Research On The Price Behaviors Of Bank Card Industry

Bank card is born in the 1950s, the global bankcard industry matures, and for Chinese bankcard industry still has only started, is a mature and has tremendous potential sunrise industry. The issue has become a card pricing in economics and sociology, and other disciplines, the focus of CARDS industry as a burgeoning industry its price behaviors to formulate, the author thinks that is worth studying. However, so far, research most concentrated in a single business expenses bank charges purpose and the fees, and representation of the external conditions described more. Card price behavior of insufficient internal mutual mechanism study, therefore, this paper studies the price behavior card from network externalities and bilateral market proceed to consumers, analyzes the three expenses associated with bank card: a year fee, 2 it is inter-bank withdrawals fee, three by credit card fees. And the Chinese bankcard price behaviors to make economic and the cardholder's continuous development to meet the related Suggestions.This paper mainly content is divided into seven parts:The first part of this paper mainly expounds the introduction, to choose a background and significance of the research, the research ideas and research method.The second part of literature review, the part of the domestic and foreign bank card price behavior representative research results of classified according to different research Angle summary, rough introduces various scholars point of view and the method of study.The third part of an overview of Chinese bankcard market, are presented first, expounds the bank card the definition of the classification and function in China are introduced, then the bank card market, the development situation of Chinese bankcard industry analysis of the market structure is an oligopoly. The fourth part of bank card charge annual fee analysis, established a including Banks and customer's dynamic game model, through the perfect Nash equilibrium analysis, obtains the following two points: first, the collection of the annual fee for bank clean "sleep card"; Second, big bank customers on to charge the annual fee charged the sensitivity of the small, annual fee can make big bank customer benefit maximization, small Banks charge annual fee for the customer the sensitivity of the strong, in order to attract and retain customers, small Banks should not charge annual fee.The fifth part of ATM inter-bank withdrawals collection poundage, first briefly analyzes the process of collecting fees charged ATM in 2002 and 2004, our bank began to collect ATM inter-bank withdrawals fee. Then discusses the effectiveness of the central bank's policy in order to stimulate commercial bank, the bank added approved by collecting inter-bank poundage ATM and. In the end the role of ATM inter-bank withdrawals fee for analysis, that ATM's value lies mainly in its convenience big bank ATM network ambassador to big bank competition advantages outweigh the small Banks, small Banks in future competition at a disadvantage.Part vi analyzes POS charge fees to compare the first, open the card organizations and enclosed card organization differences, then investigated through bilateral market model, in which the bank card organization organization and businesses have monopoly power, also answered a real problem: for a brush card consumption speaking, why not charge card organization to consumers, but all to merchants charge? Without thinking merchants in the benchmark model of competition, this paper proves that the bank levy with bilateral rate organization in bilateral fixed cost of spending and bilateral received convenient degree are positive correlation. The 7th part according to front part 4, 5 and 6, the analysis on how to find a suitable for the development of Chinese bankcard road to meet economic and the cardholder's continuous development gives some Suggestions, such as reducing the sensitivity of the card charge customers for the way, using quality discrimination charge annual fee, etc.