General situation of payment system operation in the third quarter of 2019 From People’s Bank of China

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The following is the General situation of payment system operation in the third quarter of 2019 From People’s Bank of China recommended by recordtrend.com. And this article belongs to the classification: research report, mobile payment .

According to the statistical data of payment business in the third quarter of 2019, the national payment system is running smoothly, the scale of social capital transactions is constantly expanding, and the payment business volume keeps growing steadily.

I. bank account

The number of bank accounts has grown steadily. By the end of this quarter, a total of 11.017 billion bank accounts had been opened nationwide, up 3.33% month on month and 1.37% higher than that at the end of last quarter.

The number of bank accounts per unit kept increasing. As of the end of this quarter, a total of 66.7341 million unit bank accounts were opened nationwide, up 2.85% month on month, and the growth rate was 0.32% lower than that at the end of last quarter. Among them, there are 47.7597 million basic deposit accounts, 15.0699 million general deposit accounts, 3.7221 million special deposit accounts and 182400 temporary deposit accounts, accounting for 71.57%, 22.58%, 5.58% and 0.27% of the total bank accounts of the unit, respectively. In this quarter, the number of basic deposit accounts increased by 1.538 million, that of general deposits increased by 30800, that of special deposits increased by 47300, and that of temporary deposits decreased by 0900.

The number of personal bank accounts increased steadily. By the end of this quarter, a total of 10.950 billion personal bank accounts had been opened in China, an increase of 353 million over the end of the previous quarter, with a month on month increase of 3.33%, and a growth rate of 1.38 percentage points higher than that at the end of last quarter. The number of bank accounts per capita reached 7.85.

2. Non cash payment business

In this quarter, banks across the country handled 489.760 billion non cash payment transactions, with an amount of 926.03 trillion yuan, up 54.80% and 0.06% respectively year-on-year.

（1） Bank card

The number of bank cards issued increased steadily. By the end of this quarter, 8.217 billion bankcards were issued nationwide, up 3.00% month on month. Among them, 7.482 billion debit cards were issued, an increase of 2.97% on a month on month basis; 734 million cards were issued with credit cards and debit and credit cards, with a month on month increase of 3.25%. There are 5.89 bank cards per capita in China, of which 0.53 are credit cards and credit cards.

The number of bank card acceptance terminals is 5, which is basically stable. As of the end of this quarter, there were 24.855 million special merchants of bank card inter-bank payment system, 3.242760 sets of online POS machines, 319800 units and 445300 sets of online POS machines and tools respectively, and 61088800 sets of ATM machines and tools, a decrease of 11600 units compared with the end of last quarter. The number of POS machines per 10000 people in China was 232.39, down 1.35% month on month; the number of ATMs per 10000 people in China was 7.80, down 1.05% month on month.

The volume of bank card transactions increased steadily. In this quarter, a total of 787.390 billion bank card transactions occurred, with a total amount of 220.59 trillion yuan, up 57.69% and 2.98% respectively over the same period of last year. Among them, there were 1.753 billion cash deposits, with a total amount of 12.62 trillion yuan; 2.786 billion cash withdrawals, with an amount of 11.99 trillion yuan; 39.833 billion transactions, with the amount of 166.31 trillion yuan; and 43.018 billion transactions, with the amount of 29.67 trillion yuan. The penetration rate of bank cards was 49.04%, up 0.02 percentage points over the previous quarter. The per capita consumption amount of bank card was 21300 yuan, with a year-on-year increase of 22.90%; the average consumption amount of bank card was 3610.49 yuan, an increase of 10.89%; the average consumption amount of bank card pen was 689.63 yuan, a year-on-year decrease of 24.21%.

The scale of bank card credit increased moderately. As of the end of this quarter, the total amount of bank card credit 8 was 16.99 trillion yuan, up 4.11% month on month; the balance of bank card payable credit was 7.42 trillion yuan, up 2.67% month on month. The average credit line of bank card was 23100 yuan, and the utilization rate of credit was 43.69%. The total amount of outstanding credit of credit card overdue for half a year was 91.916 billion yuan, accounting for 1.24% of the balance of credit card payable, accounting for 0.08% higher than that at the end of last quarter.

(2) bills

Business volume of commercial bills increased slightly. In this quarter, a total of 46.3349 million bills were transacted nationwide, with a total amount of 32.22 trillion yuan, down 14.33% and 10.09% respectively year-on-year. Among them, there were 4.05704 million cheques with an amount of 27.24 trillion yuan, down 16.58% and 13.40% respectively on a year-on-year basis; 5.5393 million commercial bills were actually settled with an amount of 4.80 trillion yuan, an increase of 8.44% and 16.73% respectively on a year-on-year basis; 64000 cases of bank draft business, with an amount of 39.298 billion yuan, decreased by 9.99% and 10.48% respectively over the same period; and 161300 transactions of bank notes with a total amount of 147971 were involved Billion yuan, down 41.39% and 36.28% respectively.

The business volume of e-commerce bill system 10 kept growing. In this quarter, 5.3066 million bills were issued by the electronic commercial bill system, with an amount of 4.80 trillion yuan, increasing by 29.07% and 9.30% respectively on a year-on-year basis; 5.407 million bills were accepted, with an amount of 4.89 trillion yuan, increasing by 28.50% and 9.36% respectively; 1.7721 million bills were discounted, with an amount of 3.00 trillion yuan, increasing by 48.71% and 13.06% respectively over the same period of last year; and 112.088100 transactions were transferred, with the amount of 9.40% There were 312500 pledged buybacks with a total amount of 3.07 trillion yuan, up 152.31% and 130.86% respectively.

