카드산업 경쟁력 제고 방안

Abstract

This paper examines the current state of the credit card market, merchant fees amendment and the revision of marketing cost and other related problems. Since 2012, the government discounted the special treatment fee for small and middle sized merchants and extended the range of special treatment. The Government declaration of the amendment targeting 0% fee in March 2018, there is a huge concern about there venue in the credit card market. In the amendment there exists a regressiveness which needs to be solved, and the more fundamental task is not lowering the merchant fees but drawing measures to reduce excessive marketing cost. We examined the impact of the fee discount leading to regressiveness in the large sized merchants and the marketing cost, institutional measures to solve problems in subsidiary businesses related to the credit card market. The solutions of problems we found in the credit card market are settlement of problems in large sized merchants due to regressiveness and need of recognition of the real fee rate after tax deduction. The ways are abolition of the welcome acceptance based on the legal prohibition of price discrimination, change of provisions, revision of several new payment systems, solving problems of deputy VAT collection.