The central bank today released the “General Report on the Operation of the Payment System in the Second Quarter of 2017â€. The report shows that the total amount of electronic banking payments in the second quarter of 2017 was 545.58 trillion yuan, a decrease of 25.37 trillion yuan compared with the same period of the previous year, while Alipay and WeChat paid in the same period. The non-bank payment represented by the company increased by 35%, and the payment in the second quarter of 2017 was nearly 31.5 trillion yuan.
Emerging third-party payments squeeze the banking market space
According to the central bank's report, in the second quarter of 2017, banking financial institutions handled a total of 36.247 billion electronic payment services, amounting to 545.58 trillion yuan. This figure was 570.95 trillion yuan in the same period last year, a decrease of about 4.4% year-on-year.
From the perspective of various types of payment by banks, the online payment business was 11.777 billion, with an amount of 473.39 trillion yuan, a year-on-year decrease of 0.14%; the telephone payment business was 39.596 million, the amount was 2.2 trillion yuan, and the amount decreased by 25.02%; the mobile payment service 86.22 Billion, the amount of 39.24 trillion yuan, an increase of 33.84%.
In fact, in addition to the significant year-on-year reduction in telephone payments, the payment amount of POS, ATM and other electronic payment channels also dropped significantly, with a drop of about 50%, from more than 60 trillion yuan to about 30 trillion yuan.
Non-bank payments represented by Alipay and WeChat payment grew rapidly. According to the authoritative data of the central bank, in the second quarter of 2017, non-bank payment institutions handled 63.29 billion online payment services, amounting to 31.49 trillion yuan, and the amount paid in the same period last year was 23.35 trillion yuan, a significant increase of 34.87%.
Total quarterly payment is close to 950 trillion
Overall, the national non-cash payment showed sustained growth. In the second quarter, the amount of 949.82 trillion yuan increased by 1.02% year-on-year.
The amount of bank card issuance has maintained a steady growth. As of the end of the second quarter, the number of cards issued in the country was 6.347 billion, an increase of 8.9%. Among them, the number of debit cards used was 5.828 billion, an increase of 8.82% year-on-year; the number of credit card and loan combined cards used was 520 million, an increase of 9.82%. The per capita holding of bank cards is 4.59, of which 0.34 are held by credit cards per capita.
Bank card trading volume continues to grow. In the second quarter of 2017, a total of 34.054 billion bank card transactions occurred nationwide, amounting to 183.18 trillion yuan, an increase of 33.14% and 3.79% respectively.
The scale of bank card credit continued to expand in the second quarter of 2017. As of the end of the second quarter, the total credit amount of bank cards was 10.84 trillion yuan, an increase of 10.05% from the previous month; the credit balance of bank cards was 4.69 trillion yuan, an increase of 9.83% from the previous month.
Bank credit cards have a credit line of 20,900 yuan and a credit utilization rate of 43.24%. The credit card overdue for half a year was 65.069 billion yuan, an increase of 7.6% from the previous month and 1.47% of the credit balance of credit card receivables.
The bank card acceptance environment continued to improve. As of the end of the second quarter, there were 24,198,400 merchants of bank card interbank payment systems, 289,900 POS machines, and 943,500 ATMs, an increase of 2,881,100, 3,150,400, and 0.29 million units respectively. The number of POSs per 10,000 people in the country was 209.73, an increase of 17.60% year-on-year, and the number of ATMs per 10,000 people was 6.82, an increase of 6.61%.
In the second quarter, the payment system handled a total of 18.495 billion payment services, amounting to 1 302.09 trillion yuan, an increase of 34.27% and 3.32% respectively.
In the second quarter, the People's Bank of China's payment system handled a total of 2.917 billion payment transactions, amounting to 951.43 trillion yuan, an increase of 57.35% and 0.38% respectively, accounting for 15.77% and 73.07% of the payment system business and the amount respectively. The average daily processing business is 3,365,300, with an amount of 15.23 trillion yuan.
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