我国银行卡产业研究

上海交通大学硕士学位论文我国银行卡产业研究姓名：李学军申请学位级别：硕士专业：工商管理指导教师：吴文锋20080113MBA4MBA5THERESEARCHOFOURNATIONALBANKCARDINDUSTRYABSTRACTOurnationalbankcardindustryhasdevelopedrapidly,butstillhasagapifcomparedwithdevelopedcountriessuchasAmerica.Wecanstudyforeignmatureexperiencetoimprovethebankcardindustrysdeveloping.Thisthesisfocusesontheresearchofournationalbankcardindustry,analysesthedifferencecomparedwithforeignindustry,andadvisesthatweshoulddevelopthenationalbankcardbrand,maketheissuemarketstandardization,encouragesthethirdpartyservicesupplierstoparticipateinthebankcardmarket.Thisthesisincludes7chapters:Chapter1isthepandect,anddescribesthedefinitiontheactorsthemechanismtheinfluenceonmacro-economics;Chapter2thenanalysestheinstanceofournatinonalbankcardindustryincludingofthedevelopmenthistorythebankcardnettheissuemarkettheacquiremarket.MBA6Chapter3forthesakeofbetterunderstandingthedifference,researchesforeignbankcardindustry.thenbasedthenbasedontheanalysisbefore,callsontheproblemsandadvices.Theproblemscomprisethethreesides:bankcardnetissuemarketandacquiremarket.Chapter5isthesummarization.KEYWORDS:bankcard,industry,researchMBA22008113MBA320071132007113MBA11985119505722MBA22200234MBA3MBA411.1POSATM1.21.2.1MBA51JCB1.2.21.2.3POS1DavidS.Evans,RichardSchmalensee175MBA61.2.4POS1.2.5(1)MBA72004POSATMPOS0.5%122(2)POS71X1ATM2(3)71X7(4)71XX,X,2(5)71XX2MBA87:1:XPOS7:1:XPOS125/120/245/31.31.3.11.3.2POS0.5%-2%3MBA91.3.31ATM25562MBA1031.4MBA111.4.1451.4.21.4.31245MBA1222.119851993199418()2002802002,,,,,,2.22.2.1200216.5805MBA136200761891553418672.2.2(1)200611.7522.5211.1922560039826(2)2006601.67011910MBA153200575.90%,2/31112005200465.13%66.15%-1.02%1128.25%27.88%0.37%6.62%5.97%0.65%352.2.3(1)200611.4POS18.8200652POS8134POS57.3%81.3%POS2006ATM1.42006ATM9.819ATM6711MBA1612(2)1818200518POS2POSPOS15225312542005ATM5000(3)POSATMATMPOSPOS12MBA17POS2005POSPOS87132002POS2006POS1020071214IT2.32.3.120051.41651653132005145,219,8742,436,017459,0463,972,130138,352,68130.4%25.8%146.8%-3.7%31.7%200542005ATM135514MBA1820052005e2005152.3.220052.1922.5%58281253794200521,914.015.210.4459.021,429.822.5%14.3%11.9%-7.0%25.0%200532005200100015200513MBA192005162.3.320059569805876367057785200595,682,921775,674573,9756,699,16087,634,11219%-2%531%10%20%20053200597643197213200519124602005JCB172.3.4200518.1%20051.6611%20051256.6358.5%24.527.7%1620051217200512MBA2020053121472005187.542004184%200520052005182.3.52005388566130030033400528.622820056200538,851,96029,097627,970137,65738,056,626-0.1%-13.0%205200.0%-6.0%-1.7%200532004861025200573013062191820051219200513MBA21203.1,JCB3.23.2.11MBA222040202050195019582050602060702090120051.1820041.0710.3%1.4120041.38.5%20056123200459572.8%220051.22298520051468.620MBA23JP20053206.88200514019119.620051012005538.63106756877.3%(3)72005200020051ChaseMerchantServicesFirstDataCorp.2NPC(NationalProcessingCo.)ChasePaymentechSolutions3Paymentech(BAMerchantServices)4FirstDataCorp.FirstThirdBankrocessingSolutions5NOVA(NOVAInformationSystems)NOVA(NOVAInformationSystems)80%85%4MBA242005272.52004266.52%200530.10%2005,38.80%/,30.10%,0.90%,30.10%520055209020701/2502000548%AT&TASSOCIATE4000:(),()2121MBA253.2.2ICICIC1CarteBleueEuropayFrance219872.7%19980.018%2CBCBCartesBancaires1984200CBCBCBATMPOSCBMBA26CBCBCB3ICVOCABLEJAVAPOSa)CBMotorolaSagemMBA27b)CB140c)223.2.312070ATMPOS2090POS200180%ANZ()NAB()CBA()WestPac()2APCAAPCA(ACCC)22MBA283a)CashcardAustraliaLtd(CCA)50ATMEFTPOS2005ATM5600POS13100b)FDRFDRATMEFTPOSc)CUSCALd)Ticketmastere)DJShellf)200581%78.7%200079.8%200179%200277.7%20.5%19%POS0.2MBA290.8233.2.4(1)1.3106040200232.43.22003ATMCD140151POS1304020018%22%50(2)POS208019821992()232006-200721MBA30{)20044(3)20801967ankAmericard19801988DCUCMC1991200345%81%83%84%86%95%JCB20033J-DebitCARDElectronMaestro()PLUSCirrus(4)54%36%SONY4%1%5%200362010JCBJCBJAPANUCCardDCCardUFJCardJCB(5)ATM2003ATM140151()50%MBA31ATMATMATMATMATMATMATMa)()ATMJCBb)ATMJCBATMJCBElectronMaestro()PLUSCirrusc)ATMDESATMSCARMBLEPOS2003POS130JCB30POSPOSPOS10JCB24UCCard()DCCard()UFJCard(24MBA32)CREDITSEZONOMCAEONNICOSAcomPromise2003(UFJ)JCBNICOSUFJCard50%JCBUFJ58.5%()CREDITSEZONUCCardDCCardUFJJAPAN253.2.5(1)2003500095504.62003480(4002)22002181(1.8)200390%2500.020.048019881997199920005788199950%200018000252006-20075MBA3319992.5(2)a)b)c)510(2%)d)502003(250)1.5%4.5%22148KEBBC411MBA34LG90%5BCLGKEBBC1982BC1987BC2003BC11600027000ATM4MBA3520045()3%263.33.3.1(1(2(3262006-200716MBA3612343.3.21JCB200487JCB12.129.72727MBA3723.3.3GRRSCDMAWIFAATMPOS3.4MBA383.4.11JCB14196520062926.413.602.671028JCBCBNETSBankcardNCCC292002380290%90%30282930MBA3932006POS50ATM8.3109.9611.231431MBA405POSISO3.4.21202345MBA41MBA4244.14.1.14.1.2ATM4.1.34.2MBA434.2.112004464630070322a),,32MBA441232abMBA45cISO622BIN()160BIN4.2.2(1)MBA46(2)10MBA474.2.3(1)MBA48ATM20058007POS1.613310030POS1300400POS2005POS60.8(2)POSPOSPOSPOS200323000POS33200654MBA49POSPOSPOSPOSPOS85/POS40/125POS2500/42/POSPOSPOSPOSa)200437212200431.5/0.8b)[2004]20c)POS