Research Of China's Bank Card Market Efficiency Based On The SCP Paradigm

Industrial Organization Theory which take the "Market Structure-Market Action-Market Performance" paradigm as its core content,is basis of formulating industrial policies to promote industrial development by the government.It can achieve the objective of improving the whole working efficiency by studying the relationship of the Market Structure, Conduct and Performance.Bank cards as a modern integrated electronic payment instruments,is a set of consume, credit, settlement and financial management functions in one, The role of bank cards becomes more and more important in modern payment system.As a newly developing bank product,bank card market has developed rapidly since its issue.Bankcard industry chain keeps extended.However, compared to mature foreign markets, China's bankcard industry still in its infancy,the level of marketization and profitability is not high.How to optimize the efficiency of the bank card market and improve the earning proportion of the whole industry has become important issues faced by the market.In this context,the study takes use of the SCP frame to analyse the current situation of th market by studying China's bank card market in order to find problems and propose matching proposalsThe essay briefly summarized various theoretical schools of each period and make comparative analysis of them according to its evolution context.In the basis of analysing the current situation of the bank card market domestic and overseas,it study China's bank card market according to the Structure-Conduct-Performance frame.The author measures the structure of the bank card market by using concentration indicator.It define the market structure of China's bank card market according to revelant theory.The essay analyses the price action and non-price behavior in China bank card market from the perspective of market behavior.it select representative indicators to study the earning status of the bank card market in order to having a generalize analysis of the whole bank card market.Finally,it take a demonstration research on the relationship between the Market structure and the Market performance The innovation of the essay is study the bank card market taking example of theory and methods which applys to the relationship research between Market Structure and Market Performance domestic and overseas.lt take use of Gray Relevance Model to analyse the relationship between the Market structure and the Market performance.The main conclusions are as follows:The concentration degree is in descend tendency.The type of the market is in transition from oligarch monopolizeto monopolize competetion.The Market Share and Market concentration are positive correlate to Market performance.