The overall situation of the payment system in the third quarter of 2017, credit card issuance

The central bank's website released the "General Situation of the Payment System in the Third Quarter of 2017" on December 5. The data shows that the national payment system is running smoothly, the scale of social capital transactions is expanding, and the volume of payment business is growing steadily.

Mobile payment services are growing faster. In the third quarter, banking financial institutions handled a total of 38.135 billion electronic payment services with an amount of 523.47 trillion yuan. among them:

The online payment business was 12.087 billion, with an amount of 439.89 trillion yuan;

Mobile payment services were 9.722 billion, with an amount of 49.26 trillion yuan;

The telephone payment service was 4,108,900, with an amount of 2.16 trillion yuan.

Non-bank payment institutions handled 77.833 billion online payment services, amounting to 38.98 trillion yuan, an increase of 76.78% and 47.99% respectively.

POS machine: Bank card cross-bank payment system network of special merchants 25.15.52 million, pos machine 301.9976 million, an increase of 956,800 and 1,998,100 units respectively. The number of POSs per 10,000 people in the country is 224.18.

Credit card: The number of cards issued by the national bank card was 6.518 billion, an increase of 8.35%. Among them, the number of credit card and loan combined cards used in total was 552 million, an increase of 11.18%. The national average holds 0.36 credit cards.

It is worth noting that the networked platform was included for the first time. The content shows that the networked platform is running smoothly. By the end of the third quarter, a total of 15 national commercial banks and 9 payment institutions had access to the networked platform, and the network payment services initiated by payment institutions involving bank accounts were switched from direct-connected channels to network-connected platforms.

The following is the full text of the central bank's "General Situation of the Payment System in the Third Quarter of 2017":

According to the statistics of payment business in the third quarter of 2017, the national payment system operated steadily, the scale of social capital transactions continued to expand, and the volume of payment business continued to grow steadily.

1. Non-cash payment tools

In the third quarter, the country handled a total of 43.395 billion non-cash payment businesses, amounting to 923.80 trillion yuan, an increase of 32.55% and 2.26% respectively.

(1) Bills

The bill business maintained a downward trend. In the third quarter, there were a total of 62,859,900 bills in the country, amounting to 41.14 trillion yuan, down 11.75% and 7.31% respectively. Among them, the check business was 57.824 million, with an amount of 36.40 trillion yuan, down 12.18% and 6.73% respectively; the actual settlement of commercial draft business was 452.62 million, the amount was 4.32 trillion yuan, down 1.04% and 8.90% respectively; bank draft The business was 104,400, with an amount of 90.282 billion yuan, down 64.34% and 52.71% respectively; the bank's promissory business was 394,800, with an amount of 371.176 billion yuan, down 20.98% and 22.31% respectively.

The electronic commercial bill of exchange system business grew rapidly. In the third quarter, the electronic commercial bill of exchange system issued 1,921,900, the amount of 3.31 trillion yuan, an increase of 209.24% and 49.74% respectively; the acceptance of 1,198,100, the amount of 3.38 trillion yuan, an increase of 210.57% and 49.59% respectively; discounted 50.01 million, the amount of 1.77 trillion yuan, an increase of 119.02% and 11.91% respectively; the discounted discount of 1,480,200, the amount of 10.95 trillion yuan, the number of pens increased by 51.44%, the amount decreased by 15.78%; pledged repo, 119,400 Pen, the amount of 1.78 trillion yuan, an increase of 121.53% and 45.46% respectively.

(2) Bank card

The amount of bank card issuance has grown steadily. As of the end of the third quarter, the number of cards issued in the country was 6.518 billion, an increase of 8.35% year-on-year and a 2.69% quarter-on-quarter increase. Among them, the number of debit cards used was 5.966 billion, an increase of 8.10% year-on-year and 2.38% quarter-on-quarter; the number of credit card and loan-to-debt cards issued totaled 552 million, an increase of 11.18% year-on-year and a growth of 6.13%. There are 4.71 bank cards per capita in the country, of which 0.36 cards are held per capita.

