美联储银行卡收单定价监管机制变化对我国的启示

Lessons from the Changes of Regulatory Mechanism of the US Federal Reserve Bank Card Acquiring Pricing

2016年国家发展改革委员会、中国人民银行联合发布了《关于完善银行卡刷卡手续费定价机制的通知》,我国银行卡收单产业进一步市场化。美国"德宾修正案"出台前后,美联储对银行卡收单定价的监管变化及美国收单机构因应监管环境变化大力发展专业化服务的经验给我们提供了借鉴。通过中美收单市场定价监管的对比,建议银行卡收单手续费的制定应建立在全行业科学、精细的调查基础之上,应定期公开银行卡行业交易成本调查数据,还应引导银行卡行业交易成本进一步下降。

In 2016, National Development and Reform Commission and People＇s Bank of China jointly issued the Notice on Perfecting the Mechanism of Bank Card Fees Pricing, which marked further marketization of bank card acquiring industry in China. The paper introduces the change in regulation of the Federal Reserve towards bank card fees pricing as well as the experience of American acquirers＇ development of professional service because of this change before and after the implementation of ＂the Durbin Amendment＂ in detail. This provides us with lessons to draw on. In addition, the paper puts forward some policy recommendations through the comparison of the regulation in bank card acquiring market pricing in China and American. For instance, the pricing of the bank card fees should be based on careful investigation overall the industry.Besides, the data of the bank card industry transaction cost should be disclosed on a regular basis. Also, we should facilitate further decline in the bank card industry transaction cost.