Recently, the China Banking Association issued the "Blue Book of China's Credit Card Industry Development (2014)" in Beijing.
The "Blue Book" shows that in 2014, China's credit card industry continued to maintain a sound momentum of steady development, the scale of business continued to grow, and the market influence continued to increase. In 2014, the number of newly issued credit cards in China was 64 million, and the cumulative number of cards issued reached 460 million, an increase of 17.9% over the beginning of the year. The per capita card holding amount reached 0.34; the total transaction volume was 15.2 trillion yuan, an increase of 16% over the previous year. The total transaction volume accounted for 58% of the total retail sales of consumer goods in the country, an increase of 4.1 percentage points over 2013. At the same time, the potential risk of credit remained at a low level. The total amount of outstanding loans overdue for half a year was 35.76 billion yuan, an increase of 42% over 2013. The current loss rate at the annual rate was 0.99%, an increase of 26.9% over the same period last year.
In 2014, the domestic acceptance market environment was further improved, and innovative trading channels such as the Internet and mobile terminals developed rapidly. In 2014, there were 4.399 million merchants in China, a total of 1.234 million, an increase of 57.6% over the beginning of the year; the number of pos terminals receiving credit cards in China increased by 5.303 million units, a total of 15.930 million units, an increase of 49.9% over the beginning of the year; The domestic ATM machine added 95,000 units in the same year, a total of 615,000 units, an increase of 18.3% over the beginning of the year.
The Blue Book was organized by the Bank of China Professional Committee of the China Banking Association, led by the Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, China CITIC Bank, China Everbright Bank, China Merchants Bank, China Minsheng Bank, Shanghai Pudong 14 member units including Development Bank, Industrial Bank, China Postal Savings Bank, Nanjing Bank, Beijing Rural Commercial Bank and China UnionPay participated in the project and received strong support from the China Banking Regulatory Commission and the People's Bank of China.
In conjunction with the hot issues of industrial development in 2014, the "Blue Book" has studied the scale and trends of credit card industry, products and services, technology and applications, self-discipline and system. The "Blue Book" pointed out that China's credit card industry is still facing a series of difficulties and challenges in the management of the acquiring market, customer information security, dishonesty and illegal crimes. In order to further promote the scientific, standardized, rapid and healthy development of the credit card industry, the "Blue Book" has put forward a series of positive suggestions from the aspects of applying Internet innovation, strengthening business management, guiding industry self-regulation, joint crime prevention, and striving for policy support. In the past few years, the "Blue Book" has provided reference for the relevant research of China's credit card industry, providing a window for the community to understand the credit card industry, and has become a shelf book for the National Library and major university libraries.
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