【作者】 严永健；

【导师】 郭铁民；

【作者基本信息】 福建师范大学 ， 产业经济学， 2008， 硕士

【摘要】 银行卡作为一种新型综合性金融支付工具,是传统金融业务与现代信息技术相结合的产物,也是马克思所揭示货币发展规律的必然结果。银行卡产业已成为现代经济最具发展潜力的产业之一,以美国为代表的发达国家银行卡产业已步入成熟阶段,形成了庞大的产业体系。而中国银行卡产业尚处于导入期向成长期迈进的阶段,整个产业规模及整体竞争实力还比较弱小,离成熟产业化经营还存在较大差距。中国的金融市场完全对外开放后,银行卡产业面临着国外同业更加严峻的挑战。因此,适时总结国内外银行卡产业发展的实践经验,深入剖析自身与国外成熟银行卡产业的差距,借鉴它们产业发展经验和研究成果,对于加快我国银行卡产业的发展具有重要意义。本文着眼于银行卡产业整体情况的研究,首先,通过对银行卡产业相关文献的研究,分析了银行卡产业的运作机制和市场特征,阐述产业价值链上各参与主体及其“竞合”关系。其次,通过对具有典型代表意义的美国银行卡产业发展历程及其现状进行分析,为中国银行卡产业发展提供了参考。再次,对我国银行卡产业发展历程及现状进行梳理,通过对中、美、韩三国银行卡产业发展指标的对比分析,提出金融开放下的中国银行卡产业发展存在内部机制和外部金融生态环境的双重制约,并运用计量经济学中的普通最小二乘法,就银行卡受理环境对银行卡业务量的影响进行回归分析。最后,在前文分析的基础上,笔者认为当前我国银行卡的受理市场建设问题已成为产业进一步升级的“瓶颈”,需要政府、行业、市场等多方协作共同推进方能取得好的效果,同时针对产业发展中存在的内外部制约因素提出相应的对策建议,以期加快中国银行卡产业的发展步伐。更多还原

【Abstract】 The bankcard, a new-type comprehensive financial payment means, is a production attributed to the combination of traditional financial business and modern information technology, and is also the inevitable outcome of Currency Development Rule revealed by Karl Marx. The bankcard industry is one of the industries which has the most development potentialities in modern economic. The bankcard industry of developed countries represented by USA, has gone into mature phase and formed an enormous industry system. However, Chinese bankcard industry is still in a phase between Introduced period and Pullulated period, and the whole industry scale and competitive power are very weak. There are wide gaps compared with the mature industrialization management. As a result, our bankcard industry is facing a more serious challenge from its competitors abroad. Therefore, there are significant senses to expedite the development of Chinese bankcard industry through timely summing up the practiced experiences of domestic and overseas bankcard industries’ development, deeply analysis of the differences between ours and overseas’ mature bankcard industries, and drawing on their experiences and research results.This paper views from the angle of the whole circumstances of the bankcard industry. Firstly, the paper analyzes bankcard industry’s operation mechanism and market characters and expatiates participators in industry value-chain and their "Competition and Cooperation" Relationship . Secondly, paper analyzes the course of development and actuality of American bankcard industry, which provides a reference for the development of China. Thirdly, this paper organizes course of development and actuality of Chinese bankcard industry, and also contracts and analyses the development indexes of such industry of P.R.China, the USA and R.O.Korea. it puts a view that both internal mechanism and external financial eco-environment restrict the development of Chinese bankcard industry; Basing on the ordinary Least Squares,paper analyzes the influences made by bankcard working environment to bankcard business. Finally, this paper provides the problem of working environment has been a "bottle-neck" to industry upgrading toward a step further, which needs Government, Industry, Market and others to advance together in order to make a good effect. Paper provides corresponding tactics aiming at the restrict factors with the hope to expedite the development of Chinese bankcard industry.更多还原