借记卡收费的网络视角分析  

Analysis on charges for debit card from network perspective

作　　者：李磊[1] 

机构地区：[1]东北财经大学研究生部,辽宁大连116025

出　　处：《商业经济》2007年第2期92-94,101,共4页Business & Economy

摘　　要：与国际同业收费标准相比,目前我国借记卡收费属偏低水平。借记卡是一种典型的具有网络效应的产品,其网络价值随着持卡人数和硬件终端分布数量的增多而提高。银行终端系统兼容性的提高在一定程度上降低了持卡人的转换成本,这将对借记卡的市场结构和网络效应的作用形式产生很大影响。银行应提高借记卡服务的差异化,应通过增加投入来进一步完善网络,提高自身的服务水平与效率,通过不断增加客户的效用,进一步发挥网络效应的作用。Compared with international charging standard of the same industry, now the charges for debit card in China is lower than many other countries. Debit card is a typical product with network effects and its network value will escalate in pace with the card hold- ers and the terminal distribution. The increase of compatibility of inter-bank terminals, to some extent, will decrease the card holders＇ transfer cost, which will greatly influence its market structure and functions of network effects. Banks should increase the differentiation of debit card services through further investment in network. Accordingly, its service level and efficiency will increase and its network effects will yield well.

关 键 词：借记卡收费 网络效应 转移成本 防降价均衡 

分 类 号：F830.4[经济管理—金融学]