The bank card acceptance environment continues to improve. As of the end of the third quarter, bank card inter-bank payment system network connected merchants 25.15.52 million, POS machines 30.979 million, ATM machines 948,700 units, compared with the end of the last quarter, respectively increased by 956,800, 1,998,100, 4,202. The number of POS per 10,000 people in the country was 224.18 units, an increase of 18.12% year-on-year, and the number of ATMs per 10,000 people was 6.85 units, a year-on-year increase of 3.53%.

Bank card transactions continued to grow. In the third quarter, a total of 40.575 billion bank card transactions occurred nationwide, amounting to 185.90 trillion yuan, an increase of 33.73% and 4.61% respectively. Among them, 2.385 billion cash is deposited, the amount is 16.29 trillion yuan; the cash withdrawal business is 4.317 billion, the amount is 15.62 trillion yuan; the transfer business is 18.22 billion, the amount is 136.32 trillion yuan; the consumption business is 15.653 billion, the amount is 17.68 trillion yuan . The bank card cross-border consumer business was 4.148 billion, with an amount of 13.43 trillion yuan. The penetration rate of bank cards reached 48.81%, up 0.11 percentage points from the previous month; the per capita consumption of bank cards reached 12,800 yuan, up 22.46% year-on-year; the average amount of bank card consumption was 2 712.01 yuan, up 13.99% year-on-year; The amount was 1 129.24 yuan, down 23.17% year-on-year.

The scale of bank card credit continues to expand.

As of the end of the third quarter, the total credit amount of bank cards was 11.91 trillion yuan, an increase of 9.85% from the previous quarter; the credit balance of bank cards was 5.17 trillion yuan, an increase of 10.25%. Bank credit cards have a credit line of 21,600 yuan and a credit utilization rate of 43.39%. The credit card overdue for half a year was 66.271 billion yuan, a year-on-year increase of 1.85%, accounting for 1.36% of the credit balance of credit card receivables, accounting for a decrease of 0.11 percentage points from the end of the previous quarter.

(3) Other settlement services such as credit transfer

The credit transfer business grew slightly. In the third quarter, there were 2.958 billion other settlement transactions such as credit transfer, direct debit, collection commitment and domestic letter of credit, amounting to 696.75 trillion yuan, an increase of 18.97% and 2.27% respectively. Among them, the credit transfer business was 2.48 billion, with an amount of 685.27 trillion yuan.

(4) Electronic payment

Mobile payment services are growing faster. In the third quarter, banking financial institutions handled a total of 38.135 billion electronic payment services with an amount of 52.247 trillion yuan. Among them, online payment business was 12.087 billion, amounting to 439.89 trillion yuan, up 4.14% and 1.37% respectively; mobile payment business was 9.722 billion, amounting to 49.26 trillion yuan, up 46.65% and 39.42% respectively; telephone payment business 4 108.90 million, amounting to 2.16 trillion yuan, down 55.89% and 61.98% respectively.

In the third quarter, non-bank payment institutions handled 77.833 billion online payment services, amounting to 38.98 trillion yuan, an increase of 76.78% and 47.99% respectively.

Second, the payment system

In the third quarter, the payment system handled a total of 19.942 billion payment transactions, amounting to 1398.55 trillion yuan, an increase of 29.39% and 4.03% respectively.

(1) People's Bank Payment System

In the third quarter, the People's Bank of China's payment system handled a total of 3.330 billion payment transactions, amounting to 1041.22 trillion yuan, an increase of 59.99% and 1.34% respectively, accounting for 16.70% and 74.45% of the payment system business and the amount respectively. The daily average processing business was 37.641 million, with an amount of 15.67 trillion yuan.

The number of large-value real-time payment systems has grown steadily. In the third quarter, the large-value real-time payment system handled 242 million transactions, amounting to 980.74 trillion yuan, an increase of 14.58% and 0.70% respectively. The average daily processing business was 3.628 million, with an amount of 14.86 trillion yuan.

The amount of business in the small-volume batch payment system declined slightly. In the third quarter, the small-volume batch payment system handled 609 million transactions, amounting to 7.90 trillion yuan, a year-on-year increase of 0.02%, and the amount decreased by 0.78%. The average daily processing business is 662,000, with an amount of 85.851 billion yuan.

