基于我国银行卡市场的社会福利研究

The Social Welfare Research based on China's Bankcard Market

本文对比了完全垄断和完全竞争的收单银行市场结构下银行卡产业的定价、交易量。研究显示:收单银行在完全垄断的市场结构下,交换费的定价会比完全竞争市场结构下低,且交易量会增加。这个研究结果为我国银行卡产业的发展改革提供了一个思路。

The article compares perfect monopoly with perfect competition in the acquiring market in terms of pricing and trading volume of the bankcard industry. The study indicates that under the complete monopoly market structure, the acquiring bank will charge more interchange fee than it does under the perfectly competitive market and its trading volume will be larger than that of the latter. The result is inspiring to the reform and development of China's bankcard industry.