中文摘要：

本文通过对银行卡定价理论新发展以及国外POS交易价格的研究．结合我国银行卡产业发展的实际情况。对我国银行卡POS交易价格形成机制进行了研究。研究表明：银行卡产业具有的双边市场特征和网络外部性特征使得银行卡POS交易的定价将是成本、竞争、双边市场需求等多种因素的综合反映。就中国银行卡产业发展现状而言，我国银行卡POS交易定价应该与国际接轨．由现有的单一定价模式转变为三级差别定价和二级差别定价相结合的差别定价模式。差别定价模式有利于建立科学合理的利益分配体系，促进和保障银行卡产业的持续健康稳定发展。

英文摘要：

This paper begins with the new development of the pricing theory of bankcard and bases on the actual situation of Chinese bankcard industry. It studies the price mechanism of POS transactions in China. It shows：the characteristics of two-sided markets and network externalities cause the pricing of bankcard POS transactions will be influenced by cost,competition and demands of two-sided markets. At present,the price mechanism of POS transactions should act in accordance with the international way. The price mechanism should transform uniform pricing into pricing discriminatory,which combine second-degree with third-degree pricing discriminatory. Discriminatory pricing is advantageous to establish scientific and reasonable benefits distribution institution,and can boost bankcard industry further development,