我国中小商户受理银行卡中存在问题与应对策略

Problems in China's Small and Medium Merchants Acquiring Bank Card and the Countermeasures

本文介绍了中小商户银行卡受理现状、中小商户受理市场发展面临的主要问题,分析现有中小商户收单模式的利弊,提出了推动中小商户受理银行卡的策略建议,包括调整银行卡分润模式向收单机构倾斜以提高收单机构拓展中小商户积极性;尽快出台商户刷卡手续费下调方案,以提高中小商户受理银行卡的积极性;推动开放个人账户作为银行卡POS结算账户,以扩大银行卡支付覆盖面;研发更多低成本银行卡受理终端,以降低收单终端成本;完善中小商户信用体系,为中小商户提供基于收单的信贷增值服务。

The current situation of small and medium merchants acquiring of bank card and the problems with that is introduced; the advantages and disadvantages in the pattern of acquiring is analyzed; and some on how to promote the small and medium merchants to acquire bank card is put forward. First, we should adjust the pattern of profit distribution and distribute more to the acquiring organizations. Second, we should formulate programs to decrease the commission fee to arouse the enthusiasm of small and medium merchants. Third, we should give widespread coverage of payment of bank card by opening more individual accounts as PSO settlement accounts. Fourth, we should develop more low- cost acquiring terminal for bank card to decrease the cost of acquiring. And sixth, we should improve the credit system of small and medium merchants to provide the small and medium merchants with more credit value-added service.