非银行支付机构网络支付相关市场界定分析

Analysis on the Related Market Definition of Network Payment of Non-bank Payment Institutions

随着电子商务的发展,非银行支付机构网络支付的使用越来越广泛。虽有部分规定规范了非银行支付机构的网络支付市场,但是非银行支付机构网络支付市场中已经形成了一定的垄断格局,有对其进行反垄断分析的必要,而相关市场的界定便是首先需要明确的问题。为此,我们采用需求替代性的方法,分析影响非银行支付机构网络支付相关市场界定的因素,以引导消费者进一步了解网络支付相关市场的具体规定。

With the development of e-commerce,network payment of non-bank payment agencies has been more and more widely used.There are some provisions for the non-bank payment institutions to regulate the network payment market,but the network payment market of the non-bank payment agencies has formed a certain monopoly pattern.It is necessary to make an anti-monopoly analysis on it,and the related market definition is the first question to be made clear.This paper uses the method of demand substitution to analyze the factors that affect the related market definition of the network payment of non-bank payment institutions so as to guide the consumers to further understand the specific definition of related market of network payment.