of bank card organization, summarizes the organizational structure and business characteristics of China UnionPay, and puts forward the legal relationship in the market in which it is located. Secondly, three kinds of monopolistic behaviors are put forward from the empirical point of view, corresponding to the possible behaviors of UnionPay respectively, and the positive and negative effects of these behaviors are analyzed. Thirdly, it puts forward the value of legal regulation on the monopoly behavior of bank card organization, and summarizes the anti-monopoly regulation experience of foreign card organization in the aspects of the subject of supervision, the object of supervision and the principle of appropriate law. Finally, the paper puts forward the appropriate antitrust law principle and regulation path of UnionPay, that is, to perfect the anti-monopoly law regulation of UnionPay with the principle of reasonable presumption, professional law enforcement department and special legislation, and at the same time to introduce the competition mechanism. Or the establishment of new card organizations, or the establishment of private liquidation organizations to optimize the market environment.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.294

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