Maximum: 8 bank accounts per capita.09 households

Maximum: 8 bank accounts per capita.09 households
Sauna Night News March 17, introduced the general situation of the 2019 payment system operation.The statistics of the payment business in 2019 show that the payment systems of various countries are operating steadily, the scale of social capital transactions is continuously expanding, and the volume of payment business has maintained steady growth.First, the number of bank accounts has grown steadily.As of the end of 2019, 113 bank accounts have been opened nationwide.5.2 billion households, an annual increase of 12.07%, the growth rate increased by 2 compared with the end of last year.24 digits.The number of bank accounts of the unit maintained an overall increase.As of the end of 2019, a total of 6,836 unit bank accounts have been opened nationwide.870,000 households, an annual increase of 11.73%, the growth rate increased by 0 compared with the end of last year.15 averages.Among them, the basic deposit account 4913.610,000 households and 1527 general deposit accounts.970,000 households, special deposit account 377.220,000 households, temporary deposit account 18.06 million households, accounting for 71% of the total bank account of the unit.87%, 22.35%, 5.52% and 0.26%.Basic deposit accounts, general deposit accounts, and special deposit accounts increased by 13 respectively.35%, 8.53% and 5.53%, the temporary deposit account dropped by 2 each year.68%.The number of personal bank accounts increased steadily.As of the end of 2019, a total of 112 personal bank accounts have been opened nationwide.8.4 billion households, an annual increase of 12.07%, the growth rate increased by 2 compared with the end of last year.25 averages.There are 8 bank accounts per capita.09 households.Second, non-cash payment business In 2019, banks across the country handled a total of 3310 non-cash payment business.1.9 billion, with an amount of 3779.49 trillion, an annual increase of 50.25% and 0.29%.(1) The volume of bank card issuance maintained steady growth.As of the end of 2019, the number of bank card issuances in use nationwide was 84.1.9 billion, an increase of 10 in ten years.82%.Among them, the number of debit cards in use is 76.7.3 billion, an annual increase of 11.02%; the total number of in-use issuance of credit cards and loans is 7.4.6 billion, an annual increase of 8.78%.The number of debit card in-use issuance accounts for 91% of bank card in-use issuance.14%, an increase from the end of last year.Bankcards per capita nationwide6.03 cards, growing by 10 every year.40%.Among them, per capita holds a credit card and a debit card 0.53 cards, an annual increase of 8.36%.The number of bank card payment terminals has declined.As of the end of 2019, the online merchants of bank card inter-bank payment system 2362.960,000 households with 3089 online POS machines.280,000 units, 109 ATM machines.770,000 units, a year-on-year decrease of 370.440,000 households, 325.540,000 units and 1.310,000 units.The number of POS machines per 10,000 people nationwide is 221.39 units, down 9 every year.88%, the number of ATMs per 10,000 people is 7.87 units, down by 1 every year.56%.Bank card transaction volume continued to grow.In 2019, there were 3219 bank card transactions nationwide.8.9 billion, with an amount of 886.39 trillion, an increase of 53 each year.07% and 2.82%, average daily 8.8.2 billion, amount 2.43 trillion yuan.Among them, there are 70.85 billion pens, amount 52.88 trillion, down 9 each year.90% and 11.90%; cash out 113.85 billion, with an amount of 51.65 trillion yuan, down 19 each year.18% and 12.31%; transfer business 1447.2.6 billion, with an amount of 664.71 trillion, an annual increase of 60.68% and 2.20%; consumer business 1587.9.2 billion, with an amount of 117.15 trillion, an increase of 61 each year.48% and 26.30%.Preliminary bank card penetration 49.03%, an increase of 0 from the previous year.06 foreign countries.The average consumption amount of bank cards is 1.390,000 yuan, an annual increase of 13.97%; the average consumption of bank cards and pens is 737.76 yuan, down 21 every year.79%.The scale of bank card credit continued to grow.As of the end of 2019, the total amount of bank card credits was 17.37 trillion yuan, an annual increase of 12.78%; bank card repayable credit balance is 7.59 trillion, an increase of 10 in ten years.73%.The credit limit of bank cards is 2.330,000 yuan, with a credit utilization rate of 43.70%.The total credit outstanding of the credit card overdue for half a year is 742.66 trillion, accounting for 0 of the credit balance repayable by credit cards.98%.(2) The business volume of bills and bills generally maintained a downward trend.In 2019, there was a total of 1 bill business nationwide.90 billion, with an amount of 133.81 trillion, down 14 each year.46% and 10.11%.Among them, check business 1.6.8 billion, with an amount of 114.74 trillion, down by 16 each year.73% and 12.72%; actual settlement of commercial bills business 2106.780,000 pens, amount 18.25 trillion, an increase of 11 each year.32% and 12.58%; bank draft business 23.310,000, with an amount of 1759.6.7 billion, down by 12 each year.88% and 10.67%; bank promissory note business 68.780,000, the amount is 6419.4.7 billion, down by 40 each year.78% and 34.83%.The business volume of the electronic commercial bill of exchange system maintained growth.In 2019, the electronic commercial draft system issued a bill in 1990.210,000, with an amount of 19.50 trillion yuan, an increase of 37 each year.19% and 16.11%; acceptance 2030.320,000, with an amount of 19.96 trillion, an increase of 36 each year.32% and 16.11%; discount 677.220,000, with an amount of 12.38 trillion, an increase of 61 each year.53% and 27.28%; rediscount 838.90,000 pens, amount 38.75 trillion, an increase of 20 each year.20% and 12.49%.Pledged repo 110.530,000, with an amount of 12.01 trillion, an increase of 95 each year.48% and 94.97%.