中文摘要：

本文通过对银行卡产业的基本特征以及银行卡交换费的作用进行研究．结合我国银行卡产业发展的现状以及国外POS交易价格形成机制，对我国银行卡POS交易定价机制提出了相应的改革建议。研究认为：就中国银行卡产业发展现状而言．我国银行卡POS交易定价应该遵循国际POS交易定价规律，由现有的单一定价模式转变为差别定价模式。最后，本文提出了适合我国银行卡产业发展的POS交易差别定价的思路。

英文摘要：

This paper studies the pricing mechanism of POS transactions in foreign countries and the rules of interchange fee in bankcard industry. It shows that, at present, the pricing mechanism of POS transactions should converge to international practice. Uniform pricing mechanism should be transferred into a discriminatory one. Discriminatory pricing mechanism is conducive to establishing a scientific and reasonable profit distribution scheme, and hence boosting further development of bankcard industry.