我国银行卡业务年费收取的价格行为研究

Research on the price behaviors of China's bank card annual service fee charging

对我国银行卡市场进行概述,定义银行卡,列出银行卡的分类及功能,并阐述我国银行卡市场的发展状况。对银行卡收取年费进行分析,构建全信息动态博弈-"纳什均衡"模型。针对我国银行卡业务的发展提出两点建议:第一,根据商户交易规模的大小,在交易区间实施二级差别定价;第二,根据顾客对银行贡献度的大小,采取差异化的收费标准。

The bank card market in our country is summarized, bank card is defined, sorts and functions of bank card are enumerated, and the state of development of China＇ s bank card market is stat- ed. Then the charge of bank card business annual service fee is analyzed, a full information dynamic game-＂ Nash Equilibrium＂ Model is constructed. Finally, two suggestions according to China＇ s bank card business are put forward： firstly, depending on the size scale of merchant transactions, differential pricing in the secondary trading range is implemented; secondly, according to the customer＇ s contribu- tion to the size of banks, the difference of the charges is taken.