The overall situation of the payment system operation in the third quarter of 2016 1 The statistical data of the payment business in the third quarter of 2016 showed that the scale of social capital transactions continued to expand, the national payment system operated smoothly, and the payment business volume grew steadily.
1. Non-cash payment
In the third quarter, the country handled a total of 32.813 billion non-cash payment services, amounting to 903.43 trillion yuan, an increase of 33.43% and 5.08% respectively.
(1) Bills
The bill business continued to decline. In the third quarter, there were a total of 71.28 million bills in the country, amounting to 44.39 trillion yuan, down 31.28% and 23.18% respectively. Among them, the check business was 685.862 million, the amount was 39.02 trillion yuan, down 31.75% and 23.18% respectively; the actual settlement of commercial draft business was 457.37 million, the amount was 4.74 trillion yuan, down 8.56% and 8.31% respectively; bank draft The business was 294,400, with an amount of 190.894 billion yuan, down 34.33% and 43.92% respectively; the bank's promissory business was 499,700, with an amount of 439.395 billion yuan, down 70.63% and 70.60% respectively.
The electronic commercial bill of exchange system business grew rapidly. In the third quarter, the electronic commercial bill of exchange system issued 62,100,000, the amount of 2.21 trillion yuan, an increase of 75.78% and 52.91% respectively; the acceptance of 641,100, the amount of 2.26 trillion yuan, an increase of 76.54% and 51.63% respectively; discounted 22.83 million, the amount of 1.58 trillion yuan, an increase of 75.69% and 64.71% respectively; the discounted 983,800, the amount of 14.22 trillion yuan, an increase of 189.90% and 167.69% respectively.
(2) Bank card
The amount of cards issued has grown steadily. As of the end of the third quarter, the number of cards issued by the national bank cards was 6.015 billion, an increase of 14.53% year-on-year and a growth of 3.21%. Among them, the number of debit cards used was 5.519 billion, an increase of 14.92% year-on-year and 3.06% quarter-on-quarter; the total number of credit card and loan-to-debit cards issued was 496 million, an increase of 10.41% year-on-year and a quarter-on-quarter increase of 4.83%. There are 4.39 bank cards per capita in the country, of which 0.33 cards are held per capita.
The acceptance environment continues to improve. As of the end of the third quarter, there were 2,128,800 merchants of bank card interbank payment systems, 2,602,100 POS machines, and 970,400 ATMs, an increase of 2,936,600, 1,560,000 and 1,100,000 units respectively. The number of bank cards corresponding to each ATM was 6,629, an increase of 6.13% year-on-year. The number of bank cards corresponding to each POS machine was 231, a year-on-year decrease of 12.50%.
Bank card transactions continued to grow. In the third quarter, a total of 30.340 billion bank card transactions occurred nationwide, amounting to 177.72 trillion yuan, an increase of 35.71% and 2.65% respectively. Among them, there are 2.556 billion cash-storing businesses with an amount of 18.12 trillion yuan; 4.558 billion cash withdrawals, amounting to 15.37 trillion yuan; 9.737 billion consumer goods, amounting to 14.31 trillion yuan; 13.48 billion yuan of transfer business, amounting to 129.92 trillion yuan . The number and amount of bank card transfer business accounted for 44.46% and 73.10% of the total bank card business, respectively, accounting for 10.17 percentage points and 0.84 percentage points respectively. The bank card cross-border consumer business was 5.206 billion, with an amount of 12.26 trillion yuan, accounting for 53.46% and 85.66% of the bank card consumption business respectively. The penetration rate of bank cards reached 48.58%, up 0.11 percentage points from the previous month; the per capita consumption of bank cards reached 10,400 yuan, down 0.30% year-on-year; the average amount of bank card consumption was 2,379.19 yuan, down 12.40% year-on-year; The amount was 1 469.81 yuan, down 21.57% year-on-year.
The scale of bank card credit continues to expand. As of the end of the third quarter, the total credit card credit was 8.62 trillion yuan, a year-on-year increase of 27.94%, a sequential increase of 7.02%; the bank card credit balance was 3.78 trillion yuan, an increase of 21.19% year-on-year and a 5.85% quarter-on-quarter increase. Bank credit cards have a credit line of RMB 17,400, and the credit utilization rate is 43.84%, a decrease of 2.44 percentage points from the same period of the previous year. Credit card overdue semi-annual outstanding credit totaled 53.75 billion yuan, an increase of 11.85% from the previous month, accounting for 1.51% of the credit balance of credit card receivables, accounting for 0.08 percentage points higher than the end of the previous quarter.
