全球信用卡竞争规制的路径探析

发布时间：2018-11-08 13:40

【摘要】：在现代经济中,信用卡网络、发卡方和终端方都在市场中扮演着重要角色。它们的作用主要是使消费者支付更便捷,使消费者更具购买力。银行通过扩大信贷,实际上消除了商家和消费者之间的信用风险,进而促使一个规模更大的经济体,一个比其他市场更有效的市场的形成。据2016年上海法院金融商事审判白皮书显示,2016年上海法院共受理一审金融商事案件94496件,其中银行卡纠纷名列榜首。与此同时,涉及银行卡、信用卡的相关市场竞争问题在全球范围内均成为困扰竞争法律实施的主要问题之一。本文通过剖析全球范围内信用卡竞争的特征与问题,对比司法干预与立法干预两种途径,以探求解决信用卡竞争问题的新方法。
[Abstract]:In the modern economy, credit card networks, issuers and terminals all play an important role in the market. Their main role is to make consumers pay more easily, so that consumers have more purchasing power. By expanding credit, banks effectively eliminate credit risk between businesses and consumers, thus creating a larger economy, a more efficient market than other markets. According to a 2016 white paper on financial and commercial trials in Shanghai's courts, Shanghai courts accepted 94496 first-instance financial and commercial cases in 2016, with bank card disputes topping the list. At the same time, the related market competition problems involving bank cards and credit cards have become one of the main problems puzzling the enforcement of competition law in the world. By analyzing the characteristics and problems of credit card competition in the world, this paper compares the two approaches of judicial intervention and legislative intervention, in order to explore a new method to solve the problem of credit card competition.
【作者单位】：内蒙古警察职业学院;
【分类号】：D912.29;F831.2

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