银行卡产业交换费调整的经济效应研究

发布时间：2018-03-29 04:34

本文选题：银行卡产业　切入点：交换费　出处：《天津商业大学》2015年硕士论文

【摘要】：近年来,随着消费者持有银行卡的意识增强以及POS跨行交易量的上升,与银行卡有关的各方利益参与者的矛盾冲突接连不断的出现,甚至有些地区出现商户们集体抵制受理银行卡的“罢刷”事件。尤其是2013年新的刷卡手续费标准的施行,以及2015年6月1日起Visa与Master Card等银行卡组织准入中国市场,这将会打破中国银联的垄断势力,并给中国银行卡市场带来一定的压力。如果不对这些现象进行深入研究和分析,其产生的影响必定会阻碍我国银行卡产业的健康可持续发展,因此,本文在我国现有的银行卡产业制度的背景下,结合国内外的理论和模型的研究,基于一定的假设,对交换费的制定进行了探索式的研究,希望为我国银行卡产业的发展提供一定的理论支持。本文首先在双边市场的基础上和Wright的博弈规则下介绍了银行卡产业的运作机制,同时剖析了银行卡产业交换费的发展历程,并分析讨论了交换费调整对消费者的成本转嫁,为下文的进一步研究提供理论基础;其次在结合中国银行卡产业的发展特点以及银行卡产业交换费的理论模型的条件下,分析了不同目标下影响交换费制定的因素,并研究了交换费对收单银行和发卡银行的经济效应,同时基于Hotelling模型分析了其对商户和消费者的经济效应;然后借鉴美国银行卡组织Visa与Master Card集中定价机制下影响交换费不断调整的原因,分析了我国银行卡产业交换费调整的影响因素,并根据我国银行卡产业的事实数据对交换费与市场竞争的相关关系进行分析,并指出目前研究中存在的困难和误差;最后针对得出的结论提出了相应的政策建议。
[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.

【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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