2009年中国银行支付业务数据报告 >> 水清木华研究中心

　　2009年前三季度，支付体系保持平稳高效运行。从支付业务数据来看，社会经济活动更加活跃，资金交易规模持续扩大，支付业务量保持快速增长势头，金额创下季度历史新高。支付体系运行状况直接反映了当前我国国民经济企稳回升势头逐步增强、投资快速增长、消费需求扩大、对外贸易降幅收窄的发展趋势。支付信息在衡量国民经济运行状况中的重要作用日益明显。

　　2009年第三季度，我国经济活跃程度稳步提升，社会资金往来规模持续扩大，支付系统处理的资金量同比快速增长，业务金额创历史新高。

图：2007-2009年支付系统业务金额季度统计及走势图（单位：万亿元）

来源：中国人民银行；整理：水清木华研究中心

　　银行卡发卡机构继续增加、发卡量增长较快；借记卡发卡量增速加快，信用卡发卡量增速持续下降。截至2009年第三季度末，加入银联网络的成员机构252家，较第二季度末增加 5家。其中，境内成员机构210家，境外成员机构42家。同时，银行卡受理环境也持续改善，有力促进了银行卡的广泛应用。截至2009年第三季度末，银行卡跨行支付系统联网商户147.25万户，联网POS机具227.34万台，ATM19.96万台，较2009年第二季度末分别增加12.21万户、16.33万台和 0.99万台。

图：2008-2009年联网POS机数季度统计及走势图（单位：万台）

来源：中国人民银行；整理：水清木华研究中心

　　本数据报告依据国家统计局、中国人民银行等权威统计数据。主要针对2009年中国银行支付系统、非现金支付业务、银行结算业务和银行卡业务等几个方面，提供了大量翔实可靠的统计数据。以期为相关研究机构及投资机构提供客观准确的数据信息。此外在本报告基础上，本中心还将对报告中数据每月进行更新，为用户提供及时的数据参考。

During Q1-Q3 2009, payment system kept running in a steady and efficient way. According to the figures on payment business, the social and economic activities were even more brisk and the funding transactions were further expanding. These all contributed to the soaring volume of payment business, creating an all-time high in terms of payment value. The active operation of payment system directly reflected development trend in China including strengthened economy recovery momentum, hefty growth in investment, expanded consumption demand and squeezing foreign trade. Therefore, the payment information is playing a more and more important role to measure the operation situation of national economy operation.

In 2009Q3, China‘s economy sustained growth gradually. Moreover, the social capita dealings further scaled up and the total capital handled in payment system increased rapidly year on year with a new high business value.

Quarterly Business Value in Payment System, 2007-2009
(Unit: RMB trillion)

Source: People's Bank of China; ResearchinChina

With more bank card issuers are emerging, and then the number of bank card holders is also enlarging rapidly. In addition, the debit card issuing is accelerating, while credit card is continually decreased. By the end of the third quarter of 2009, there had been 252 Unionpay members, 5 more than the end of the second quarter of the same year. Of these, some 210 were domestic institutions while 42 were overseas institutions. Meanwhile, bank cards accepted environment has increasingly improved, promoting the wide application of bank cars. By the end of the third quarter of 2009, there were 1.4725 million users handing their business through interbank payment system, 2.2734 million POS equipments and 199,600 ATMs, respectively up 122,100 users, 163,300 sets and 9,900 sets quarter-on-quarter.

Based on the authoritative sources from NBS (National Bureau of Statistics) and People's Bank of China, the report has made a depth analysis on several aspects including bank payment system in China, non-cash payment business, bank card settlement business and bank car business in order to provide objective and accurate information for relevant research and investment institutions. Besides that, we will provide updated version of the report by month for your reference timely.