(3) Other settlement services such as credit transfer
The credit transfer business grew steadily. In the third quarter, there were 2.402 billion other transactions such as credit transfer, direct debit, collection commitment, and domestic letter of credit, amounting to 681.32 trillion yuan, an increase of 7.14% from the previous month, and the amount decreased by 4.98%. Among them, the credit transfer business was 2.041 billion, with an amount of 668.31 trillion yuan, accounting for 84.99% and 98.09% of the total credit transfer, direct debit, collection commitment and domestic letter of credit settlement business.
(4) Electronic payment
The mobile payment business maintained rapid growth. In the third quarter, banking financial institutions handled a total of 36.488 billion electronic payment services, amounting to 519.69 trillion yuan. Among them, the online payment business was 11.607 billion, the amount was 433.93 trillion yuan, up 41.34% and 0.26% respectively; the telephone payment business was 93.164 million, the amount was 5.67 trillion yuan, up 19.10% and 19.18% respectively; mobile payment service 66.29 Billion, the amount of 35.33 trillion yuan, an increase of 45.97% and 94.45% respectively. In the third quarter, non-bank payment institutions handled 44.082 billion online payment services, amounting to 26.34 trillion yuan, up 106.83% and 105.82% respectively.
Second, the payment system
In the third quarter, the payment system handled a total of 15.413 billion payment transactions, amounting to 1,344.34 trillion yuan, and the business amount was 71.00 times the total national GDP in the third quarter. From the perspective of the payment system of the payment system, in the third quarter, the total amount of capital flow within the jurisdiction of the provinces (autonomous regions and municipalities directly under the Central Government) accounted for 48.39% of the total national financial flows; the flow of funds within the jurisdiction of 22 provinces (autonomous regions and municipalities directly under the Central Government) exceeded 50% of the total capital flow of the province (autonomous region, municipality).
(1) People's Bank Payment System
In the third quarter, the People's Bank of China's payment system handled a total of 2.082 billion payment transactions, amounting to 1,027.46 trillion yuan, an increase of 32.53% and 22.14% respectively, accounting for 13.50% and 76.42% of the payment system business and the amount respectively. The average daily processing business was 24,81,100, with an amount of 15.73 trillion yuan.
The volume of large-value real-time payment systems has grown steadily. In the third quarter, large-value real-time payment systems handled 211 million transactions, amounting to 973.90 trillion yuan, up 4.24% and 22.47% respectively. The average daily processing business is 3,245,900, with an amount of 14.98 trillion yuan.
The volume of small-volume payment systems continues to grow. In the third quarter, the small-volume batch payment system handled 609 million transactions, amounting to 7.96 trillion yuan, an increase of 26.07% and 23.17% respectively. The average daily processing business was 661,900, with an amount of 86.524 billion yuan.
The online payment cross-bank clearing system business grew rapidly. In the third quarter, the online payment cross-bank clearing system handled 1.165 billion yuan, amounting to 9.78 trillion yuan, up 48.15% and 37.36% respectively. The average daily processing rate was 1,265,500, with an amount of 1,063.39 billion yuan.
The amount of business in the same city clearing system increased slightly. In the third quarter, the same city clearing system handled 94,500,500 transactions, with an amount of 34.28 trillion yuan, a decrease of 1.79% compared with the same period of last year, and the amount increased by 12.38%. The average daily processing business was 1,454,600, with an amount of 527.446 billion yuan. The volume of domestic and foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. In the third quarter, the domestic and foreign currency payment system handled 505,700 transactions, amounting to US$21.374 billion (equivalent to RMB 1.43 trillion yuan), down 10.19% and 23.45% respectively; the average daily processing business was 7780.75, with an amount of USD 3.284 billion. (equivalent to RMB about 21.932 billion yuan).
The business volume of the national check image exchange system declined slightly. In the third quarter, the national check image exchange system handled 2.0478 million business, with an amount of 205.574 billion yuan, down 11.99% and 7.51% respectively. The average daily processing business is 22,300, with an amount of 1.148 billion yuan.
(2) Payment systems of other institutions
Banking financial institutions' online payment system business grew steadily. In the third quarter, banking financial institutions handled 6.758 billion in-line payment systems, amounting to 296.30 trillion yuan, an increase of 26.29% and 8.65% respectively. The average daily processing business was 7.3461 million, with an amount of 3.22 trillion yuan. Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow. In the third quarter, the bank card interbank payment system handled 6.123 billion yuan, amounting to 17.31 trillion yuan, an increase of 13.93% and 36.19% respectively. The daily average processing business was 6 655,500, with an amount of 188.14 billion yuan.
