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《银行卡产业定价机制研究（research on pricing mechanism of bankcard industry）》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。
1、银行卡产业定价机制研究（Researchonpricingmechanismofbankcardindustry）Researchonpricingmechanismofbankcardindustry[Abstract]thispaperanalyzestheoperationmechanismfromthemicroperspectiveofbankcardindustry,andthenthroughtheanalysisofthebasicattributeofthebankcardindustry,separately
2、fromtheperfectlycompetitivemarketandimperfectcompetitionmarket,maketheresearchonthepricingmechanismofbankcardindustry.Finally,bydrawingontheexperienceoftheinternationalmarket,weproposesomesuggestionsfortheimprovementofthepricingofourcountry'sbankcardindustry.[Keyword
3、s]bankcardindustry;pricingmechanism;exchangefeeSincethefirstbankcardwasissuedin1985,bankcardshavebeendevelopingformorethan20years.Althoughthetimeisnotlong,butitdevelopsrapidly,especiallytheestablishmentofChinaUnionPayin2002,ithasgreatlyacceleratedthedevelopmentofChin
4、a'sbankcardindustry.Bytheendof2010,thetotalnumberofbankcardsissuedhasreached2billion420million,andthegrowthrateofbankcardconsumptionhasbeensignificantlyhigherthanthetotalgrowthrateofretailsalesofsocialconsumergoods.Thebankcardindustryisatypicalindustrycharacterizedby
5、"bilateralmarket".Thebankcardorganizationbuildsthenetworkplatformandconnectsthecardissuingmarketandtheacquiringmarket,andthecardissuingmarketandtheacquiringmarketinteractandrestricteachother.Thiswillbethefirstfromthemicroperspectiveanalyzestheoperatingmechanismoftheb
6、ankcardindustry,thenanalyzethebasicpropertiesofbankcardindustry,andthenmakethecorrespondingresearchonthepricingmechanismofbankcardindustry,finallybydrawingontheexperiencesoftheinternationalmarket,putsforwardsuggestionsonChina'sbankcardindustrypricingimprovement.First
7、,theoperationmechanismofthebankcardindustryThebankcardindustryisatypicalindustrycharacterizedby"bilateralmarket".Itscoreproductisthebankcardorganizationandtheservicesprovidedbyrelevantinstitutionsforconsumersandmerchants.Thiskindofservicetakesplaceontheplatformprovid
8、edbythebankcardorganization,andneedsthejointparticipationoftheissuingbankandtheacquiringbank.Therefore,themarketparticipantsinvolve
