中文摘要：

在信息技术的推动下，新兴支付工具的快速发展替代了传统支付工具，提高了社会支付效率。多种支付工具共存情况下，支付工具的使用表现为用于不同的支付范围。从成本结构角度出发，分析了各支付工具成本结构关系与支付金额范围的关系，并对荷兰银行2002年支付工具成本调研结果进行了案例分析，这有助于了解新支付工具及支付工具市场的发展，并为深入分析支付工具市场现象起到一个抛砖引玉的作用。

英文摘要：

The continuous evolution of information technology has led to a significant development of new payments instrument. Generally speaking, different payment instruments are applied to different payment amount scopes when there are several payment instruments. This study analyzes the relations between payment instruments’payment scopes and cost structures. With analyzing empirical evidence provided by a survey on the costs of payment instrument in the Netherlands in 2002, some critical prob-lems of payment instrument are promoted. The work in this paper helps to understand the development of payment instrument market as well as further analyze the phenomena of payment market.