(3) credit transfer and other settlement business

The amount of other settlement business such as credit transfer is basically stable. In this quarter, a total of 2.323 billion transactions of credit transfer, direct debit, collection commitment and domestic L / C settlement occurred in China, with an amount of 673.22 trillion yuan, down 7.50% and 0.32% respectively year-on-year. Among them, there were 2.209 billion credit transfer transactions with an amount of 651.61 trillion yuan.

(4) electronic payment

The growth of mobile payment business is relatively fast. In this quarter, the bank handled a total of 59.464 billion electronic payment transactions, with a total amount of 612.90 trillion yuan. Among them, there were 21.539 billion online payment services with an amount of 495.63 trillion yuan, an increase of 44.62% and 0.08% respectively on a year-on-year basis; 27.274 billion mobile payment services with an amount of 86.11 trillion yuan, up 61.05% and 31.52% respectively on a year-on-year basis; and a total of 43 million telephone payment services with a total amount of 2.52 trillion yuan, an increase of 16.57% and 38.67% on the same score.

In this quarter, non bank payment institutions handled 1319.187 billion online payment services, with a total amount of 63.99 trillion yuan, up 37.01% and 23.04% respectively year-on-year.

3. Payment system

In this quarter, payment system 14 handled 156.132 billion payment transactions, with a total amount of 1752.87 trillion yuan.

(I) payment system of the people’s Bank of China

In this quarter, the payment system 15 of the people’s Bank of China handled 4.754 billion payment transactions, with a total amount of 1.325.64 trillion yuan, up 13.53% and 8.13% respectively year-on-year, accounting for 3.05% and 75.63% of the number and amount of payment system business respectively. The average daily processing business was 53277100, with a total amount of 19.91 trillion yuan. The business volume of large amount real-time payment system keeps growing. In this quarter, 295 million transactions of large real-time payment system were processed, with a total amount of 1.261.22 trillion yuan, an increase of 6.28% and 8.35% respectively on a year-on-year basis. The average daily processing business is 4.4689 million, with a total amount of 19.11 trillion yuan.

The business amount of small batch payment system increased greatly. In this quarter, 681 million transactions were processed by the small batch payment system, with an amount of 12.51 trillion yuan, an increase of 21.55% and 38.13% respectively on a year-on-year basis. The average daily processing business is 7.397 million, with a total amount of 13.626 billion yuan.

The business volume of online payment inter-bank clearing system increased steadily. In this quarter, the online payment inter-bank clearing system handled 3.700 billion transactions, with an amount of 27.59 trillion yuan, up 13.63% and 18.54% respectively year-on-year. The average daily processing business was 40.2211 million, with a total amount of 299.871 billion yuan.

The business volume of the local clearing system continued to decline. In this quarter, the city wide clearing system 17 handled 7.9626 million transactions, with a total amount of 22.24 trillion yuan, down 16.27% and 19.33% respectively year-on-year. The average daily processing business is 1181300, with an amount of 337.022 billion yuan.

The number of domestic foreign currency payment system business transactions increased slightly. In the quarter, 5814000 domestic foreign currency payment system processing businesses increased by 3.69% year-on-year, with an amount of USD 293.243 billion (equivalent to about 2.07 trillion yuan 18), down 3.59% year-on-year. The daily average processing business amounted to 880903 transactions, with an amount of USD 4.4443 billion (equivalent to about RMB 31425 million).

(2) other payment systems

The volume of intra bank system business increased slightly. In this quarter, the bank’s in-bank payment system processed 4.034 billion transactions with a total amount of 302.96 trillion yuan, up 6.80% and 1.44% respectively on a month on month basis. The average daily processing business is 43850700, with a total amount of 3.29 trillion yuan.

The business volume of bank card inter-bank payment system 20 maintained growth. In this quarter, the interbank payment system of bank cards processed 2138.404 billion transactions, with a total amount of 44.91 trillion yuan, up 11.69% and 0.53% respectively on a month on month basis. The average daily processing business is 417 million, with a total amount of 488.205 billion yuan.

The business volume of bill processing system and payment and clearing system 22 of city commercial banks increased. In this quarter, 1.251 million transactions were processed by the bill processing system and payment and clearing system of city commercial banks, with a value of 190.181 billion yuan, an increase of 7.34% and 8.78% respectively on a month on month basis. The average daily processing business is 13600, and the amount is 2.067 billion yuan.

The number of 23 business transactions in the payment and clearing system of the Bank of rural credit grew rapidly. In this quarter, 384 million transactions were processed by the payment and clearing system of ABC, with a total amount of 724.351 billion yuan, up 34.42% and 4.32% respectively on a month on month basis. The average daily processing business was 4.1778 million, with a total amount of 7.873 billion yuan.

The business volume of RMB cross-border payment system 24 continued to grow. In this quarter, the RMB cross-border payment system handled 512500 transactions with a total amount of 9.43 trillion yuan, up 34.41% and 34.48% respectively year-on-year. The average daily processing business was 776548, with a total amount of 142.901 billion yuan.

The business volume of netlink clearing platform 25 continued to grow. In this quarter, there were 26108.554 billion transactions handled by the Netcom platform, with an amount of 69.01 trillion yuan, up 24.20% and 19.75% respectively on a month on month basis. The average daily processing business is 1.180 billion, with a total amount of 750.58 billion yuan.

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