6.58 bank cards across the country, how many do you have?

Zhongxin Jingwei, September 19th, the central bank's official website released the "General Situation of the Operation System Operation System in the Second quarter of 2022" on the 19th, mentioning that as of the end of the second quarter, 6.58 bank cards were held per capita. One card 0.57.

The central bank pointed out that the statistics of payment business in the second quarter of 2022 show that my country's payment system operates smoothly, and data such as bank accounts, non -cash payment business volume, and payment system business have maintained their overall growth.

In terms of bank accounts, the central bank disclosed that the number of bank accounts increased slightly. As of the end of the second quarter, a total of 13.974 billion bank accounts were opened across the country, a month -on -month increase of 0.48%.

The number of unit bank accounts has remained increasing. As of the end of the second quarter, a total of 88.3742 million bank accounts for units across the country increased by 2.67%from the previous month. Among them, the basic deposit accounts are 62,461,200, the general deposit account is 21.1542 million, the special deposit account is 4.566 million, and the temporary deposit account is 192,200, accounting for 70.68%, 23.94%, 5.17%, and 0.22%of the total bank account of the unit.

The growth rate of the number of personal bank accounts has slowed down. As of the end of the second quarter, a total of 13.886 billion personal bank accounts opened across the country, an increase of 0.47%month -on -month.

In terms of non -cash payment business, the central bank introduced that in the second quarter, banks across the country handled a total of 110.456 billion non -cash payment business, with an amount of 116.573 trillion yuan, a year -on -year increase of 6.32%and 7.86%.

Specifically, the number of bank cards is basically stable. As of the end of the second quarter, a total of 9.299 billion bank cards opened across the country, a decrease of 0.21%month -on -month. Among them, the debit card was 8.493 billion yuan, a decrease of 0.28%month -on -month; the credit card and loan one card was 807 million, a month -on -month increase of 0.57%. 6.58 bank cards per capita, of which, per capita holding credit card and lending one card 0.57 cards.

The number of bank card acceptance terminals has decreased. As of the end of the second quarter, the UnionPay cross -bank payment system network special merchants were 27.1827 million, an increase of 68,500 households from the end of the previous quarter. tower. There are 259.83 connected POS equipment per 10,000 people across the country, a decrease of 1.78%month -on -month; 6.48 ATM equipment per 10,000 people across the country have decreased by 2.29%month -on -month.

The volume of bank card trading business has maintained growth. In the second quarter, a total of 107.900 billion strokes in bank card transactions across the country, with a value of 2.4405 trillion yuan, an increase of 6.50%and 1.58%year -on -year. Among them, there were 1.098 billion strokes, with a amount of 7.68 trillion yuan; the cash -out business was 1.510 billion yuan, the amount was 7.13 trillion yuan; the transfer business was 45.169 billion yuan, with an amount of 19.853 trillion yuan; the consumer business was 60.123 billion yuan, the amount was 30.71 trillion yuan Essence Bank card penetration rate was 49.20%, an increase of 0.01 percentage points from the previous quarter. The average consumption amount of bank card cards is 3301.84 yuan, and the average consumption amount is 510.70 yuan.

The total credit of the bank card is basically stable. As of the end of the second quarter, the total credit of the bank card was 2.175 trillion yuan, an increase of 1.29%month -on -month; the bank card credit credit balance was 8.66 trillion yuan, an increase of 2.35%from the previous month. The average credit line of bank cards was 27 million yuan, and the credit use rate was 939.81%. The total amount of credit cards had been overdue for half a year, and the total amount of credit was 84.285 billion yuan, a decrease of 8.49%month -on -month, accounting for 0.98%of the credit card for credit card.

In terms of bills, the volume of bills has maintained a downward trend. In the second quarter, a total of 23.706 million strokes in the country's bills, the amount of 24.70 trillion yuan, a year -on -year decrease of 26.20%and 11.40%, respectively. Among them, the check business was 16.6426 million, with an amount of 1857 trillion yuan, a year -on -year decrease of 34.66%and 16.09%. 3.56 million, the amount was 29.025 billion yuan, a year -on -year increase of 13.27%and 15.38%respectively; the bank's ticket business was 39,400, with an amount of 60.246 billion yuan, a year -on -year decrease of 36.93%and 31.67%.

The business volume of e -commerce billing systems has maintained an increase.二季度，上海票据交易所电子商业汇票系统出票642.68万笔，金额6.97万亿元，同比分别增长0.03%和15.85%；承兑652.67万笔，同比下降0.36%，金额7.08万亿元，同比增长15.15%; discounting 2.939 million strokes, 5.42 trillion yuan, an increase of 20.51%and 37.01%year -on -year respectively; 5.8072 million transactions were reposting, with an amount of 17.41 trillion yuan, an increase of 63.95%and 35.16%year -on -year respectively; The amount, the amount of 7.22 trillion yuan, an increase of 25.02%and 24.52%year -on -year; the buyout repurchase of 84,500 strokes, the amount of 516.990 billion yuan, a year -on -year increase of 24.53%and 23.82%.

