中文摘要：

采用数据包络分析法DEA，对中国银行卡产业的技术效率、纯技术效率、规模效率以及衡量效率变化的Malmquist指数进行了实证研究。结果表明，中国银行卡产业的整体效率普遍偏低，但具有不断提高的发展趋势；中小银行卡企业较四大银行卡企业的平均效率水平高，但增长速度慢；引起四大银行卡企业和中小银行卡企业规模低效的原因在于前者处于规模报酬递减阶段，而后者处于规模报酬递增阶段。指出中国银行卡产业应从效率角度出发，加大银行卡产品的宣传和推广力度，提高银行卡企业的内部管理水平和服务效率，适当控制银行卡的发行规模。

英文摘要：

A data envelopment analysis method is introduced, and the technical efficiency, pure technology efficiency, scale efficiency, and Malmquist index of the Chinese bankcard industry are investigated empirically. The study results show that the Chinese bankcard industry is short of expected efficiency, but has an increasing development trend. The efficiency of small-medium bankcard enterprises is higher than that of four big bankcard enterprises, but its increase rate is lower. The reason for scale inefficiency is that the four big bankcard enterprises operate in an area of increasing returns of scale, while small-medium bankcard enterprises operate in an area of decreasing returns of scale. From an efficiency perspective, some policy recommendations for the Chinese bankcard industry are pointed out, such as strengthening publicity and popularization of bankcards, improving the management level and service efficiency of bankcard enterprises, and controlling the issuing scale of bankcards appropriately.