央行中英文对照资料-支付系统

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. 支付体系平稳运行 社会资金交易规模稳定持续增长 2010年第二季度支付业务统计数据显示，支付体系继续平稳高效运行，支付系统业务量继续呈现快速增长势头，季度金额再创历史新高；社会资金交易更加活跃，资金交易规模和交易频繁程度明显提高，对加速社会资金流通，提高资金使用效率，促进国民经济回升向好起到了积极作用。随着经济活跃程度日益加强，支付业务量有望继续快速提升。第二季度，全国共办理非现金支付业务68.54亿笔，金额214.75万亿元，

31、较上年同期分别增长31.1%和27.9%；笔数和金额同比增速分别加快13.3个百分点和21.3个百分点。其中：票据业务量稳步上升。第二季度，全国共发生票据业务2.15亿笔，金额68.88万亿元，同比分别增长3.6%和8.4%。商业汇票业务保持增长态势，笔数增速加快increased growth rate of transaction volume，金额增速回落decreased growth rate of transaction value。第二季度，实际结算商业汇票业务218.52万笔，金额2.51万亿元，笔数同比增长10.7%，较去年同期增速加快6.4个百分点；金额同比增长16.8%，

32、较去年同期增速回落17.7个百分点。电子商业汇票系统平稳运行，业务量持续攀升。截至第二季度末，全国范围内接入电子商业汇票系统的机构共有316家；电子商业汇票系统各业务量环比均有增长：完成出票信息登记12 389笔，涉及金额358.87亿元；承兑业务13 086笔，涉及金额381.14元。商业汇票逾期垫款金额环比上升。第二季度末，全国银行业金融机构商业汇票逾期垫款金额为105.41亿元，环比上升10.1%，逾期垫款金额有所增加，票据风险加大。农村信用社等涉农金融机构票据逾期垫款金额环比增速较高。第二季度末，农村信用社等涉农金融机构逾期垫款金额大幅增加，环比增长128.0%，高于全国10.1%的平

33、均水平，潜在票据风险较高。银行卡发卡量持续稳定增长，同比增速持续回落。截至第二季度末，全国累计发行银行卡22.66亿张，同比增长14.5%，增速较上年同期回落7.6个百分点。其中，借记卡累计发卡量为20.59亿张，同比增长13.3%，增速较上年同期回落7.9个百分点；信用卡累计发卡量为2.07亿张，同比增长27.4%，增速较上年同期回落5.5个百分点。截至第二季度末，全国信用卡人均拥有量为0.16张。北京、上海两地信用卡人均拥有量首次突破1张，分别为1.06张、1.01张，远高于全国平均水平。社会公众使用银行卡意识不断增强，银行卡业务量持续大幅增长。第二季度，发生银行卡业务63.83亿笔，同比增长32.6%，增速较上年同期上升13.3个百分点；业务金额57.90万亿元，同比增长45.2%，增速较上年同期上升21.1个百分点。银行卡渗透率持续增加