中文摘要：

文章以市场集中率和赫希曼一赫芬达尔指数为衡量指标，研究了我国银行卡产业的市场结构类型及其发展趋势，实证分析了我国银行卡产业市场结构和绩效之间的关系。结果表明，我国银行卡产业的市场结构在2003年之前属于寡头垄断型，现正向垄断竞争型过渡；银行卡企业的市场份额对其绩效具有正向的影响，而银行卡产业市场集中度对银行卡企业的绩效具有负的影响；中小银行卡企业的银行卡交易额年度增长量明显大于大银行卡企业。文章同时对我国银行卡产业的发展提出了具体的政策建议。

英文摘要：

In this paper, market concentration ratio （CR） and Hirsehman- 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 the market structure of China＇ s bankcard industry was oligopoly before 2003, and is transiting into monopolistic competition.. Market share of bankcard enterprises has a positive influence on its performance, while market concentration ratio of bankeard 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 pohcy recommendations on development of bankcard industry are proposed.