图：2007-2009年支付系统业务笔数季度统计及走势图
图：2007-2009年支付系统业务金额季度统计及走势图
图：2007-2009年大额实时支付系统业务笔数季度统计及走势图
图：2007-2009年大额实时支付系统业务金额季度统计及走势图
图：2007-2009年小额批量支付系统业务笔数季度统计及走势图
图：2007-2009年小额批量支付系统业务金额季度统计及走势图
图：2007-2009年同城票据清算系统业务笔数季度统计及走势图
图：2007-2009年同城票据清算系统业务金额季度统计及走势图
图：2007-2009年银行金融机构内支付系统业务笔数季度统计及走势图
图：2007-2009年银行金融机构内支付系统业务金额季度统计及走势图
图：2007-2009年银行卡跨行支付系统业务笔数季度统计及走势图
图：2007-2009年银行卡跨行支付系统业务金额季度统计及走势图
图：2007-2009年非现金支付业务笔数季度统计及走势图
图：2007-2009年非现金支付业务金额季度统计及走势图
图：2007-2009年票据支付业务笔数季度统计及走势图
图：2007-2009年票据支付业务金额季度统计及走势图
图：2008-2009年国有银行票据支付业务笔数季度统计及走势图
图：2008-2009年国有银行票据支付业务金额季度统计及走势图
图：2008-2009年股份制银行票据支付业务笔数季度统计及走势图
图：2008-2009年股份制银行票据支付业务金额季度统计及走势图
图：2007-2009年支票支付业务笔数季度统计及走势图
图：2007-2009年支票支付业务金额季度统计及走势图
图：2007-2009年商业汇票支付业务笔数季度统计及走势图
图：2007-2009年商业汇票支付业务金额季度统计及走势图
图：2007-2009年银行承兑汇票支付业务笔数季度统计及走势图
图：2007-2009年银行承兑汇票支付业务金额季度统计及走势图
图：2007-2009年银行卡支付业务笔数季度统计及走势图
图：2007-2009年银行卡支付业务金额季度统计及走势图
图：2007-2009年汇兑、委托收款支付业务笔数季度统计及走势图
图：2007-2009年汇兑、委托收款支付业务金额季度统计及走势图
图：2007-2009年汇兑支付业务笔数季度统计及走势图
图：2007-2009年汇兑支付业务金额季度统计及走势图
图：2007-2009年银行结算账户数季度统计及走势图
图：2007-2009年银行单位结算账户数季度统计及走势图
图：2007-2009年银行个人结算账户数季度统计及走势图
图：2007-2009年银行单位基本存款结算账户数季度统计及走势图
图：2007-2009年银行单位一般存款结算账户数季度统计及走势图
图：2007-2009年银行单位专用存款结算账户数季度统计及走势图
图：2007-2009年银行单位临时存款结算账户数季度统计及走势图
图：2009年第二季度银行单位结算账户构成比例统计图
图：2008-2009年银联网络发卡机构数季度统计及走势图
图：2008-2009年境内银联网络发卡机构数季度统计及走势图
图：2008-2009年境外银联网络发卡机构数季度统计及走势图
图：2008-2009年银行卡跨行支付系统联网商户数季度统计及走势图
图：2008-2009年联网POS机数季度统计及走势图
图：2008-2009年ATM机数季度统计及走势图
图：2007-2009年银行卡发卡量季度统计及走势图
图：2007-2009年银行借记卡发卡量季度统计及走势图
图：2007-2009年银行信用卡发卡量季度统计及走势图
图：2008-2009年国有商业银行贷记卡发卡量季度统计及走势图
图：2008-2009年股份制商业银行贷记卡发卡量季度统计及走势图
图：2007-2009年银行卡业务笔数季度统计及走势图
图：2007-2009年银行卡存现业务笔数季度统计及走势图
图：2007-2009年银行卡取现业务笔数季度统计及走势图
图：2008-2009年农民工银行卡取款取现业务笔数季度统计及走势图
图：2007-2009年银行转账业务笔数季度统计及走势图
图：2007-2009年银行消费业务笔数季度统计及走势图
图：2007-2009年银行卡业务金额季度统计及走势图
图：2007-2009年银行存现业务金额季度统计及走势图
图：2007-2009年银行取现业务金额季度统计及走势图
图：2008-2009年农民工银行卡取款取现业务金额季度统计及走势图
图：2007-2009年银行转账业务金额季度统计及走势图
图：2007-2009年银行消费业务金额季度统计及走势图
图：2008-2009年银行卡渗透率季度统计及走势图
图：2007-2009年银行卡卡均消费金额季度统计及走势图
图：2007-2009年银行卡笔均消费金额季度统计及走势图
图：2007-2009年信用卡期末信贷总额季度统计及走势图
图：2008-2009年信用卡期末应偿信贷总额季度统计及走势图

