信用卡标准与银行竞争:基于网络经济学角度的分析

被引：5

作者：

黄纯纯

机构：

[1] 中国人民大学经济学院北京

来源：

金融研究 | 2006年 / 05期

关键词：

信用卡; 标准; 银行竞争;

D O I：

暂无

中图分类号：

F832.2 [银行制度与业务]; F224 [经济数学方法];

学科分类号：

1201 ; 020204 ; 0701 ; 070104 ;

摘要：

本文结合我国银行的具体情况,从网络经济学的角度构造了一个两阶段的防降价模型,对比政府推行POS机标准前后不同规模的银行收益的变动情况,并用相关统计数据对主要的模型结论进行检验,从而解释了我国政府推行POS机标准的过程中遇到障碍的原因,并提出监管者在推行信用卡网络标准时需要考虑到网络效应对参与的金融机构的收益分配的影响。

引用

页码：70 / 80

页数：11

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