The statistics of payment business in the first quarter of 2017 showed that 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.
Bank card issuance continues to grow
As of the end of the first quarter, the number of cards issued by the national bank cards was 6.263 billion, an increase of 10.69% year-on-year and 2.26% quarter-on-quarter. Among them, the number of debit cards used was 5.773 billion, an increase of 10.84% ​​year-on-year and 2.00% quarter-on-quarter; the number of credit card and loan-to-debt cards issued totaled 490 million, an increase of 8.94% year-on-year and a 5.43% quarter-on-quarter increase. The per capita holding of bank cards is 4.53, of which 0.32 are held by credit cards per capita.
Bank card acceptance environment continues to improve
As of the end of the first quarter, the bank card interbank payment system was connected to 2,131,740 merchants, pos machines and equipment was 2,548,900 units, and ATM machines were 940,600 units, an increase of 645,400, 95,400 units and 16,400 units respectively from the end of the previous quarter. The number of POSs per 10,000 people in the country was 184.34, an increase of 6.66% year-on-year, and the number of ATMs per 10,000 people was 6.80, an increase of 4.16%.
Bank card trading volume continues to grow
In the first quarter, a total of 430.743 billion bank card transactions occurred nationwide, amounting to 196.06 trillion yuan, an increase of 24.79% and 1.95% respectively. Among them, there are 2.428 billion in cash business, the amount is 18.34 trillion yuan; the cash withdrawal business is 4.425 billion, the amount is 18.25 trillion yuan; the transfer business is 12.568 billion, the amount is 144.29 trillion yuan; the consumption business is 11.12 billion, the amount is 15.18 trillion yuan. . The bank card cross-bank consumer business was 53.662 billion, with an amount of 11.80 trillion yuan. The penetration rate of bank cards reached 48.60%, up 0.12 percentage points from the previous month; the per capita consumption of bank cards reached 11,000 yuan, up 11.71% year-on-year; the average amount of bank card consumption was 2 424.37 yuan, up 1.07% year-on-year; The amount was 1342.29 yuan, down 20.68% year-on-year.
Bank card credit scale continues to expand
As of the end of the first quarter, the total credit amount of bank cards was 9.85 trillion yuan, an increase of 7.87% from the previous quarter; the credit balance of bank cards was 4.27 trillion yuan, an increase of 5.12%. Bank credit cards have a credit line of 20,100 yuan and a credit utilization rate of 74.32%. The credit card overdue for half a year was 60.47 billion yuan, a year-on-year increase of 12.89%, accounting for 1.50% of the credit balance of credit card loans, accounting for an increase of 0.10 percentage points from the end of the previous quarter.
In the first quarter, non-bank payment institutions handled 947.90 billion online payment services, amounting to 26.47 trillion yuan, up 60.13% and 42.47% respectively.
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