银行卡清算机构纵向限制监管的国际比较与借鉴

发布时间：2018-01-06 17:24

本文关键词：银行卡清算机构纵向限制监管的国际比较与借鉴　出处：《亚太经济》2017年05期 　论文类型：期刊论文

【摘要】：中国已确立银行卡清算市场开放政策,相应地,在市场开放条件下如何对银行卡清算机构实施反垄断与规制监管也就成为一个新的现实课题,而对纵向限制的监管是其重要组成部分。长期维持银行卡清算市场开放的美国、澳大利亚和欧盟对银行卡清算机构的纵向限制普遍实施了监管。对上述典型国家和地区的相关监管历史与最新进展进行回顾和比较,为中国银行卡清算机构纵向限制监管的改进提供一些借鉴,包括:逐渐建立融合规制机构事前监管和反垄断法基础上的事后监管的混合监管模式;对在位者和进入者应用排他性规则进行区分和谨慎监管等。
[Abstract]:China has established the policy of opening the bank card clearing market. Accordingly, how to carry out anti-monopoly and regulation supervision on the bank card clearing institution under the condition of market opening has become a new realistic subject. The regulation of vertical restrictions is an important part of it. The United States has maintained the opening of the clearing market of bank cards for a long time. Australia and the European Union generally regulate the vertical restrictions on bank card clearing institutions. This paper reviews and compares the relevant regulatory history and recent progress of these typical countries and regions. It provides some references for the improvement of vertical restriction supervision of bank card clearing institutions in China, including: gradually establishing a mixed supervision model that integrates the ex ante supervision of regulatory agencies with the ex post supervision on the basis of anti-monopoly law; Distinguish between incumbent and entrant by exclusive rules and carefully supervise and so on.
【作者单位】：华东交通大学经济管理学院;
【基金】：国家社会科学基金资助项目“银行卡组织竞争与反垄断政策研究”(12CJY001)的阶段性成果国家留学基金资助
【分类号】：F832.2
【正文快照】： 银行卡清算机构较多使用的纵向限制规则主要包括三个方面:一是排他性规则(exclusionary rule),主要表现为银行卡清算机构阻碍其他市场参与者进入特定市场;二是禁止引导规则(anti-steering rule)和禁止额外收费规则(no surcharge rule),前者指禁止商户通过折扣、奖励等方式,引

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