本文研究了双边市场中的银行卡支付系统，其中的银行卡组织和商户都拥有垄断力量。

This paper studies the bankcard payment system in the two-sided markets where the bankcard organization and merchants both have market power.

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这是因为支付卡系统是一个“双边”的市场。

That is because the payment-card system is a "two-sided" market.

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BEPS系统是中国的一个双边净额支付系统，它基于中国国家现代支付系统(CNAPS)的基础设施，用来处理小额(低于20,000元人民币)的电子支付。

BEPS is a bilateral netting payment system in China. Based on the CNAPS infrastructure, it is used for the processing of low-value electronic payments (under RMB 20,000).

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