央行最新数据！信用卡三年减少1亿张，借记卡数量稳步攀升

Core Insights - The central theme of the news is the ongoing decline in credit card issuance in China, contrasting with the growth in overall bank card numbers, indicating a shift in consumer behavior and banking strategies [1][3][4]. Group 1: Overall Payment System Performance - As of the end of Q3 2025, a total of 10.149 billion bank cards were issued in China, reflecting a quarter-on-quarter increase of 0.8% and a year-to-date increase of 2.36 billion cards [1][3]. - The number of debit cards reached 9.442 billion, with a quarter-on-quarter growth of 0.94% and a year-to-date increase of 2.56 billion cards [1][3]. - In contrast, the number of credit cards and combined lending cards fell to 707 million, down 8 million from the previous quarter and 20 million from the end of last year, marking a decline of 100 million from the historical peak of 807 million in Q3 2022 [1][3][4]. Group 2: Credit Card Trends - The decline in credit card issuance has been consistent, with a reduction of 8 million cards in Q3 2025 alone, and a total decrease of 10 million cards over the past three years [2][3]. - The average number of credit cards held per person has also decreased since 2023, indicating a broader trend of reduced credit card usage [4][6]. - Regulatory pressures and changing consumer demand are contributing factors to the cautious approach banks are taking towards credit card issuance, as highlighted by Deloitte's report [7][8]. Group 3: Transaction and Usage Statistics - In Q3 2025, the total number of bank card transactions reached 165.278 billion, representing a quarter-on-quarter increase of 12.69%, with transaction amounts totaling 234.92 trillion yuan, up 3.63% from the previous quarter [10][11]. - The number of electronic payment transactions processed by banks was 83.455 billion, with a total value of 94.54 trillion yuan, indicating robust growth in digital payment methods [12][13]. - Notably, the number of ATMs has continued to decline, dropping to 760,900 units by the end of Q3 2025 [1][13].