Summary of Key Points Core Viewpoint - The People's Bank of China has released the overall situation of the payment system for the second quarter of 2025, highlighting significant trends in bank accounts, card usage, and electronic payment activities. Group 1: Bank Accounts - As of the end of Q2 2025, there were a total of 15.238 billion bank accounts opened nationwide, including 116 million corporate accounts and 1.5122 billion personal accounts [5][6]. Group 2: Card Usage - The total number of credit cards and combined loan cards has continued to decline, reaching 715 million by the end of Q2, a decrease of 6 million from the end of Q1 and a 11.4% drop from the peak of 807 million [1][2]. Group 3: Non-Cash Payment Transactions - In Q2, banks processed 21.49789 trillion non-cash payment transactions, amounting to 136.536 trillion yuan [6]. - The number of card transactions reached 414.66 billion, with a total transaction value of 22.670 trillion yuan [2][6]. Group 4: Electronic Payment Data - Banks processed 80.053 billion electronic payment transactions, totaling 85.816 trillion yuan in Q2 [9]. - Non-bank payment institutions handled 333.845 billion online payment transactions, amounting to 8.211 trillion yuan [9]. Group 5: Payment System Operations - The payment system processed a total of 39.2751 billion transactions in Q2, with a total value of 308.483 trillion yuan, reflecting an 11.36% increase from the previous quarter [3][10].

Core Insights - The People's Bank of China reported the overall operation of the payment system for the second quarter of 2025, indicating a significant volume of transactions processed [1] Payment System Overview - In the second quarter, the payment system processed a total of 392.75 billion transactions, amounting to 308.48 trillion yuan [1] - The central clearing system handled 5.54 billion transactions, with a total value of 22.96 trillion yuan, averaging 61.45 million transactions daily, valued at 3.70 trillion yuan [1] Large and Small Payment Systems - The large-value real-time payment system processed 97.41 million transactions, totaling 21.70 trillion yuan, with a daily average of 1.60 million transactions valued at 3.56 trillion yuan [1] - The small-value batch payment system processed 1.26 billion transactions, amounting to 4.84 trillion yuan, with a daily average of 138.37 million transactions valued at 531.39 billion yuan [1] Online Payment and Foreign Currency Transactions - The online interbank clearing system processed 4.19 billion transactions, totaling 6.77 trillion yuan, with a daily average of 459.85 million transactions valued at 743.81 billion yuan [1] - The domestic foreign currency payment system processed 168.53 thousand transactions, amounting to 1.01 trillion yuan, with a daily average of 27.60 thousand transactions valued at 165.84 billion yuan [1]

其中，大额实时支付系统处理业务9740.62万笔，金额2169.56万亿元。日均处理业务159.68万笔，金额 35.57万亿元。 北京商报讯(记者岳品瑜董晗萱)8月19日，人民银行发布2025年第二季度支付体系运行总体情况。二季 度，支付系统共处理支付业务3927.51亿笔，金额3084.83万亿元。 网上支付跨行清算系统处理业务41.85亿笔，金额67.69万亿元。日均处理业务4598.49万笔，金额7438.09 亿元。境内外币支付系统处理业务168.53万笔，金额10.12万 二季度，人民银行清算总中心系统共处理支付业务55.43亿笔，金额2295.71万亿元。日均处理业务 6144.63万笔，金额37.01万亿元。 亿元。日均处理业务2.76万笔，金额1658.37亿元。 小额批量支付系统处理业务12.59亿笔，金额48.36万亿元。日均处理业务1383.70万笔，金额5313.86亿 元。 ...

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8月20日，央行发布2020年第二季度支付体系运行总体情况。据第二季度支付业务统计数据显示，银行 账户数量增幅回升，非现金支付业务量恢复增长，支付系统业务量持续增长，全国支付体系运行总体平 稳。 在银行账户方面，银行账户数量增速回升。截至二季度末，全国共开立银行账户118.66亿户，环比增长 3.05%，增速较上季度末上升1.62个百分点。单位银行账户数量保持增长，截至二季度末，全国共开立 单位银行账户7180.80万户，环比增长2.77%，增速较上季度末上升0.57个百分点。个人银行账户数量持 续增长，截至二季度末，全国共开立个人银行账户117.95亿户，较上季度末增加3.50亿户，环比增长 3.06%，增速较上季度末上升1.63个百分点。人均拥有银行账户数达8.42户。 在支付系统方面，二季度，支付系统共处理支付业务1716.41亿笔，金额2063.99万亿元。支付系统业务 金额是同期GDP的91.53倍。(刘琪) 在非现金支付业务方面，二季度，全国银行共办理非现金支付业务837.2亿笔，金额1017.22万亿元，同 比分别增长6.18%和6.83%。其中，移动支付业务量增速回升。二季度，银行共处理电子支 ...