中国银行卡产业的网络外部性实证分析

发布时间：2018-01-02 10:43

本文关键词：中国银行卡产业的网络外部性实证分析　出处：《上海社会科学院》2017年硕士论文　论文类型：学位论文

【摘要】：银行卡产业,是发卡市场和受理市场共同构成的双边市场。它具有有别于单边市场的典型的双边市场特征。和很多产业类似,我国的银行卡产业发展短暂和高速并存。其自身的特点和问题,是非常值得探讨的。这个产业,又与人们日常生活息息相关。因此,对这个领域的研究,也具有极强的现实意义。本文以银行卡产业的双边市场形态为切入点,归纳了银行卡产业的历史、市场构成、分类、特点,注意到开放式卡组织的竞合组织特征。在文献综述中,比较系统的总结了双边市场及银行卡产业相关理论的主要研究成果。结合产业特点和已有研究的现状及不足,本文提出了对于我国银行卡产业的特点进行研究及实证检验的必要性,指出网络外部性是银行卡产业双边市场的最主要特性。在银行卡双边市场特性的检验中,本文使用了我国银行卡产业较新的时间序列数据,并运用合适的计量检验方法。通过检验和详细分析,得出了重要结论:我国银行卡市场具有较显著的网络外部性,并且总体强度在增强;网络外部性呈现双边交叉但不对称的特点;发卡市场的网络外部性更高,相比之下,发卡量成为我国银行卡产业网络外部性研究的核心变量。结合双边市场特性的检验结果分析,以及我国银行卡产业的情况,本文抓住如何更好发挥网络外部性特征的主旨,兼顾规范市场及金融安全的考虑,提出了关于我国银行卡产业发展的一些建议,以及政府规制和监管方面的建议。
[Abstract]:The bank card industry, is issuing market and acquiring market constitute the two-sided market. It has the typical characteristics of two-sided market different from unilateral market. Like many industries, China's bank card industry development is short and high-speed coexist. The characteristics and problems of its own, is very worth studying. This industry. It is closely related with people's daily life. Therefore, the research on this field, but also has very strong practical significance. Based on the bilateral market form of bank card industry as the starting point, summed up the history of bankcard industry, market structure, classification, characteristics, attention to cooperation organization characteristics of the open card in organization. In the literature review, summarizing the main research results of the bilateral market and bank card industry related theory. Combined with the present situation of the industry characteristics and the existing research and the insufficiency, proposed to our country bank card industry The necessity to study the character and empirical test, points out that the network externality is the main characteristics of bank card industry. In the bilateral market test bank card for bilateral market characteristics, this paper uses the bank card industry in China is a new time series data, measures and the use of appropriate testing method. Through the inspection and detailed analysis draw an important conclusion: network externality of China's bank card market is very significant, and the overall strength in the enhancement; network externality is bilateral cross but asymmetric characteristics; network externality of issuing market higher, by contrast, card volume become the core variable to study the external network industry of China's Bank card. With the test results of the bilateral market characteristics, as well as the bank card industry in China, this paper aims to seize the how to better play the characteristic of network externality, both the market and financial security In this regard, some suggestions on the development of China's bank card industry and government regulation and regulation are put forward.

【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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