【摘要】：近年來,在黨中央、國務(wù)院的正確領(lǐng)導(dǎo)下,人民銀行、銀監(jiān)會等主管部門牽頭推動發(fā)卡銀行、收單銀行、中國銀聯(lián)等中國銀行卡產(chǎn)業(yè)鏈各方,為持卡人和商戶提供銀行卡支付服務(wù),使我國銀行卡產(chǎn)業(yè)在短短十余年的時間里取得了持續(xù)、健康的發(fā)展：市場規(guī)模持續(xù)擴大,聯(lián)網(wǎng)通用的廣度和深度不斷拓展,產(chǎn)業(yè)鏈不斷完善,中國銀行卡自主品牌認(rèn)知度不斷提升,市場創(chuàng)新不斷豐富。政府推動與市場機制相結(jié)合、雙邊市場與銀行卡組織的協(xié)同工作機制初步形成,政策環(huán)境不斷放寬、監(jiān)管力度不斷加強,銀行卡產(chǎn)業(yè)發(fā)展在拉動內(nèi)需、促進經(jīng)濟增長的作用日益顯著。隨著國際世貿(mào)組織在銀行卡業(yè)務(wù)清算方面對我國的要求,以及國際卡組織在國內(nèi)市場和國際市場競爭的加劇,第三方支付的飛速發(fā)展,給銀行卡產(chǎn)業(yè)帶來的沖擊、中國清算市場的放開等新的形勢,中國銀行卡產(chǎn)業(yè)面臨轉(zhuǎn)型升級的迫切要求。面對新的經(jīng)濟形勢,面對“內(nèi)憂外患”,面對多重挑戰(zhàn)與機遇,國家將為產(chǎn)業(yè)發(fā)展提供怎樣的政策的環(huán)境成為業(yè)內(nèi)關(guān)注的焦點。筆者結(jié)合在中國銀行卡組織的工作實際,通過分析國際、國內(nèi)銀行卡產(chǎn)業(yè)發(fā)展的異同,闡述了我國銀行卡產(chǎn)業(yè)環(huán)境不斷變化、市場規(guī)模平穩(wěn)增長、基礎(chǔ)設(shè)施不斷完備、商業(yè)模式不斷更新、金融新政策不斷細化、新支付技術(shù)層出不窮、銀行卡自主品牌國際化持續(xù)推進、國際影響力顯著提升的產(chǎn)業(yè)發(fā)展現(xiàn)狀,分析了我國銀行卡產(chǎn)業(yè)面臨產(chǎn)業(yè)重塑、政策支持不完備、法律法規(guī)不完善、定價策略明顯滯后、中國銀行卡組織面臨轉(zhuǎn)型難、銀行卡產(chǎn)業(yè)創(chuàng)新能力不足,等六個方面的新問題和產(chǎn)生的原因。筆者通過了解和分析國際銀行卡產(chǎn)業(yè)先進做法和經(jīng)驗,結(jié)合我國實際情況,提出了國家應(yīng)從加強宏觀調(diào)控和產(chǎn)業(yè)監(jiān)管力度、出臺明確的產(chǎn)業(yè)支持政策、實施銀行卡產(chǎn)業(yè)專項立法工作、進一步明確中國卡組織職能、加強清算市場監(jiān)管、鼓勵第三方支付機構(gòu)技術(shù)創(chuàng)新、實施完全市場化的定價模式等七個方面給予政策支持的建議,旨在推動我國銀行卡產(chǎn)業(yè)合理、有序、穩(wěn)健、持續(xù)發(fā)展,更具國際競爭力。
[Abstract]:In recent years, under the correct leadership of the Party Central Committee and the State Council, the people's Bank of China, the Banking Regulatory Commission, and other competent departments have taken the lead in promoting all parties in the China banking card industry chain, such as card issuing banks, receiving banks, and China UnionPay. By providing bank card payment services to cardholders and merchants, the banking card industry in China has achieved sustained and healthy development in a short period of more than 10 years: the market scale continues to expand, and the breadth and depth of networking are constantly expanded. Industry chain continues to improve, China's banking card brand awareness continues to improve, market innovation is constantly rich. The government promotes the integration with the market mechanism, the cooperative working mechanism between the bilateral market and the bank card organization is initially formed, the policy environment is constantly relaxed, the supervision is constantly strengthened, and the development of the bank card industry is driving domestic demand. The role of promoting economic growth is becoming increasingly prominent. With the requirements of the WTO for the clearing of bank card business in China, as well as the intensification of competition between the international credit card organizations in the domestic and international markets, and the rapid development of third-party payment, the impact on the banking card industry has been brought. China's banking card industry is facing the urgent need of transformation and upgrading due to the opening of China's clearing market and other new situations. In the face of new economic situation, "internal and external troubles", and many challenges and opportunities, what kind of policy environment the country will provide for industrial development has become the focus of attention in the industry. By analyzing the similarities and differences between international and domestic bank card industry development, the author expounds the changing environment, steady growth of market scale, and continuous completion of infrastructure in the banking card industry in China. Business models are constantly updated, new financial policies are constantly refined, new payment technologies emerge in endlessly, bank card independent brands continue to be internationalized, and international influence is significantly enhanced. The paper analyzes that the banking card industry in China is facing the industry remodeling, the policy support is not complete, the laws and regulations are not perfect, the pricing strategy is obviously lagging behind, the banking card organization in China is facing the difficulty of transformation, and the innovation ability of the bank card industry is insufficient. And so on six aspects of new problems and causes. By understanding and analyzing the advanced practices and experiences of the international banking card industry and combining the actual situation of our country, the author puts forward that the state should strengthen the macro-control and industrial supervision, and issue a clear industrial support policy. To implement the special legislation for the banking card industry, to further clarify the functions of China's card organization, to strengthen the supervision of the clearing market, to encourage the technical innovation of third-party payment institutions, and to implement seven policy support proposals, such as a completely market-oriented pricing model, etc. The aim is to promote the rational, orderly, steady and sustainable development of China's banking card industry.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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