The city commercial bank bill processing system and payment clearing system have a fast business volume. In the third quarter, the city commercial bank bill processing system and payment clearing system handled 1.0217 million business, with an amount of 2,209.09 billion yuan, up 47.47% and 54.38% respectively. The average daily processing business was 111,000, with an amount of 2.304 billion yuan.
The business volume of the rural credit payment clearing system maintained a high growth. In the third quarter, the rural credit payment clearing system handled 449 million transactions, amounting to 1.37 trillion yuan, an increase of 193.79% and 55.79% respectively. The average daily processing business was 4,875,500, with an amount of 14.869 billion yuan.
The RMB cross-border payment system operated smoothly. In the third quarter, the RMB cross-border payment system handled 190,600 business, amounting to 1.70 trillion yuan, an increase of 74.46% and 261.62% respectively. The daily average processing business is 2,931.75, with an amount of 26.159 billion yuan.
Third, the RMB 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 8.082 billion RMB bank settlement accounts, an increase of 3.18% from the previous month, and the growth rate decreased by 0.48 percentage points from the previous quarter. The number of bank settlement accounts per unit has increased steadily.
The number of bank settlement accounts per unit has increased steadily. As of the end of the third quarter, the country had a total of 48,524,600 bank settlement accounts, accounting for 0.60% of bank settlement accounts; the chain growth was 2.79%, and the growth rate was down by 0.23 percentage points from the end of the previous quarter. Among them, the basic deposit account was 3,169,500, the general deposit account was 13,076,800, the special deposit account was 3,260,300, and the temporary deposit account was 20,400, accounting for 65.68%, 27.14%, 6.76% of the total bank settlement account, respectively. 0.42%. In the quarter, the national basic deposit account increased by 1.192 million, the general deposit account increased by 65,200, the special deposit account increased by 52,700, and the temporary deposit account decreased by 0.09 million.
The number of personal bank settlement accounts continued to grow steadily. As of the end of the third quarter, the country had opened a total of 8.034 billion personal bank settlement accounts, accounting for 99.40% of bank settlement accounts, an increase of 3.19% from the previous month, and the growth rate decreased by 0.47 percentage points from the end of the previous quarter.
1. Non-cash payment
In the third quarter, the country handled a total of 32.813 billion non-cash payment services, amounting to 903.43 trillion yuan, an increase of 33.43% and 5.08% respectively.
(1) Bills
The bill business continued to decline. In the third quarter, there were a total of 71.28 million bills in the country, amounting to 44.39 trillion yuan, down 31.28% and 23.18% respectively. Among them, the check business was 685.862 million, the amount was 39.02 trillion yuan, down 31.75% and 23.18% respectively; the actual settlement of commercial draft business was 457.37 million, the amount was 4.74 trillion yuan, down 8.56% and 8.31% respectively; bank draft The business was 294,400, with an amount of 190.894 billion yuan, down 34.33% and 43.92% respectively; the bank's promissory business was 499,700, with an amount of 439.395 billion yuan, down 70.63% and 70.60% respectively.
The electronic commercial bill of exchange system business grew rapidly. In the third quarter, the electronic commercial bill of exchange system issued 62,100,000, the amount of 2.21 trillion yuan, an increase of 75.78% and 52.91% respectively; the acceptance of 641,100, the amount of 2.26 trillion yuan, an increase of 76.54% and 51.63% respectively; discounted 22.83 million, the amount of 1.58 trillion yuan, an increase of 75.69% and 64.71% respectively; the discounted 983,800, the amount of 14.22 trillion yuan, an increase of 189.90% and 167.69% respectively.
(2) Bank card
The amount of cards issued has grown steadily. As of the end of the third quarter, the number of cards issued by the national bank cards was 6.015 billion, an increase of 14.53% year-on-year and a growth of 3.21%. Among them, the number of debit cards used was 5.519 billion, an increase of 14.92% year-on-year and 3.06% quarter-on-quarter; the total number of credit card and loan-to-debit cards issued was 496 million, an increase of 10.41% year-on-year and a quarter-on-quarter increase of 4.83%. There are 4.39 bank cards per capita in the country, of which 0.33 cards are held per capita.
