关于银行卡产业定价政府监管策略研究.pdf

万方数据 万方数据 关于银行卡产业定价的政府监管策略研究 摘 要 从世界第一家信用卡公司产生至今，银行卡产业已有 50 年的历 史，经过 50 多年的发展，围绕信用卡业务已经催生出一个规模庞大 的产业，成为现代金融业发展不可缺少的内涵。然而，随着这个产业 的蓬勃发展，其中的收费定价问题也被社会广为诟病，其中的 “银商 矛盾”、 “银消矛盾”和 “银银矛盾”引发的纷争不绝于耳。 如何对银行卡产业进行更为有效的监管，是本文研究的目的。通 过研究银行卡产业定价理论，总结银行卡产业国际监管经验，分析我 国银行卡监管现状及问题，对于银行卡产业监管中的重要问题——定 价问题，深入探究我国目前存在的不足，并提出定价的监管建议。全 文共分为六章：第一张为绪论，介绍了研究背景、目的和意义、国内 外研究现状等；第二章描述了银行卡的概念和典型业务；第三章介绍 银行卡监管理论及国际经验；第四章介绍了中国银行卡产业监管现状 及问题；第五章中国银行卡产业定价分析及监管建议；第六章总结结 论 关键词：银行卡产业；定价；监管；研究 万方数据 RESEARCH ON GOVERNMENT SUPERVISORY POLICY OF BANK CARD PRICING ABSTRACT From the very beginning of the first credit card company’s establishment till now, banking card business has experienced 50 years. A large scale industry that forces on credit card has been forced and become an inevitable part of modern finance. As long as the development of bank card industry, more and more people focus on the pricing strategy. Some disputes have derived among bank, merchant and customers. The thesis focuses on implementing more efficient supervisory policy and balancing the interests of different parts in order to realize the maxim of social benefits. The thesis makes some study on bank card pricing theory, summarizes the advanced international supervisory experiences, analyzes China’s current situation and suggests on pricing strategy. The thesis is composed of seven parts: part one is the introduction of the background, object and significance of the thesis, part two is the descrip