【作者】 程贵孙； 孙武军； 陈宏民；

【Author】 Cheng Gui-sun Sun Wu-jun Chen Hong-min (Antai School of Management, Shanghai Jiaotong University, Shanghai 200052, China)

【机构】 上海交通大学安泰管理学院；

【摘要】 银行卡产业近来受到来自理论界和政府部门的广泛关注。本文对银行卡产业的运作机制进行分析,研究表明银行卡产业是个典型的双边市场,交换费和价格结构是银行卡产业市场正常运转的关键因素。文章并对由银行卡产业的“特殊性”而带来的产业规制问题进行了评析,由此得出一些结论和对我国银行卡产业发展的有益启示。更多还原

【Abstract】 There has been a recent surge of attention to BankCard industry from the academic circles and the governmental section. Based on the theory of two-sided markets, the paper studies the operating mechanism of the BankCard industry. The results show the BankCard systems are typical two-sided markets, interchange fees and price structure are the determinations of the regular operation of BankCard industry. Also, the paper makes comments on the antitrust issues of BankCard industry deeply raised by its peculiarity and draws some conclusions and some useful enlightenment for the development of our BankCard industry.更多还原