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中国的支付统计数据显示,移动和人民币海外支付出现了大幅增长

2020-3-22 15:47

 

本周早些时候,中国人民银行(PBoC)公布了2019年支付处理的细节。数据显示,移动支付出现了大幅增长,交易数量增长了68%,不过人民币交易额的增幅较为温和,为25.13%。


在中国央行准备推出央行数字货币之际,这些统计数据值得关注。CBDC的推动因素包括现金使用量的下降,以及消费者转向使用支付宝(Alipay)和微信移动钱包(微信Pay mobile wallet)进行支付。CBDC的另一个动机是害怕出现像Facebook的Libra这样的全球支付系统。此外,人们希望更多地用人民币而不是美元来结算国际贸易。


从现金支付到移动支付的转变进一步突显了使用银行卡取款的交易减少了19%。按每万人拥有的自动柜员机数量计算,则减少了1.56%。在相同的测量中,销售点设备下降了9.88%,这是向移动钱包转变的一个指标。


但银行卡支付的普及率基本持平,为49%,银行账户和银行卡的数量继续增长。借记卡占银行卡的91%。借记卡和信用卡分别增长11%和9%。中国人均持卡量为6张,人均个人银行账户数量更是达到了惊人的8个,银行开户数量增长了11.7%。


检查使用量在交易数量上减少了16.7%,在金额上减少了12.7%。


在跨境交易方面,以人民币计价的人民币支付总额为34万亿美元(约合4.76万亿美元),同比增长30.64%,交易额增长28.28%。了解以当地货币计价的交易比例的变化将是有趣的。

 

Earlier this week, the People’s Bank of China (PBoC) published details about payment processing in 2019. The figures showed massive growth in mobile payments, with the number of transactions up 68%, although the Yuan amount had a more modest growth of 25.13%.

The statistics are worth watching as the PBoC prepares to launch a central bank digital currency (CBDC). The drivers for a CBDC include a combination of the drop in cash usage and shift of consumers to using Alipay and WeChat Pay mobile wallets for payments. Another CBDC motivation was the fear of a global payment system such as Facebook’s Libra. Plus, there’s a desire to denominate more international trade in renminbi rather than U.S. dollars.

The shift from cash to mobile payments was further highlighted by the 19% decline in cash withdrawal transactions using a bank card. The number of ATM machines decreased by 1.56% when measured by machines per 10,000 people. And on the same measure, Point of Sale equipment was down by 9.88%, an indicator of the shift to mobile wallets.

But the penetration of bank cards for payments was more or less flat at 49%, and the number of bank accounts and cards continues to grow. Debit cards account for 91% of bank cards. The growth in debit cards issued was 11% and credit cards were up 9%. Combined, the number of cards per capita was six, and there are a whopping eight personal bank accounts per capita, with bank account openings growing by 11.7%.

Check usage dropped by 16.7% in transaction numbers and 12.7% in amount.

Turning to cross border transactions, there was $34 trillion renminbi in payments ($4.76 trillion) denominated in RMB, giving an annual growth in 30.64% in transaction numbers and 28.28% by value. It would be interesting to know the change in the proportion of transactions denominated in local currency.

 

来自: Ledger Insights