(3) Credit settlement and other settlement business Credit settlement and other settlement business amount remained stable.In 2019, there were a total of credit transfers, direct debits, collection commitments, domestic letters of credit and other businesses in banking institutions across the country4.1 billion, down by 9 every year.15%, amount 2759.28 trillion, an increase of 0 in ten years.06%.Among them, credit transfer business83.8.5 billion, with an amount of 2706.20 trillion.(4) The growth rate of electronic payment mobile payment business is relatively fast.In 2019, banks handled a total of 2233 electronic payment services.8.8 billion, with an amount of 2,607.04 trillion.Among them, online payment business 781.85 billion, with an amount of 2134.84 trillion yuan, an increase of 37 each year.14% and 0.40%; mobile payment business 1014.3.1 billion, with an amount of 347.11 trillion, an increase of 67 each year.57% and 25.13%; telephone payment business 1.7.6 billion, amount 9.67 trillion yuan, an increase of 11 each year.12% and 25.94%.In 2019, non-bank payment institutions experienced 7199 online payment services.9.8 billion, with an amount of 249.88 trillion, an increase of 35 each year.69% and 20.10%.Third, the payment system In 2019, the payment system handled a total of 5685 payment services.1.2 billion, with an amount of 6902.22 trillion yuan.(1) The People’s Bank Payment System In 2019, the People’s Bank payment system handled a total of 180 payment services.1.7 billion, with an amount of 5212.49 trillion, an increase of 14 each year.68% and 13.35%, accounting for 3 of the number and amount of payment system business, respectively.17% and 75.52%.Daily average processing business 5109.890,000 pens, amount 20.63 trillion.The growth of the business volume of large-value real-time payment systems has accelerated.In 2019, the large-value real-time payment system processes business10.9.4 billion, with an amount of 4,950.72 trillion, an increase of 1 each year.97% and 13.72%.Daily processing of business 437.680,000 pens, amount 19.80 trillion.The business volume of the small batch payment system has grown rapidly.In 2019, the small batch payment system handles business26.2.7 billion, with an amount of 60.58 trillion, an increase of 20 each year.37% and 70.48%.The average daily processing business is 719.860,000, the amount is 1659.6.2 billion yuan.Indicators of growth rate of online payment cross-bank clearing system business volume.In 2019, the online payment inter-bank clearing system will handle 140 businesses.1.1 billion, with an amount of 110.77 trillion, an increase of 15 each year.81% and 24.38%.Daily average business 3838.580,000 pens with an amount of 3034.7.2 billion.The business volume of the same city clearing system maintained a downward trend.In 2019, the same city clearing system will handle business 2 in total.8.2 billion, with an amount of 81.89 trillion, down 20 each year.48% and 26.90%.Daily average business 112.890,000, the amount of 3275.5.2 billion yuan.The amount of domestic and foreign currency payment system business declined slightly.In 2019, domestic and foreign currency payment systems handled a total of 220 businesses.260,000, an increase of 3 per year.16%, processing business amount 1.23 trillion US dollars (equivalent to about 8 yuan.54 trillion), decreasing by 1 every year.twenty two%.The average daily processing business is 8810.21 pens, amount 49.US $ 3.8 billion (equivalent to RMB 341.4 billion).(2) The number of in-bank payment system businesses of other payment systems has dropped significantly.In 2019, the bank’s intra-bank payment system handled a total of 164 businesses.6.9 billion, with an amount of 1,218.69 trillion yuan, down 55 each year.12% and 8.51%.Daily processing business 4512.030,000 pens, amount 3.34 trillion.The business volume of bank card inter-bank payment system increased and penetrated.In 2019, the bank card inter-bank payment system handled a total of 1351 businesses.7.5 billion, with an amount of 173.60 trillion, an annual increase of 280.62% and 44.32%.Daily processing business 3.7 billion, with an amount of 4,756.2.7 billion.The number of business transactions of the city commercial bank bill processing system and payment clearing system dropped significantly.In 2019, the city commercial bank bill processing system and payment clearing system handle business 477.200,000, down 92 each year.42%, amount 7320.$ 8.9 billion, an annual increase of 24.45%.Daily processing business 1.310,000, with an amount of 20.0.6 billion.The business volume of the Rural Credit Bank Payment and Settlement System declined rapidly.In 2019, the Rural Credit Bank Payment and Clearing System will handle business in total.2 billion pens, amount 2.93 trillion, down 84 each year.59% and 65.35%.The average daily processing business is 356.820,000, with an amount of 80.2.3 billion.The business volume of the RMB cross-border payment system continued to grow.In 2019, the RMB cross-border payment system handles business188.430,000, with an amount of 33.93 trillion, an increase of 30 each year.64% and 28.28%.The average daily processing business is 7537.15 pens, the amount is 1357.02 billion.The networked settlement platform runs smoothly.As of the end of 2019, a total of 534 commercial banks and 115 payment institutions have access to the online platform.In 2019, the network clearing platform handled 3975 business.4.2 billion, with an amount of 259.84 trillion.Daily processing business 10.8.9 billion, with an amount of 7118.9.7 billion yuan.Editor Wang Yu