央行中英文對照資料-支付系統(tǒng)

1、The Payment System Operated Well, and Gross Fund Transaction Volume Grew in a Sustainable Manner Payment statistics in the second quarter of 2010 show that the payment system continued to operate in a stable and efficient manner, transaction volumes kept a rapid growth momentum, with the quarte

2、rly transaction value hitting a new historical high; gross fund transactions became more active, with marked increase in trading volume and frequency, hence playing an active role in accelerating gross fund circulation, improving capital utilization efficiency and promoting the recovery of the natio

3、nal economy. With economic activities becoming more brisk, payment transaction volume is expected to rise sharply on a continuous basis. In the second quarter, the number of non-cash payment operations totaled 6.854 billion and RMB214.75 trillion yuan in value, an increase of 31.1 percent and 2

4、7.9 percent respectively year on year, 13.3 and 21.3 percentage points respectively higher than the growth in the same period last year. Specifically:  Notes-based business volume grew steadily. In the second quarter, there were 215 million notes-based transactions worth RMB68.88 trillion yuan,

5、 up 3.6 percent and 8.4 percent respectively year on year. Commercial drafts business kept the growth momentum, with rapid growth in volume, but declining growth in value. In the second quarter, about 2.1852 million transactions of commercial drafts, or RMB2.51 trillion yuan, were actually settled.

6、The increase in volume and value registered 10.7 percent and 16.8 percent respectively year on year, an acceleration rate and a deceleration rate of 6.4 and 17.7 percentage points respectively from the same period last year. As of the end of the second quarter, a total of 316 institutions were conne

7、cted to the electronic commercial drafts system; the volume of various businesses of electronic commercial drafts posted quarter-on-quarter growth across the board; about 12,389 issuance transactions were registered, valued at RMB35.887 billion yuan; the number of the acceptance business posted 13,0

8、86 transactions, and RMB38,114 billion yuan in value. Advances for overdue commercial drafts rose on a quarter-on-quarter basis. At the end of the second quarter, the advance payment by banking financial institutions nationwide for commercial drafts registered RMB10.541 billion yuan, up 10.1 percent

9、 year on year, heightening related risks. Rural credit cooperatives and other financial institutions providing services to the agricultural sector witnessed fast quarter-on-quarter increase in advances for overdue papers. As of the end of the second quarter, advances of rural credit cooperatives ros

10、e sharply by 128 percent from the previous quarter, higher than the national average of 10.1 percent, highlighting higher potential risks.  Bankcard issuance continued to grow steadily, but at a decelerated year-on-year rate. As of the end of the second quarter, 2.266 billion bankcards were iss

11、ued in cumulative terms, up 14.5 percent year on year, representing a deceleration of 7.6 percentage points from the same period last year. Specifically, 2.059 billion debit cards were issued, up 13.3 percent year on year, representing a deceleration of 7.9 percentage points. About 207 million credi

12、t cards were issued, posting year-on-year growth of 27.4 percent and representing a deceleration of 5.5 percentage points. As of the end of the second quarter, the possession rate of credit card was 0.16 credit cards per person. The credit card possession rate in Beijing and Shanghai exceeded 1 card

13、 per person, posting 1.06 and 1.01 cards per person respectively, much higher than the national average level. Bankcards are more accepted by the general public, as evidenced by the sharp increase of bankcard business. In the second quarter, the number of bankcard-based transactions stood at 6.383 b

14、illion and RMB57.9 trillion yuan in value, up 32.6 percent and 45.2 percent respectively year on year, representing an acceleration of 13.3 and 21.1 percentage points respectively from the same period last year. The penetration rate of bankcards continued to rise, with bankcard-based consumption pla

15、ying a marked role in driving domestic demand. In the second quarter, the bankcard penetration rate reached 35.6 percent, an acceleration of 3.9 percentage points from a year earlier. The convenience and speediness of bankcard-based consumption enables bankcards to play an increasingly important rol

16、e in stimulating consumption, promoting the development of the retail market for consumption goods, and driving domestic demand. The aggregate credit line of credit cards and the total amount payable at the end of the period witnesses year-on-year increase, the total amounts payable overdue by over

17、half a year and its share in the total amounts payable dropped in tandem, hence reducing the bad loan loss risks of credit cards. As of the end of the second quarter, the total credit line of credit cards amounted to RMB1.64 trillion yuan, up 39.9 percent year on year, representing an increase of 16

18、2.617 billion yuan or 11 percent from the previous quarter; the aggregate amount payable at the end of the period stood at 287.76 billion yuan, up 53.1 percent year on year, representing an increase of RMB39.177 billion yuan, or up 15.8 percent. In the second quarter, the total accounts payable over

19、due by over half a year reached RMB7.302 billion yuan, about RMB1.502 billion yuan or 17.1 percent less than that in the first quarter; the share of credit card amounts payable in arrears by over half a year accounted for 2.5 percent of the total amounts payable, 1 percentage point lower from that i

20、n the first quarter.  In the second quarter, the volume of transactions processed by the payment system continued to rise rapidly, with the value processed hitting another historical high, as a result of increasing volumes of social fund transfers and overall good performance of the national ec

21、onomy. In the second quarter, the payment system processed a total of 2.667 billion transactions, valued at RMB384.07 trillion yuan, up 26 percent and 37.7 percent, respectively, year on year. The processed business of the large-value real-time payment system (LVPS) continued its rapid year-on-year

22、growth, with the average daily value of processed transactions exceeding RMB4 trillion yuan, and the daily processed number of transactions stabilizing around 1 million. In the second quarter, the LVPS processed 69 million transactions worth RMB256.09 trillion yuan, up 17.4 percent and 34.1 percent

