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Die Großen Zwei - Wettbewerb im Kreditkartenmarkt?

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Author Info

  • Uwe Dulleck

    ()
    (Universität Wien)

  • Hans W. Friederiszick

    ()

Abstract

Der Kreditkartenmarkt wird von zwei Firmen bestimmt: VISA und Mastercard/Eurocard. Der Einfluss der "Großen Zwei" hat sowohl in den USA als auch in Europa wettbewerbsrechtliche Bedenken ausgelöst und den bisher kaum wirtschaftswissenschaftlich analysierten Kreditkartenmarkt in den Mittelpunkt mikroökonomischer Analysen gesetzt. Die vorliegende Arbeit führt in die wesentlichen Rahmen- und Wettbewerbsbedingungen des Kreditkartenmarktes ein und stellt die im wettbewerbsrechtlichen Diskurs hergeleiteten Ergebnisse in einem breiteren ordnungspolitischen Rahmen vor. Die wettbewerbsrechtlich entscheidende Hypothese faktischer Marktmacht der "Großen Zwei" wird anhand von Preis/Kosten-Vergleichen für die europäischen Fänder analysiert: Eine Analyse der Preise und verschiedener Kostenindikatoren (Internetkosten, Zinsniveau, Kreditausfallrisiko) zeigt, dass die variablen Kosten nicht entscheidend für die Marktpreise im Kreditkartenmarkt sind. Dieses Ergebnis deutet auf eine faktische Marktmacht der Marken VISA und Mastercard/Eurocard in Europa hin. Die Bedeutung dieser Marktmacht wird anhand von Sonderverträgen dokumentiert.

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Bibliographic Info

Article provided by Justus-Liebig University Giessen, Department of Statistics and Economics in its journal Journal of Economics and Statistics.

Volume (Year): 224 (2004)
Issue (Month): 4 (July)
Pages: 445-470

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Handle: RePEc:jns:jbstat:v:224:y:2004:i:4:p:445-470

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Keywords: Kreditkarten; Markteigenschaften; Wettbewerb;

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  1. Fabio M. Manenti & Ernesto Somma, 2002. "Plastic Clashes: Competition among Closed and Open Systems in the Credit Card Industry," Industrial Organization 0211012, EconWPA.
  2. Gans Joshua S & King Stephen P, 2003. "The Neutrality of Interchange Fees in Payment Systems," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 3(1), pages 1-18, January.
  3. Ausubel, Lawrence M, 1991. "The Failure of Competition in the Credit Card Market," American Economic Review, American Economic Association, vol. 81(1), pages 50-81, March.
  4. Richard Schmalensee, 2001. "Payment Systems and Interchange Fees," NBER Working Papers 8256, National Bureau of Economic Research, Inc.
  5. Jerry A. Hausman & Gregory K. Leonard & Jean Tirole, 2003. "On Non-Exclusive Membership in Competing Joint Ventures," Levine's Working Paper Archive 506439000000000145, David K. Levine.
  6. Baxter, William F, 1983. "Bank Interchange of Transactional Paper: Legal and Economic Perspectives," Journal of Law and Economics, University of Chicago Press, vol. 26(3), pages 541-88, October.
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