欧盟银行卡产业变革及启示

Revolution of European Bankcard Industry and the Enlightenment

近年来,欧盟"单一欧元支付区"建设带来了银行卡产业的深刻变革。本文试图通过分析欧盟银行卡产业政策和市场结构的变化,为我国银行卡产业发展以及中欧银行卡产业合作探寻一些经验。研究发现,欧盟已经形成了以市场准入、规则监管和风险监控为主的三位一体的监管模式,泛欧自主银行卡品牌建设也取得了突破性进展,其中的理论与实践对我国银行卡产业发展具有重要的借鉴价值。

The development of the Single Euro Payments Area has brought great changes to Europearr bankcard industry, in recent year. The evaluation of the policies and the market structure of European bankcard industry can provide experiences for the development of Chinese bankcard industry and China-EU cooperation. The research results indicate that the regulation of European bankcard industry is focused on the market access, operating rules and risk management; Independent bankcard brands in Pan-European area have made a breakthrough in development. And the theories and practices are of great significance for China＇s bankcard industry.