The acceptance environment continues to improve. As of the end of the third quarter, there were 2,128,800 merchants of bank card interbank payment systems, 2,602,100 POS machines, and 970,400 ATMs, an increase of 2,936,600, 1,560,000 and 1,100,000 units respectively. The number of bank cards corresponding to each ATM was 6,629, an increase of 6.13% year-on-year. The number of bank cards corresponding to each POS machine was 231, a year-on-year decrease of 12.50%.
Bank card transactions continued to grow. In the third quarter, a total of 30.340 billion bank card transactions occurred nationwide, amounting to 177.72 trillion yuan, an increase of 35.71% and 2.65% respectively. Among them, there are 2.556 billion cash-storing businesses with an amount of 18.12 trillion yuan; 4.558 billion cash withdrawals, amounting to 15.37 trillion yuan; 9.737 billion consumer goods, amounting to 14.31 trillion yuan; 13.48 billion yuan of transfer business, amounting to 129.92 trillion yuan . The number and amount of bank card transfer business accounted for 44.46% and 73.10% of the total bank card business, respectively, accounting for 10.17 percentage points and 0.84 percentage points respectively. The bank card cross-border consumer business was 5.206 billion, with an amount of 12.26 trillion yuan, accounting for 53.46% and 85.66% of the bank card consumption business respectively. The penetration rate of bank cards reached 48.58%, up 0.11 percentage points from the previous month; the per capita consumption of bank cards reached 10,400 yuan, down 0.30% year-on-year; the average amount of bank card consumption was 2,379.19 yuan, down 12.40% year-on-year; The amount was 1 469.81 yuan, down 21.57% year-on-year.
The scale of bank card credit continues to expand. As of the end of the third quarter, the total credit card credit was 8.62 trillion yuan, a year-on-year increase of 27.94%, a sequential increase of 7.02%; the bank card credit balance was 3.78 trillion yuan, an increase of 21.19% year-on-year and a 5.85% quarter-on-quarter increase. Bank credit cards have a credit line of RMB 17,400, and the credit utilization rate is 43.84%, a decrease of 2.44 percentage points from the same period of the previous year. Credit card overdue semi-annual outstanding credit totaled 53.75 billion yuan, an increase of 11.85% from the previous month, accounting for 1.51% of the credit balance of credit card receivables, accounting for 0.08 percentage points higher than the end of the previous quarter.
(3) Other settlement services such as credit transfer
The credit transfer business grew steadily. In the third quarter, there were 2.402 billion other transactions such as credit transfer, direct debit, collection commitment, and domestic letter of credit, amounting to 681.32 trillion yuan, an increase of 7.14% from the previous month, and the amount decreased by 4.98%. Among them, the credit transfer business was 2.041 billion, with an amount of 668.31 trillion yuan, accounting for 84.99% and 98.09% of the total credit transfer, direct debit, collection commitment and domestic letter of credit settlement business.
(4) Electronic payment
The mobile payment business maintained rapid growth. In the third quarter, banking financial institutions handled a total of 36.488 billion electronic payment services, amounting to 519.69 trillion yuan. Among them, the online payment business was 11.607 billion, the amount was 433.93 trillion yuan, up 41.34% and 0.26% respectively; the telephone payment business was 93.164 million, the amount was 5.67 trillion yuan, up 19.10% and 19.18% respectively; mobile payment service 66.29 Billion, the amount of 35.33 trillion yuan, an increase of 45.97% and 94.45% respectively. In the third quarter, non-bank payment institutions handled 44.082 billion online payment services, amounting to 26.34 trillion yuan, up 106.83% and 105.82% respectively.
Second, the payment system
In the third quarter, the payment system handled a total of 15.413 billion payment transactions, amounting to 1,344.34 trillion yuan, and the business amount was 71.00 times the total national GDP in the third quarter. From the perspective of the payment system of the payment system, in the third quarter, the total amount of capital flow within the jurisdiction of the provinces (autonomous regions and municipalities directly under the Central Government) accounted for 48.39% of the total national financial flows; the flow of funds within the jurisdiction of 22 provinces (autonomous regions and municipalities directly under the Central Government) exceeded 50% of the total capital flow of the province (autonomous region, municipality).
(1) People's Bank Payment System
In the third quarter, the People's Bank of China's payment system handled a total of 2.082 billion payment transactions, amounting to 1,027.46 trillion yuan, an increase of 32.53% and 22.14% respectively, accounting for 13.50% and 76.42% of the payment system business and the amount respectively. The average daily processing business was 24,81,100, with an amount of 15.73 trillion yuan.
The volume of large-value real-time payment systems has grown steadily. In the third quarter, large-value real-time payment systems handled 211 million transactions, amounting to 973.90 trillion yuan, up 4.24% and 22.47% respectively. The average daily processing business is 3,245,900, with an amount of 14.98 trillion yuan.
