| | | | | 美国与日本信用卡市场差异的比较分析 | | | 柯颖;王述英 | | | 对银行进入信用卡产业的政府管制、通讯成本和市场规模是影响一国信用卡市场发展的关键因素。日本虽已成为世界第二大信用卡市场,但与美国相比,不仅信用卡的交易规模较小以及信用额度、受理范围十分有限,而且信用卡支付系统的欺诈率和信用卡发行机构收取的费率也较高。造成上述差异的主要原因在于:日本的银行业进入信用卡市场长期受到政府的严格管制,通讯成本较高以及信用卡产业的规模经济不明显。
【作者单位】：南开大学经济学院 天津300071
【关键词】：信用卡;管制;欺诈率;循环信用
【分类号】：F837.12;F833.13
【DOI】：cnki:ISSN:1000-355X.0.2006-03-007
【正文快照】：
一、影响信用卡市场发展的关键因素信用卡是指具有透支功能的银行卡,是一种“现买迟付”的信贷工具。纵观各国信用卡产业发展的沿革历程及经验,除社会及心理因素外,以下3个因素对一国信用卡市场的发展有着至关重要的影响:1.对银行进入信用卡市场的政府管制信用卡市场的发卡主体主要包括银行、零售商和个人消费信贷公司。由于银行本身所具有的优势有利于更广泛地发展消费信贷,对银行及其附属机构自由进入信用卡市场的管制强度成为一国信用卡市场发展的首要决定因素。一方面,银行是连接零售商和消费者的枢纽。银行利润的重要来源是货币借贷之… | | |  推荐 CAJ下载  PDF下载 | | | CAJViewer7.0阅读器支持所有CNKI文件格式，AdobeReader仅支持PDF格式 | | | | A Comparative Analysis of the Differences between America and Japan’s Credit Card Markets | | | KE Ying;WANG Shu-ying(School of Economics;Nankai University;Tianjin;300071;China) | | | Such issues as government regulations over banks’ entry into the credit card industry,telecommunication costs and the size of market are considered as key factors that affect the development of a country’s credit card market.The credit card market of Japan,though the second largest one in the world,not only enjoys a relatively smaller volume of business,but is also limited in its credit amount and service scale when compared to those of America.Besides,the fraud rate in the Japan’s credit card payment system and the service fees charged by the credit card issuing institutions are also found to be higher than those of the US.The major causes of the above-mentioned differences are found to be such as the fact that banks of Japan in the credit card market are kept under government’s long-term tight control,the high costs of telecommunication and the negligibility of size benefits of the credit-card industry of the country.
【Keyword】：credit card;regulation;fraud rate;revolving credit |
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