| 我国银行卡市场双边性检验及其政策启示 |
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| 引用本文： | 骆品亮,韩冲,余林徽.我国银行卡市场双边性检验及其政策启示[J].产业经济研究,2010(2):64-72. |
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| 作者姓名： | 骆品亮 韩冲 余林徽 |
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| 作者单位： | 1. 复旦大学管理学院,上海,200433
2. 香港大学商学院,中国香港 |
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| 基金项目： | 教育部新世纪优秀人才支持计划(项目编号:NCET-06-0361);;上海市曙光学者项目(项目编号:07SG10)资助 |
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| 摘 要： | 本文通过对交叉网络外部性的测度来检验我国银行卡产业的双边市场特征，并结合对消费者持卡支付影响因素的识别，提出我国银行卡产业发展的相关政策建议。对1995～2005年发卡量与POS机数量时间序列的格兰杰检验表明，我国银行卡产业存在单向交叉网络外部性，接受卡支付的商户数变化会引起持卡用户数的变化；而基于15家商业银行的面板数据模型分析显示，持卡消费端相对于商户端的交叉网络外部性系数为0．876；进一步的数据模型分析发现，消费者持卡支付还与经济发展水平、金融市场发展程度、城镇居民消费水平等因素有关。
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| 关 键 词： | 银行卡市场 交叉网络外部性 双边市场 |
Two-Sidedness Test of China's Payment Card Market and Its Policy Implications |
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| Luo Pinliang,Han Chong,Yu Linhui.Two-Sidedness Test of China's Payment Card Market and Its Policy Implications[J].Industrial Economics Research,2010(2):64-72. |
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| Authors: | Luo Pinliang Han Chong Yu Linhui |
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| Institution: | 1.Management School of Fudan University;Shanghai;200433;China;2.School of Business;The University of Hong Kong;Hong Kong;China |
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| Abstract: | In this paper,we study the two-sidedness of China's payment card industry through empirically testing its cross-network externalities,then identify the determinants of payment cards usage,and lastly come up with some policy suggestions for the further development of China's payment card industry.By conducting Granger Causality test,it is found that there exists one-way cross-network externality in China's payment card industry,which means it is merchant side change that determines cardholder side change and... |
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| Keywords: | payment card market cross-network externalities two-sided market |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