The volume of small-volume payment systems continues to grow. In the third quarter, the small-volume batch payment system handled 609 million transactions, amounting to 7.96 trillion yuan, an increase of 26.07% and 23.17% respectively. The average daily processing business was 661,900, with an amount of 86.524 billion yuan.
The online payment cross-bank clearing system business grew rapidly. In the third quarter, the online payment cross-bank clearing system handled 1.165 billion yuan, amounting to 9.78 trillion yuan, up 48.15% and 37.36% respectively. The average daily processing rate was 1,265,500, with an amount of 1,063.39 billion yuan.
The amount of business in the same city clearing system increased slightly. In the third quarter, the same city clearing system handled 94,500,500 transactions, with an amount of 34.28 trillion yuan, a decrease of 1.79% compared with the same period of last year, and the amount increased by 12.38%. The average daily processing business was 1,454,600, with an amount of 527.446 billion yuan. The volume of domestic and foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. The volume of domestic foreign currency payment system decreased. In the third quarter, the domestic and foreign currency payment system handled 505,700 transactions, amounting to US$21.374 billion (equivalent to RMB 1.43 trillion yuan), down 10.19% and 23.45% respectively; the average daily processing business was 7780.75, with an amount of USD 3.284 billion. (equivalent to RMB about 21.932 billion yuan).
The business volume of the national check image exchange system declined slightly. In the third quarter, the national check image exchange system handled 2.0478 million business, with an amount of 205.574 billion yuan, down 11.99% and 7.51% respectively. The average daily processing business is 22,300, with an amount of 1.148 billion yuan.
(2) Payment systems of other institutions
Banking financial institutions' online payment system business grew steadily. In the third quarter, banking financial institutions handled 6.758 billion in-line payment systems, amounting to 296.30 trillion yuan, an increase of 26.29% and 8.65% respectively. The average daily processing business was 7.3461 million, with an amount of 3.22 trillion yuan. Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow Bank card interbank payment system business volume continues to grow. In the third quarter, the bank card interbank payment system handled 6.123 billion yuan, amounting to 17.31 trillion yuan, an increase of 13.93% and 36.19% respectively. The daily average processing business was 6 655,500, with an amount of 188.14 billion yuan.
The city commercial bank bill processing system and payment clearing system have a fast business volume. In the third quarter, the city commercial bank bill processing system and payment clearing system handled 1.0217 million business, with an amount of 2,209.09 billion yuan, up 47.47% and 54.38% respectively. The average daily processing business was 111,000, with an amount of 2.304 billion yuan.
The business volume of the rural credit payment clearing system maintained a high growth. In the third quarter, the rural credit payment clearing system handled 449 million transactions, amounting to 1.37 trillion yuan, an increase of 193.79% and 55.79% respectively. The average daily processing business was 4,875,500, with an amount of 14.869 billion yuan.
The RMB cross-border payment system operated smoothly. In the third quarter, the RMB cross-border payment system handled 190,600 business, amounting to 1.70 trillion yuan, an increase of 74.46% and 261.62% respectively. The daily average processing business is 2,931.75, with an amount of 26.159 billion yuan.
Third, the RMB 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 8.082 billion RMB bank settlement accounts, an increase of 3.18% from the previous month, and the growth rate decreased by 0.48 percentage points from the previous quarter. The number of bank settlement accounts per unit has increased steadily.
The number of bank settlement accounts per unit has increased steadily. As of the end of the third quarter, the country had a total of 48,524,600 bank settlement accounts, accounting for 0.60% of bank settlement accounts; the chain growth was 2.79%, and the growth rate was down by 0.23 percentage points from the end of the previous quarter. Among them, the basic deposit account was 3,169,500, the general deposit account was 13,076,800, the special deposit account was 3,260,300, and the temporary deposit account was 20,400, accounting for 65.68%, 27.14%, 6.76% of the total bank settlement account, respectively. 0.42%. In the quarter, the national basic deposit account increased by 1.192 million, the general deposit account increased by 65,200, the special deposit account increased by 52,700, and the temporary deposit account decreased by 0.09 million.
The number of personal bank settlement accounts continued to grow steadily. As of the end of the third quarter, the country had opened a total of 8.034 billion personal bank settlement accounts, accounting for 99.40% of bank settlement accounts, an increase of 3.19% from the previous month, and the growth rate decreased by 0.47 percentage points from the end of the previous quarter.
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