银行卡产业运作机制及其产业规制问题研究——基于双边市场理论视角被引量：61

A Study on Operating Mechanism and Regulation of BankCard Industry

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摘要银行卡产业近来受到来自理论界和政府部门的广泛关注。本文基于双边市场理论对银行卡产业的运作机制进行分析。研究表明:银行卡产业是个典型的双边市场,交换费和价格结构是银行卡产业市场正常运转的关键因素。文章对由银行卡产业的“特殊性”而带来的产业规制问题进行了评析,由此得出一些结论和对我国银行卡产业发展有益的启示。 There has been a recent surge of attention to BankCard industry from the academic circles and the governmental section. Based on the theory of two-sided markets, this paper studies the operating mechanism of the BankCard industry. The results show that BankCard systems are typical two-sided markets, interchange fees and price structure are the determinants of the regular operation of BankCard industry. This paper also comments on the antitrust issues of BankCard industry raised by its peculiarity and draws some conclusions and some useful implication for the development of our BankCard industry.

作者程贵孙孙武军

机构地区上海交通大学安泰管理学院

出处《国际金融研究》 CSSCI 北大核心 2006年第1期39-46,共8页 Studies of International Finance

基金中国博士后基金资助项目:"具有网络外部性特征产业的企业产品差异化战略研究"(2004036100)

关键词银行卡双边市场网络外部性交换费价格结构 BankCard： two-sided Markets Network Externality Interchange Fee Price Structure.

分类号 F831 [经济管理—金融学]

作者简介程贵孙，男，上海交通大学安泰管理学院博士研究生；孙武军，男，上海交通大学安泰管理学院博士后。

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