摘要
银行卡支付中的交换费规则一直是反垄断法实践中争论较多的问题。第三方支付机构进入电子支付市场后,交换费规则面临一些新的问题,需要进一步分析其限制竞争的效果。银联在第三方支付市场上通过各种手段要求第三方支付统一接入其平台,维持其交换费利益,限制了第三方支付市场中的竞争,减损了消费者福利,且不比第三方支付直连模式更有效率。即便在2016年刷卡"新规"执行后,第三方支付统一接入仍然会事实上有利于银行卡清算机构维持交换费利益。基于效率的原则,应采取第三方支付机构与银行之间的直连模式,在政府指导价范围内由发卡行和第三方支付机构决定其内部合理的交换费。
It is a controversial issue concerning whether the exchange fee agreement is a horizontal price agreement and should be regulated by antitrust law. With third-party payment agencies involved, some new problems have been raised, which led to further analysis of competition effect. The exchange fee agreement restricts competition in the electronic payment market, impairs consumer welfare, and is not more efficient than direct-payment models. Even with the release of new policy in 2016, the current situation has not been improved. Based on the consideration of efficiency, direct-payment model should be emphasized and promoted.
出处
《竞争政策研究》
2017年第3期13-21,共9页
Competition Policy Research
基金
甘肃省社科规划项目"甘肃省互联网支付的法律保护研究"(项目编号YB068)的阶段性研究成果
关键词
第三方支付
交换费规则
联合抵制
反垄断
Third-party payment
the exchange fee agreement
Boycott
Antitrust
