基于双边市场理论的信用卡产业发展研究

发布时间：2018-03-01 17:42

本文关键词： 双边市场信用卡联立方程　出处：《湖南师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：消费金融是指由金融机构向消费者提供包括消费贷款在内的金融产品和金融服务,在消费金融比较发达的国家,由消费金融支持的消费在全部消费中占较大比重。个人消费金融在我国的迅速发展为我国信用卡产业的发展提供了有利条件。我国第一张信用卡是由中国工商银行发行于1995年的牡丹信用卡,经过二十多年的发展,信用卡产业无论发卡市场还是收单市场都初具规模,境内外受理环境得到极大改善。但同时也看到,相较于美国等信用卡产业发达的国家,我国信用卡产业发展起步较晚,市场规模差距较大,国内也频现由于银商“利益分配”不均等问题引发的特约商户抵制信用卡支付的现象。信用卡产业虽然是极具潜力的产业,仍处于发展初级阶段,运用最新的产业组织理论结合我国信用卡产业发展现状,对我国信用卡产业提高竞争力进入发展成熟阶段有重要意义。本文第一章是绪论,介绍了论文研究背景、研究目的和意义、研究方法和文献综述。第二章到第四章按照“双边市场和信用卡产业理论研究→信用卡产业双边市场分析→中国信用卡产业现状分析”的逻辑顺序,从理论到实际层层递进的分析了信用卡产业的双边市场特征。第二章是理论介绍,主要介绍了双边市场理论相关概念和特征,以及介绍了信用卡产业的定义、产业链的构成,并详细介绍了信用卡产业供给方的行为主体：信用卡发卡行、收单行和银行卡组织；第三章基于双边市场理论,从模型解释、定性分析和实证分析研究信用卡产业,以封闭组织下的信用卡双边市场模型解释了信用卡持卡人和特约商户相互影响的机制,通过联立方程组实证分析了信用卡产业的交叉网络经济特征；第四章收集和整理最新的数据,结合前面章节的研究从我国信用卡产业的发展现状出发,包括了信用卡产业规模、集中度的分析,给予发卡行和政府关于我国信用卡产业发展的相关政策建议。
[Abstract]:Consumer finance refers to the provision of financial products and services by financial institutions to consumers, including consumer loans. In countries with relatively developed consumer finance, Consumption supported by consumer finance accounts for a large proportion of the total consumption. The rapid development of personal consumption finance in China provides favorable conditions for the development of the credit card industry in China. The first credit card in China was made by China Industrial and Commercial Bank. The Peony Credit Card issued on 1995, After more than 20 years of development, the credit card industry, both in the credit card market and in the receiving market, has taken shape, and the domestic and foreign reception environment has been greatly improved. But at the same time, we can also see that, compared with countries with developed credit card industries such as the United States, The development of credit card industry in our country started relatively late, the market scale gap was large, and the phenomenon of special merchants boycotting credit card payment caused by the unequal distribution of interest among banks and merchants in China frequently occurred. Although the credit card industry is an industry with great potential, It is still in the primary stage of development. It is of great significance for the credit card industry to improve its competitiveness and enter the mature stage by combining the latest industrial organization theory with the present situation of the credit card industry in China. The first chapter is an introduction, which introduces the background, purpose and significance of the research, research methods and literature review. Chapter II to 4th according to the "bilateral market and credit card industry theory research. 鈫扐nalysis on bilateral Market of Credit Card Industry. 鈫扵he logical sequence of the current situation Analysis of China's Credit Card Industry, from theory to practice, analyzes the characteristics of the bilateral market of the credit card industry step by step. The second chapter is the theoretical introduction, which mainly introduces the related concepts and characteristics of the bilateral market theory. It also introduces the definition of credit card industry, the composition of industry chain, and the main actors of credit card industry supplier: credit card issuing bank, single bank and bank card organization. Qualitative analysis and empirical analysis of the credit card industry, using the closed organization of the credit card bilateral market model to explain the credit card holders and special merchants interaction mechanism. Through simultaneous equations, the paper empirically analyzes the cross-network economic characteristics of credit card industry. Chapter 4th collects and collates the latest data, and starts from the development status of credit card industry in China, including the scale of credit card industry. The analysis of concentration gives the card issuer and the government relevant policy suggestions on the development of credit card industry in China.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

【引证文献】