Regarding other settlement businesses such as loan transfer transfers, the central bank pointed out that other settlement services such as loan transfers have maintained growth. In the second quarter, a total of 2.531 billion strokes in loan transfer, direct debit, acceptance of acceptance, and domestic credit settlement settlement business decreased by 0.54%year -on -year, with an amount of 89.698 trillion yuan, an increase of 10.37%year -on -year. Among them, the loan record transfer business was 2.439 billion yuan, with an amount of 87.957 trillion yuan. Regarding electronic payment, the central bank stated that the volume of electronic payment business of commercial banks was basically stable. In the second quarter, banks handled 68.099 billion electronic payment business, with a amount of 75.433 trillion yuan, a year -on -year increase of 1.05%and 1.15%, respectively. Among them, the online payment business was 25.098 billion, a year -on -year decrease of 0.37%, the amount of 612.77 trillion yuan, a year -on -year increase of 1.25%; the mobile payment business was 38.523 billion, with a amount of 12.158 trillion yuan, an increase of 4.09%and 3.80%year -on -year; RMB 62 million, a year -on -year decrease of 415%, the amount of 2.88 trillion yuan, a year -on -year increase of 5.23%.

In the second quarter, non -bank payment institutions handled 255.521 billion yuan in network payment business, with a value of 78.53 trillion yuan, a year -on -year decrease of 2.04%and 10.08%, respectively.

Regarding the payment system, the central bank said that in the second quarter, the payment system handled a total of 258.121 billion yuan, with a amount of 27.4247 trillion yuan, a year -on -year increase of 14.69%and 19.07%.

First, the General Center of the People's Bank of China Clearance Center. In the second quarter, the People's Bank of China Calculation Center system handled 5.148 billion yuan, a year -on -year decrease of 6.51%, and the amount was 2011.67 trillion yuan, an increase of 23.56%year -on -year. The average daily processing business is 57.0975 million, with an amount of 3.189 trillion yuan.

The business amount of large -time real -time payment systems has steadily increased. In the second quarter, the large -time real -time payment system handled 101 million strokes, a year -on -year decrease of 13.10%, and the amount was 18.9926 trillion yuan, a year -on -year increase of 25.03%. The average daily processing business was 1.6325 million, with an amount of 3.063 trillion yuan.

The business volume of small batch payment systems has increased slightly. In the second quarter, the small -scale payment system handled 1.018 billion yuan, with a amount of 4.16 trillion yuan, an increase of 4.44%and 5.55%year -on -year. The average daily processing business was 11.1887 million, with an amount of 452.306 billion yuan.

The business amount of online payment cross -line clearing systems is basically stable. In the second quarter, the online payment cross -line liquidation system handling business was 4.028 billion, a year -on -year decrease of 8.76%, and the amount was 67.05 trillion yuan, a year -on -year increase of 0.44%. The average daily processing business is 44.2585 million, with a amount of 736.774 billion yuan.

The business volume of domestic and foreign currency payment systems has maintained an increase. In the second quarter, the domestic and foreign currency payment system handled 11.698 million strokes, with an amount of US $ 627.635 billion (about 4.21 trillion yuan), an increase of 23.46%and 19.85%year -on -year. The average daily processing business is 18,900, with an amount of 1.0123 billion US dollars (equivalent to about 67.941 billion yuan).

The second is other payment systems, and the business amount of business systems in commercial banks has increased slightly. In the second quarter, the business system's business system's business system handling business was 4.555 billion yuan, a year -on -year decrease of 0.17%, and the amount was 5.4109 trillion yuan, a year -on -year increase of 10.87%. The average daily processing business is 50.539 million, with a amount of 5.95 trillion yuan.

The business volume of UnionPay cross -bank payment system has increased steadily. In the second quarter, the UnionPay cross -bank payment system handled 61.595 billion yuan, with an amount of 61.71 trillion yuan, an increase of 19.89%and 12.68%year -on -year. The average daily processing business is 677 million, with an amount of 678.098 billion yuan.

The business volume of urban silver liquidation payment and clearing system continues to increase. In the second quarter, the city banking clearing payment and clearing system handled 5.784 million strokes, with a amount of 555.321 billion yuan, a year -on -year increase of 48.09%and 22.01%, respectively. The average daily processing business is 63,600, with an amount of 6102 million yuan.

The number of business pens of Agricultural Credit and Silver Payment System has maintained an increase. In the second quarter, the agricultural credit and silver payment liquidation system handled 1.043 billion, an increase of 60.99%year -on -year, and the amount was 759.652 billion yuan, a year -on -year decrease of 6.33%. The average daily processing business was 11.4581 million, with an amount of 8.348 billion yuan.

The business volume of RMB cross -border payment systems has maintained an increase. In the second quarter, the RMB cross -border payment system handled 10.01 million strokes, with a amount of 2.285 trillion yuan, a year -on -year increase of 25.34%and 19.39%, respectively. The average daily processing business was 16,300, with an amount of 368.528 billion yuan.

The number of business pens of the network liquidation platform has remained increasing. In the second quarter, the network -connected clearing platform handling business was 185.773 billion yuan, an increase of 14.00%year -on -year, and the amount was 10.383 trillion yuan, a year -on -year decrease of 7.27%. The average daily processing business is 2.041 billion yuan, with an amount of 1.14 trillion yuan. (Zhongxin Jingwei APP)

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