论银行卡市场的反垄断

随着电子支付系统的日益发展,以银行卡为代表的新兴支付工具开始逐渐成为人们生活中最常使用的支付手段。银行卡市场的蓬勃发展促使Visa、万事达等国际支付巨头的势力不断膨胀。这些组织固定交换费率,设定禁止额外收费以及引导支付等规则,不仅损害了消费者的利益,同时对银行卡市场自由竞争产生了严重阻碍。从银行卡交易的基本模式出发,结合发达国家和地区的执法经验,从反垄断的角度分析交换费以及相关限制的不合理性,并给出交换费的替代方案。

Anti-monopoly on the Payment Card Market

With the development of electronic payment system,the payment card has become the most popular tool in our daily life.The prosperous payment card market strengthens the market power of big card organization,such as visa and MasterCard.These organizations fix the interchange fee and set the rules of no surcharge,which is not only harmful to the interests of customers,but also forms a rigorous obstacle to the competition.The essay begins from the basic model of payment card transaction.According to the enforcement experiences of developed countries,this essay discusses the unreasonable interchange fee and other restrictions from the anti-monopoly angle,and then gives the alternative solution of the interchange fee.