我国银行卡业务年费收取的价格行为研究  

Research on the price behaviors of China's bank card annual service fee charging

作　　者：卢磊[1] 汤兵勇[1] 

机构地区：[1]东华大学旭日工商管理学院,上海200051

出　　处：《黑龙江大学自然科学学报》2014年第1期21-25,共5页Journal of Natural Science of Heilongjiang University

基　　金：国家科技支撑计划项目(2012BAH19F04)

摘　　要：对我国银行卡市场进行概述,定义银行卡,列出银行卡的分类及功能,并阐述我国银行卡市场的发展状况。对银行卡收取年费进行分析,构建全信息动态博弈-"纳什均衡"模型。针对我国银行卡业务的发展提出两点建议:第一,根据商户交易规模的大小,在交易区间实施二级差别定价;第二,根据顾客对银行贡献度的大小,采取差异化的收费标准。The bank card market in our country is summarized, bank card is defined, sorts and functions of bank card are enumerated, and the state of development of China＇ s bank card market is stat- ed. Then the charge of bank card business annual service fee is analyzed, a full information dynamic game-＂ Nash Equilibrium＂ Model is constructed. Finally, two suggestions according to China＇ s bank card business are put forward： firstly, depending on the size scale of merchant transactions, differential pricing in the secondary trading range is implemented; secondly, according to the customer＇ s contribu- tion to the size of banks, the difference of the charges is taken.

关 键 词：关键词 银行卡 价格行为 银行卡年费 

分 类 号：F832.2[经济管理—金融学]