CAJ | 학술논문

介绍了中小商户银行卡受理现状、中小商户受理市场发展面临的主要问题，介绍了美国发展中小商户受理银行卡的经验，分析现有中小商户收单模式的利弊，对调整银行卡分润模式向收单机构倾斜以提高收单机构发展中小商户积极性作了可行性研究，并对刷卡手续费分润比例系数调整进行了完整测算研究，最后提出了推动中小商户受理银行卡的策略建议。建议调整银行卡分润模式向收单机构倾斜，以提高收单机构拓展中小商户积极性，尽快出台商户刷卡手续费下调方案以提高中小商户受理银行卡的积极性，推动开放个人账户作为银行卡POS结算账户以扩大银行卡支付覆盖面，研发更多低成本银行卡受理终端以降低收单终端成本，完善中小商户商户信用体系以为中小商户提供基于收单的信贷增值服务。
개소료중소상호은행잡수리현상、중소상호수리시장발전면림적주요문제，개소료미국발전중소상호수리은행잡적경험，분석현유중소상호수단모식적리폐，대조정은행잡분윤모식향수단궤구경사이제고수단궤구발전중소상호적겁성작료가행성연구，병대쇄잡수속비분윤비례계수조정진행료완정측산연구，최후제출료추동중소상호수리은행잡적책략건의。건의조정은행잡분윤모식향수단궤구경사，이제고수단궤구탁전중소상호적겁성，진쾌출태상호쇄잡수속비하조방안이제고중소상호수리은행잡적적겁성，추동개방개인장호작위은행잡POS결산장호이확대은행잡지부복개면，연발경다저성본은행잡수리종단이강저수단종단성본，완선중소상호상호신용체계이위중소상호제공기우수단적신대증치복무。
This paper introduces current situations and major problems of medium and small merchants accepting bankcard, introduces the experi- ence of developing medium and small merchants acquiring in United States, analyzes the advantages and disadvantages of current medium and small merchants acquiring business model, measures the acquiring business cost of small and medium-sized merchant, measures the adjusting the mer- chant fees sharing model of debit card in order to tilt to acquirers. Final, the paper proposes some measures and strategy suggestions to promote the development of medium and small merchants accepting bankcard.