中国银联与VISA博弈分析

Strategic rivalryanalysis of VISA and China UnionPay

中国银联国际化战略的扩展已经与VISA等国际性银行卡组织产生了竞争,本文通过银行卡业务的描述,进一步利用博弈论进行了分析.研究认为因制度性因素和利益分配不均成为了双方博弈的根本性原因;面对VISA的竞争中国银联不仅需要通过技术规范维护国内金融市场的安全性,还应防止中国境内的其他银行卡集团结盟,避免社会福利的更多流失.

Theexpansion of the international strategy of China UnionPay has competition with international bank card organiza- tions such as VISA. Through the description of the bankcard business, this paper uses game theory to analyses this situation. The research suggests that institutional factors and uneven distribution of interests constitute the root cause of the game between the two sides ; In the face of competition for VISA, China UnionPay not only needs to maintain the security of the domestic financial market by technical specification, but also prevents other bank card groups from allying with each other in China in order to a- void more loss of social welfare.