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China Payment Card Industry Price Formulation Mechanism and Pricing Strategy Analysis

Author: LiYaJing
Tutor: ZhangXueTao
School: Hunan University
Course: Finance
Keywords: Bank card Price formation mechanism Pricing strategy
CLC: F224
Type: Master's thesis
Year: 2007
Downloads: 532
Quote: 6
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Abstract


Unlike the general merchandise market, bank cards require card issuers market and acquiring market mutual role in order to use many involved in the main market, showing a complex bilateral market network system, and thus the operation mechanism and price structure of the bank card industry special and complex . Compared to the international development of the card industry markets and networks scale of China's bank card industry has developed rapidly, but is still in its infancy, facing enormous competitive pressures of the international banks and card associations. Therefore, by analyzing the features and price structure of the industrial operation to identify the key issues to design a rational pricing mechanism to explore perfect pricing strategy development as soon as possible to resolve the size of the network bottleneck for China's banking card industry, international challenges, no doubt, has a very important practical significance . By understanding the economic characteristics of the bank card industry, in-depth analysis of the price formation mechanism, the use the Rochet of Tirole multi-stage model of factors that affect the pricing of bank card, found that as industry core prices, the level of interchange fees for merchant acceptance have a huge impact on the size of the market; the main behavior such as card fee structure, the issuing bank competition, businesses heterogeneity, consumer information, consumption habits and other factors affect the the industry transaction price formation and merchant card payment accepted will affect the development of the overall market size . Reasonable level of interchange fees and other reasonable price level associated with it is the premise of the expansion of the bank card market. The article also by comparison with the international market, to explore China's bank card acceptance market problems and defects of the industry pricing mechanism, found that the the accepted market size is too small current bank card market in China, the biggest bottleneck; our existing card transaction pricing mechanism has can not meet the development of the industry, there are many defects, which in turn become obstacles to admissibility, the fundamental factor in the further development of the market. Finally, combined with the conclusion of model analysis, articles for the foregoing summary of the problem, starting from the Different Stakeholders of the China's banking card industry pricing Improvement Strategy. Especially for the interchange fee pricing mechanism reform recommendations that changing the existing interchange fee simple pricing model, to take differential pricing strategy is the best strategy to improve the structure of China's bank card transaction price. Asked the issuing bank at the same time more flexible card fees structural policies, is another important measure to promote the development of the market. Taking into account the pricing mechanism reform can not be accomplished overnight, and requires all parties to cooperate on the development strategy of the whole industry environment recommendations.

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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