Development Of China's Banking Card Industry Economics Research

"Economic servicization" is an obvious and important tendency in current world economic development. It is undebatable that service industry is increasing rapidly and taking the dominant position in world economic system. Service industry as a principal indicator displays the level of modernization of the country or area.Bankcard industry as a new financial business which is combined traditional financial service with modern information techniques. The degree of bankcard industry indicates the economic and social development of the region or area. From domestic and international experiences, developing bankcard industry would benefit both the State and the people, which is driving the increase of consumption demand optimizating and upgrading of the industrial structure, promoting economic growth, keeping economic development harmoniously.Chinese bankcard industry is facing primary challenge from overseas bankcard corporation. In addition, current economic crisis makes the real economic depression, it is necessary to promote economic growth promptly. All of these making us should develop our bankcard industry and conduct relevant research urgently and energetically.Compared with other Chinese bankcard research, my thesis is following the question of bankcard industry existing and developing, based on the data of 325 Chinese cities about their bankcard record and economic indicators (such as GDP, tertiary occupation GDP, per capita income, per capita disposable income, rate of urbanization) from statistic yearbook of 2007. Hotelling and Salop micro-modules were set. GIS and SPSS were employed to detect correlation and regression of the principal and fundamental issues of Chinese bankcard industry evolution, in order to summarize experiences and giving suggestion to bankcard industry development.With the review and summarised regional economy and service industry, industry economy theory, accumulate economy theory, regional economy theory, consuming economy theory, net economy theory, two-sided market theory and relevant bankcard theories, on the basis of Chinese practical on bankcard progress, I conducted research try to solve and discuss those bottleneck points which need to be solved immediately. Furthermore, with the experiences from overseas bankcard development, I also made suggestions on how to build a health bankcard industry in Chinese context.1. Networks for general useNetworking for general use is the fundamental neck point. In initial stages of bankcard industry, networking progresses slowly, which block the economic benefit and social benefit in many ways. On the basis of industry economy and network economy, through set Hotelling 3-stage marketing strategy module, assumed that potential enterprise enter market; I conducted research on the compatibility strategy of existing enterprise, and make conclusions:(1)in the market without networking external characters, when new enterprise enter market, there is no difference between existing enterprise on their compatibility, but lean to no enterprise enter market; to entering enterprises, the market would not effect them, but the necessary and sufficient condition of entering market is 0