中国银行卡产业发展管理研究
发布时间：2018-12-14 07:13
【摘要】：近年来,在党中央、国务院的正确领导下,人民银行、银监会等主管部门牵头推动发卡银行、收单银行、中国银联等中国银行卡产业链各方,为持卡人和商户提供银行卡支付服务,使我国银行卡产业在短短十余年的时间里取得了持续、健康的发展：市场规模持续扩大,联网通用的广度和深度不断拓展,产业链不断完善,中国银行卡自主品牌认知度不断提升,市场创新不断丰富。政府推动与市场机制相结合、双边市场与银行卡组织的协同工作机制初步形成,政策环境不断放宽、监管力度不断加强,银行卡产业发展在拉动内需、促进经济增长的作用日益显著。随着国际世贸组织在银行卡业务清算方面对我国的要求,以及国际卡组织在国内市场和国际市场竞争的加剧,第三方支付的飞速发展,给银行卡产业带来的冲击、中国清算市场的放开等新的形势,中国银行卡产业面临转型升级的迫切要求。面对新的经济形势,面对“内忧外患”,面对多重挑战与机遇,国家将为产业发展提供怎样的政策的环境成为业内关注的焦点。笔者结合在中国银行卡组织的工作实际,通过分析国际、国内银行卡产业发展的异同,阐述了我国银行卡产业环境不断变化、市场规模平稳增长、基础设施不断完备、商业模式不断更新、金融新政策不断细化、新支付技术层出不穷、银行卡自主品牌国际化持续推进、国际影响力显著提升的产业发展现状,分析了我国银行卡产业面临产业重塑、政策支持不完备、法律法规不完善、定价策略明显滞后、中国银行卡组织面临转型难、银行卡产业创新能力不足,等六个方面的新问题和产生的原因。笔者通过了解和分析国际银行卡产业先进做法和经验,结合我国实际情况,提出了国家应从加强宏观调控和产业监管力度、出台明确的产业支持政策、实施银行卡产业专项立法工作、进一步明确中国卡组织职能、加强清算市场监管、鼓励第三方支付机构技术创新、实施完全市场化的定价模式等七个方面给予政策支持的建议,旨在推动我国银行卡产业合理、有序、稳健、持续发展,更具国际竞争力。
[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.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2378166
[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.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
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相关期刊论文 前4条
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