银行卡产业的兼容与多方持有——基于双边市场理论的分析
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引用本文:蔡 兴.银行卡产业的兼容与多方持有——基于双边市场理论的分析[J].经济数学,2011,(3):55-60
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作者单位
蔡 兴 (湖南师范大学 商学院,湖南 长沙 410081) 
中文摘要:银行卡平台的兼容和多方持有都能增加持卡人和商户的交叉网络外部性收益,这两种方式也在一定程度上增加社会成本.但总体上来说,收益很可能大于成本,因此,兼容和多方持有都能提高社会总福利.正是由于这一点,许多人认为多方持有能很好地替代兼容.本文以Doganoglu和Wright模型的基础,证明了兼容和多方持有也存在着关键的差异:兼容的社会成本主要由银行卡组织承担,而多方持有的社会成本主要由持卡人和商户承担.这种社会成本承担差异就导致,一方面银行卡组织更愿意让持卡人和商户采用多方持有行为,另一方面多方持有提高社会总福利的程度小于兼容.由此可见,银行卡组织的自发选择将与社会总福利最大化目标是相悖的,因此需要政府强制兼容.
中文关键词:银行卡产业  兼容  多方持有  双边市场
 
The Compatibility and Multihoming in the Bankcards Industry——the Analysis Based on the Two -sided Market Theory
Abstract:The compatibility and multihoming of the bankcards organizations can increase the benefit of the card holders and merchants, but they also increase the social cost to some extent. Generally, the benefit will be larger than the cost, so they can improve the social welfare. This paper proves that there is important difference between the compatibility and multihoming. The bankcard organizations will choose multihoming because of the important difference, but the compatibility has larger social welfare. So the government should compel the bankcards organizations to choose compatibility.
keywords:bankcard industry  compatibility  multihoming  two -sided market
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