国际银行卡产业监管动态及趋势研究

The Study on International Dynamic and Trends of Regulation on Bankcard Industry

从世界各国家和地区的政策动态看,虽然其他行业的经济监管有普遍放松的趋势,但对银行卡产业的监管却在加强,而且有继续加强的趋势。本文在总结银行卡产业国际主要监管经验的基础上,探讨了银行卡产业监管加强的原因,同时就产业最新发展对监管政策提出的挑战进行了前瞻性分析,最后就国际经验对我国银行卡产业监管改革的启示进行了分析。

From international perspective, the recent development of regulation and anti-trust policies for bankcard industry show a trend of re-regulation while deregulation takes place in many other sectors. In this paper we study the major in- ternational experiences of economic regulation as well as antitrust in the bankcard industry, analyze the main causes of re-regulation, predict the challenges for regulation authorities, and draw implication for regulatory reform in China＇s bankcard industry.