Quarterly Payment System by Transaction, 2007-2009
Quarterly Payment System Business by Value, 2007-2009
Quarterly High Value Payment System Business by Transaction, 2007-2009
Quarterly High Value Payment System Business by Value, 2007-2009
Quarterly Bulk Electronic Payment System by Transaction, 2007-2009
Quarterly Bulk Electronic Payment System by Value, 2007-2009
Quarterly Intracity Clearing System Business by Transaction, 2007-2009
Quarterly Intracity Clearing System Business by Value, 2007-2009
Quarterly Payment System Business in Banking and Financing Institutions by Transaction, 2007-2009
Quarterly Payment System Business in Banking and Finance Institutions by Value, 2007-2009
Quarterly Interbank Payment System Business by Transaction, 2007-2009
Quarterly Interbank Payment System Business by Value, 2007-2009
Quarterly Non-Cash Payment Business by Transaction, 2007-2009
Quarterly Non-Cash Payment Business by Value, 2007-2009
Quarterly Bill Payment Business by Transaction, 2007-2009
Quarterly Bill Payment Business by Value, 2007-2009
Quarterly Bill Payment of Nationalized Banks by Transaction, 2008-2009
Quarterly Bill Payment Business of Nationalized Banks by Value,
Quarterly Bill Payment Business of Joint-Equity Banks by Transaction, 2008-2009
Quarterly Bill Payment Business of Joint-Equity Banks by Value, 2008-2009
Quarterly Cheque Payment Business by Transaction, 2007-2009
Quarterly Cheque Payment Business by Value, 2007-2009
Quarterly Trade Bill Payment Business by Transaction, 2007-2009
Quarterly Trade Bill Payment Business by Value, 2007-2009
Quarterly Bank Acceptance Payment Business by Transaction, 2007-2009
Quarterly Bank Acceptance Payment Business by Value, 2007-2009
Quarterly Bank Card Payment Business by Transaction, 2007-2009
Quarterly Bank Card Payment Business by Value, 2007-2009
Quarterly Remittance and Consignment Collection by Total Transaction, 2007-2009
Quarterly Remittance and Consignment Collection Payment Business by Value, 2007-2009
Quarterly Remittance Payment Business by Transaction, 2007-2009
Quarterly Remittance Payment Business by Value, 2007-2009
Quarterly Bank Settlement Account by Value, 2007-2009
Quarterly Entity Settlement Account by Value, 2007-2009
Quarterly Individual Settlement Account by Value, 2007-2009
Quarterly Entity Basic Deposit Settlement Account by Value, 2007-2009
Quarterly Entity General Deposit Settlement Account by Value, 2007-2009
Quarterly Entity Special Deposit Settlement Account by Value, 2007-2009
Quarterly Entity Temporary Deposit Settlement Account by Value, 2007-2009
Composition Statistics of Entity Settlement Account, 09Q2
Quarterly Unionpay Card Issuers by Amount, 2008-2009
Quarterly China’s Unionpay Card Issuers by Amount, 2008-2009
Quarterly Oversea Unionpay Card Issuers by Amount, 2008-2009
Quarterly Networking Enterprises of Interbank Payment System by Amount, 2008-2009
Quarterly Networking POS Equipments by Amount, 2008-2009
Quarterly ATM by Amount,2008-2009
Quarterly Bank Card Issuing Amount, 2007-2009
Quarterly Debit Card Issuing Amount, 2007-2009
Quarterly Credit Card Issuing Amount, 2007-2009
Quarterly Credit Card Issuing Amount of State-owned Commercial Bank, 2008-2009
Quarterly Credit Card Issuing Amount of Joint-Equity Commercial Bank, 2008-2009
Quarterly Bankcard Business by Transaction, 2007-2009
Quarterly Cash Deposit Business by Transaction, 2007-2009
Quarterly Cash Withdraw Business by Transaction, 2007-2009
Quarterly Cash Deposit Business of Rural Migrant Workers by Transaction, 2008-2009
Quarterly Bank Transfer Business by Transaction, 2007-2009
Quarterly Bank Consumption Business by Transaction, 2007-2009
Quarterly bankcard Business by Value, 2007-2009
Quarterly Cash Deposit Business by Value, 2007-2009
Quarterly Cash Withdraw Business by Value, 2007-2009
Quarterly Cash Withdraw Business of Rural Migrant Workers by Value, 2008-2009
Quarterly Bank Transfer Business by Value, 2007-2009
Quarterly Bank Consumption Business by Value, 2007-2007
Quarterly Bankcard Permeability, 2008-2009
Quarterly Average Consumption Value of Each Bank Card, 2007-2009
Quarterly Average Consumption Value in Each Transaction, 2007-2009
Quarterly Total Ending Credit Value, 2007-2009
Quarterly Total Ending Credit Value Repayable, 2008-2009