银行卡产业监管的国际比较与启示

The International Comparison of Bankcard Industry and Implications

本文试图通过探索国际银行卡产业监管的共性规律和个性安排,为我国银行卡产业监管提供参考建议。研究发现,国际银行卡产业监管框架及监管要素具有很大的相似性,监管政策的演变趋势均体现为对市场准入等管制的放松和对风险监管的加强。这启示我们,要站在全球视角,按照前瞻性、系统性、国情性原则,出台监管政策,建立监管目标、主体、对象、内容均明确的银行卡产业监管体系。

The paper tries to provide references for China＇s bankcard Industry regulation by exploring the international common rules and special arrangements. The research results indicate that the international bankcard regulation framework and elements are similar, and the policies evaluation tendency of the different countries and regions all shows to release the market access and enhance the risks supervision, which remind us to construct China＇s regulation system with clear purposes, responsible entities, objects and contents according to the forward-looking, systematic and country-related rules at the standpoint of globalization.