Mobile payment business grew significantly in the second quarter

The payment statistics of the second quarter of 2016 released by the central bank today show that the mobile payment business has grown significantly. The bill business continued to decline, the per capita consumption of bank cards declined slightly, and the bank card credit scale continued to grow.

The mobile payment business has grown significantly. In the second quarter, banking financial institutions handled a total of 32.322 billion electronic payment services, amounting to 570.95 trillion yuan. Among them, the online payment business was 11.027 billion, with an amount of 474.04 trillion yuan, up 6.05% and 2.11% respectively; the telephone payment business was 4.7 billion, the amount was 2.94 trillion yuan, the number of pens decreased by 54.24%, and the amount increased by 3.12%; Mobile payment services were 6.137 billion, amounting to 29.32 trillion yuan, an increase of 168.46% and 10.20% respectively.

In the second quarter, non-bank payment institutions handled 837.707 billion online payment services, amounting to 23.35 trillion yuan, an increase of 82.51% and 111.12% respectively.

The bill business continued to decline. In the second quarter, there were a total of 70 million bills in the country, amounting to 46.77 trillion yuan, down 32.74% and 21.39% respectively. Among them, the check business was 65.602 million, the amount was 40.98 trillion yuan, down 33.36% and 22.44% respectively; the actual settlement of commercial draft business was 3,951,100, the amount was 5.04 trillion yuan, down 16.17% and 1.76% respectively; bank draft business There were 426,200, with an amount of 252.425 billion yuan, down 29.98% and 37.11% respectively; the bank's promissory business was 576,600, with an amount of 498.602 billion yuan, down 49.80% and 55.95% respectively.

The number of bank card issuance continues to grow. As of the end of the second quarter, the number of cards issued in the country was 5.828 billion, an increase of 15.83% year-on-year and 3.02% quarter-on-quarter. Among them, the number of debit cards used was 5.355 billion, an increase of 16.45% year-on-year and a 2.83% quarter-on-quarter; the number of credit card and loan-to-debt cards issued totaled 473 million, an increase of 9.26% year-on-year and 5.17% quarter-on-quarter. There are 4.25 bank cards per capita in the country, of which 0.31 cards are held per capita. The acceptance environment is constantly improving. As of the end of the second quarter, bank card interbank payment system network connected merchants were 18.312,000, pos machines were 24,452,200, and ATM machines were 906,300, an increase of 1,330,000, 90,500 and 16,500 units respectively from the end of last quarter. The number of bank cards corresponding to each ATM was 6,431, an increase of 4.10% year-on-year. The number of bank cards corresponding to each POS machine was 238, down 14.87% year-on-year.

The per capita consumption of bank cards declined slightly. In the second quarter, the per capita consumption of bank cards reached 9 978.08 yuan, down 3.27% year-on-year; the average amount of bank card consumption was 2347.08 yuan, down 16.29% year-on-year; the average spending amount of bank cards was 1542.32 yuan. , a year-on-year decrease of 24.12%.

The scale of bank card credit continues to grow. As of the end of the second quarter, the total credit amount of bank cards was 8.05 trillion yuan, a year-on-year increase of 25.44%, a year-on-year increase of 7.77%; the credit balance of bank cards was 3.57 trillion yuan, a year-on-year increase of 19.72% and a growth of 6.34%. Bank credit cards have a credit line of RMB 17,000, and the credit utilization rate is 744.33%, a decrease of 2.11 percentage points from the same period of the previous year.

Credit card overdue semi-annual outstanding credit totaled 48.057 billion yuan, up 4.91% quarter-on-quarter, accounting for 1.43% of credit card credit balance, accounting for 0.02 percentage points lower than the end of the first quarter of 2016.