我国银行卡产业市场结构与绩效的实证研究  

Empirical Study on Market Structure and Performance of Bankcard Industry in China

作　　者：王雪萍[1] 张成虎[1] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061

出　　处：《山西财经大学学报》2007年第11期104-108,共5页Journal of Shanxi University of Finance and Economics

基　　金：国家自然科学基金资助项目(70273034)

摘　　要：文章以市场集中率和赫希曼-赫芬达尔指数为衡量指标,研究了我国银行卡产业的市场结构类型及其发展趋势,实证分析了我国银行卡产业市场结构和绩效之间的关系。结果表明,我国银行卡产业的市场结构在2003年之前属于寡头垄断型,现正向垄断竞争型过渡;银行卡企业的市场份额对其绩效具有正向的影响,而银行卡产业市场集中度对银行卡企业的绩效具有负的影响;中小银行卡企业的银行卡交易额年度增长量明显大于大银行卡企业。文章同时对我国银行卡产业的发展提出了具体的政策建议。In this paper, market concentration ratio （CR） and Hirsehman- Herfindahl index （HHI） are regarded as the measuring indicators, and market structure type and development trend are studied. The panel data is analyzed to investigate empirically the relationship of market structure and performance of bankcard industry. The study results show that the market structure of China＇ s bankcard industry was oligopoly before 2003, and is transiting into monopolistic competition.. Market share of bankcard enterprises has a positive influence on its performance, while market concentration ratio of bankeard industry has a negative impact on performance of bankcard enterprises. The transaction increment of medium - small scale bankcard enterprises is bigger than that of large bankcards enterprises. Finally, some specific pohcy recommendations on development of bankcard industry are proposed.

关 键 词：银行卡产业 市场结构 市场绩效 

分 类 号：F832.2[经济管理—金融学]