CAJ | 학술논문

本文引入信息成本和我国商户端信用卡和借记卡兼容使用的现实约束条件，建立了同一双边市场平台下的信用卡和借记卡竞争模型。分析结果表明，我国现阶段以借记卡为主体、信用卡快速发展的产品格局具有经济上的合理性；银行卡的兼容增加了消费者的净剩余；我国现行的信用卡和借记卡统一交换费定价方法，没有反映我国银行卡产业发展由信息成本约束所体现的阶段性特征，扭曲了市场的价格结构，需要加以调整。
본문인입신식성본화아국상호단신용잡화차기잡겸용사용적현실약속조건，건립료동일쌍변시장평태하적신용잡화차기잡경쟁모형。분석결과표명，아국현계단이차기잡위주체、신용잡쾌속발전적산품격국구유경제상적합이성；은행잡적겸용증가료소비자적정잉여；아국현행적신용잡화차기잡통일교환비정개방법，몰유반영아국은행잡산업발전유신식성본약속소체현적계단성특정，뉴곡료시장적개격결구，수요가이조정。
This paper builds a model of payment instruments competing between credit card and debit card under the restrictions of information costs and compatible uses of credit and debit cards by merchant. It unveils the inherent logic of the development of bankcard payment system in China. The compatibility increases the cardhotders＇ surplus. It also shows that the same interchange fee for credit card and debit card is the distortion to the pricing structure, because the fee did not reflect the staged character of bankcard payment system in China under the restrictions of information costs. Then, the different interchange fee is suggested.