我国银行卡产业市场结构对绩效影响的实证分析

In this paper, according to the industrial organization theory, market concentration ratio (CR) and Hirschman-Herfindahl index (HHI) are regarded as the measuring indicators, and market structure type and development trend are studied. The panel data is analyzed to investigate empirically the relationship of market structure and performance of bankcard industry. The study results show that market concentration ratio of bankcard industry in China is increasingly decreasing. Market share of bankcard enterprises has a positive influence on its performance, while market concentration ratio of bankcard industry has a negative impact on performance of bankcard enterprises. The transaction increment of medium-small scale bankcard enterprises is bigger than that of large bankcards enterprises. Finally, some specific policy recommendations on development of bankcard industry are proposed