23、respectively. The value of processed transactions was 27.76 times of China´s GDP (RMB9.23 trillion yuan) in the second quarter, marking a slight decline from the first quarter; the daily processed number of transactions amounted to 1.1154 million, valued at RMB4.13 trillion yuan, representing a

24、 decline of 4,700 transactions in number and an increase of RMB223.554 billion yuan in value quarter on quarter. The number of bank settlement accounts continued to grow steadily. As of the end of the second quarter, the number of bank settlement accounts of various kinds nationwide totaled 3.0

25、31 billion, a quarter-on-quarter increase of 3.9 percent, and an acceleration of 0.2 percentage points from the first quarter. In particular, institutional settlement accounts, which stood at 23.3656 million, accounted for 0.8 percent of the total, a quarter-on-quarter increase of 3.6 percent, and a

26、n acceleration of 0.7 percentage points from the first quarter; individual settlement accounts increased by 3.9 percent quarter on quarter to 3.007 billion, accounting for 99.2 percent of the total, representing an acceleration of 0.2 percentage points from the first quarter. Institutional bank sett

27、lement accounts opened by real estate companies continued to rise; institutional settlement accounts of real estate companies in Hainan province kept growing rapidly quarter on quarter. As of the end of the second quarter, the institutional bank settlement accounts opened by real estate companies na

28、tionwide totaled 698,200, a quarter-on-quarter increase of 4.7 percent, about 1.1 percentage points higher than the quarter-on-quarter growth of institutional bank settlement accounts; or a year-on-year growth of 17.6 percent, about 5.1 percentage points higher than that of the total institutional b

29、ank settlement accounts. Institutional bank settlement accounts opened by real estate companies in Hainan province posted a significant quarter-on-quarter increase of 11.9 percent and 11 percent in the first two quarters respectively, and the growth in the second quarter was 7.4 percentage points fa

30、ster than the national average, representing a continued fast growth momentum. 支付體系平穩(wěn)運行 社會資金交易規(guī)模穩(wěn)定持續(xù)增長 2010年第二季度支付業(yè)務統(tǒng)計數(shù)據(jù)顯示，支付體系繼續(xù)平穩(wěn)高效運行，支付系統(tǒng)業(yè)務量繼續(xù)呈現(xiàn)快速增長勢頭，季度金額再創(chuàng)歷史新高；社會資金交易更加活躍，資金交易規(guī)模和交易頻繁程度明顯提高，對加速社會資金流通，提高資金使用效率，促進國民經(jīng)濟回升向好起到了積極作用。隨著經(jīng)濟活躍程度日益加強，支付業(yè)務量有望繼續(xù)快速提升。第二季度，全國共辦理非現(xiàn)金支付業(yè)務68.54億筆，金額214.75萬億元，

31、較上年同期分別增長31.1%和27.9%；筆數(shù)和金額同比增速分別加快13.3個百分點和21.3個百分點。其中：票據(jù)業(yè)務量穩(wěn)步上升。第二季度，全國共發(fā)生票據(jù)業(yè)務2.15億筆，金額68.88萬億元，同比分別增長3.6%和8.4%。商業(yè)匯票業(yè)務保持增長態(tài)勢，筆數(shù)增速加快increased growth rate of transaction volume，金額增速回落decreased growth rate of transaction value。第二季度，實際結算商業(yè)匯票業(yè)務218.52萬筆，金額2.51萬億元，筆數(shù)同比增長10.7%，較去年同期增速加快6.4個百分點；金額同比增長16.8%，

32、較去年同期增速回落17.7個百分點。電子商業(yè)匯票系統(tǒng)平穩(wěn)運行，業(yè)務量持續(xù)攀升。截至第二季度末，全國范圍內接入電子商業(yè)匯票系統(tǒng)的機構共有316家；電子商業(yè)匯票系統(tǒng)各業(yè)務量環(huán)比均有增長：完成出票信息登記12 389筆，涉及金額358.87億元；承兌業(yè)務13 086筆，涉及金額381.14元。商業(yè)匯票逾期墊款金額環(huán)比上升。第二季度末，全國銀行業(yè)金融機構商業(yè)匯票逾期墊款金額為105.41億元，環(huán)比上升10.1%，逾期墊款金額有所增加，票據(jù)風險加大。農村信用社等涉農金融機構票據(jù)逾期墊款金額環(huán)比增速較高。第二季度末，農村信用社等涉農金融機構逾期墊款金額大幅增加，環(huán)比增長128.0%，高于全國10.1%的平

33、均水平，潛在票據(jù)風險較高。銀行卡發(fā)卡量持續(xù)穩(wěn)定增長，同比增速持續(xù)回落。截至第二季度末，全國累計發(fā)行銀行卡22.66億張，同比增長14.5%，增速較上年同期回落7.6個百分點。其中，借記卡累計發(fā)卡量為20.59億張，同比增長13.3%，增速較上年同期回落7.9個百分點；信用卡累計發(fā)卡量為2.07億張，同比增長27.4%，增速較上年同期回落5.5個百分點。截至第二季度末，全國信用卡人均擁有量為0.16張。北京、上海兩地信用卡人均擁有量首次突破1張，分別為1.06張、1.01張，遠高于全國平均水平。社會公眾使用銀行卡意識不斷增強，銀行卡業(yè)務量持續(xù)大幅增長。第二季度，發(fā)生銀行卡業(yè)務63.83億筆，同比增長32.6%，增速較上年同期上升13.3個百分點；業(yè)務金額57.90萬億元，同比增長45.2%，增速較上年同期上升21.1個百分點。銀行卡滲透率持續(xù)增加