我国中小商户银行卡收单市场存在的主要问题与策略研究

MajorProblems and Strategies Study of Chinese Medium and Small Merchants Bankcard Acquiring Market

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,介绍了美国发展中小商户受理银行卡的经验,分析现有中小商户收单模式的利弊,对调整银行卡分润模式向收单机构倾斜以提高收单机构发展中小商户积极性作了可行性研究,并对刷卡手续费分润比例系数调整进行了完整测算研究,最后提出了推动中小商户受理银行卡的策略建议。建议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,完善中小商户商户信用体系以为中小商户提供基于收单的信贷增值服务。

This paper introduces current situations and major problems of medium and small merchants accepting bankcard, introduces the experi- ence of developing medium and small merchants acquiring in United States, analyzes the advantages and disadvantages of current medium and small merchants acquiring business model, measures the acquiring business cost of small and medium-sized merchant, measures the adjusting the mer- chant fees sharing model of debit card in order to tilt to acquirers. Final, the paper proposes some measures and strategy suggestions to promote the development of medium and small merchants accepting bankcard.