我国银行卡产业垄断势力的界定与政府管制政策研究  

A Study of Definition of China’s Bankcard Industry Monopoly Power and Government Regulatory Policies

作　　者：程贵孙 

机构地区：[1]华东师范大学商学院,上海200062

出　　处：《当代财经》2010年第5期84-90,共7页Contemporary Finance and Economics

基　　金：教育部人文社会科学青年基金项目"基于双边市场理论的平台型产业运行机制与竞争规制研究"(08JC790036)

摘　　要：近年来银行卡产业受到世界各国和地区监管部门的广泛关注,许多国家对银行卡产业加强了监管。文章基于Emch和Thompson(2006)的模型从定价角度证明了我国银行卡产业垄断势力的存在,提出要根据银行卡产业业务环节的性质制定不同的分类管制政策。对于网络互连环节,应该打破垄断引入竞争机制;对于发卡和收单环节,要进一步放松进入管制,建立合理的定价机制;对于政府监管环节,则要明确职责、健全法制、组建管制机构。In recent years there has been a surge of attention paid to the bankcard industry by the supervising authorities of every country and region, and many countries have strengthened regulation on bankcard industry. Based on the model of Emch and Thompson （2006）, this paper proves the existence of the monopoly power of bastard industry in China from the perspective of pricing. Then it proposes that different classified regulatory policies should be formulated in accordance with the nature of the business links of bankcard industry. As for the intemet interconnecting links, the competitive mechanism should be introduced to break monopoly; as for the links of card issuing and document collecting, the access control should be further eased and a rational pricing mechanism should be established; as for the link of government regulation, it is required to clearly define responsibilities, perfect the legal system, and set up regulatory agencies.

关 键 词：银行卡产业 垄断势力 分类管制 

分 类 号：F830.49[经济管理—金融学]