The online payment cross-bank clearing system business grew rapidly. In the third quarter, the online payment inter-bank clearing system handled 2.385 billion yuan, amounting to 17.01 trillion yuan, an increase of 104.76% and 73.91% respectively. The average daily processing business was 2,592,000, with an amount of 1,849.32 billion yuan.

The business volume of the same city clearing system declined slightly. In the third quarter, the same city clearing system handled 932,265, with an amount of 33.86 trillion yuan, down 1.41% and 1.25% respectively. The average daily processing business was 1,142,400, with an amount of 5,129.58 billion yuan.

The business volume of domestic and foreign currency payment systems has grown steadily. In the third quarter, the domestic and foreign currency payment system handled 545,300 transactions, amounting to 249.282 billion US dollars (equivalent to about 1.65 trillion yuan), an increase of 7.83% and 16.77% respectively. The daily average processing business was 8 262.86, with an amount of 3.777 billion US dollars (equivalent to RMB 2.5068 billion).

The business volume of the national check image exchange system declined slightly. In the third quarter, the national check image exchange system handled a total of 1,203,300 transactions, amounting to 65.522 billion yuan. The daily average processing business is 18,500, with an amount of 1.008 billion yuan.

(2) Other payment systems

Banking financial institutions' online payment system business volume continues to grow. In the third quarter, the banking industry financial institutions handled 8.274 billion in-line payment systems, amounting to 326.55 trillion yuan, an increase of 22.42% and 10.21% respectively. The average daily processing business was 893.11 million, with an amount of 3.55 trillion yuan. The business volume of bank card interbank payment systems maintained a growth trend. The business volume of bank card interbank payment systems maintained a growth trend. The business volume of bank card interbank payment systems maintained a growth trend. In the third quarter, bank card interbank payment system handled 7.476 billion yuan, amounting to 24.84 trillion yuan, up 22.10% and 43.54% respectively. The average daily processing business was 1.25 million, with an amount of 270.018 billion yuan.

The business volume of the city commercial bank bill processing system and payment clearing system maintained a rapid growth. In the third quarter, the city commercial bank bill processing system and payment clearing system handled 9,073,300 transactions, amounting to 257.76 billion yuan. The daily average processing business was 98,600, with an amount of 2.726 billion yuan.

The business volume of the rural credit payment clearing system maintained rapid growth. In the third quarter, the rural credit payment clearing system handled 853 million transactions, amounting to 1.70 trillion yuan, an increase of 90.21% and 24.04% respectively. The average daily processing business was 927,300, with an amount of 18.444 billion yuan.

The RMB cross-border payment system operated smoothly. In the third quarter, the RMB cross-border payment system handled 362,000 pieces of business with an amount of 3.99 trillion yuan. The daily average processing business is 5 485.11, with an amount of 60.412 billion yuan.

The network platform is running smoothly. By the end of the third quarter, a total of 15 national commercial banks and 9 payment institutions had access to the networked platform, and the network payment services initiated by payment institutions involving bank accounts were switched from direct-connected channels to network-connected platforms.

Third, the bank settlement account

The number of RMB bank settlement accounts has grown steadily. As of the end of the third quarter, the country had opened a total of 8.776 billion RMB bank settlement accounts, an increase of 3.11% from the previous month, and the growth rate increased by 1.03 percentage points from the previous quarter.

The number of bank settlement accounts per unit has increased slightly. As of the end of the third quarter, the country had opened a total of 55,355,500 bank settlement accounts, an increase of 2.75% from the previous month, and the growth rate dropped by 0.08 percentage points. Among them, the basic deposit account was 36,663,600, the general deposit account was 1,331,280, the special deposit account was 3,384,700, and the temporary deposit account was 193,900, accounting for 68.46%, 24.86%, 6.32% of the total bank settlement account, respectively. 0.36%. In the quarter, the national basic deposit account increased by 1,378,800, the general deposit account increased by 34,800, the special deposit account increased by 24,100, and the temporary deposit account decreased by 2,631.

The number of personal bank settlement accounts has grown steadily. As of the end of the third quarter, the country had opened a total of 8.922 billion personal bank settlement accounts, an increase of 269 million compared with the end of the previous quarter, an increase of 3.11% from the previous quarter, and the growth rate increased by 1.03 percentage points from the previous quarter. The number of accounts per capita is 6.45.