本报（chinatimes.net.cn）记者李明会 北京报道 入伏后的北京，闷热潮湿，在北京某核心商圈，"低碳出行领自行车"活动正酣。不同寻常的是，前来发 放自行车的竟是银行员工。 "办信用卡就送自行车。"现场一名工作人员告诉《华夏时报》记者，最少两张办理两家银行的信用卡就 可以免费领一辆自行车，13张就能将标价近3000元的某"网红"款公路车骑回家。 活动现场，来自多家银行信用卡中心的工作人员正"抱团"展业。摊位前，一排排自行车整齐排列着。就 在记者疑惑现场只有8家银行、一个人如何办理这么多信用卡时，该工作人员补充道，"只要办的卡够13 张就行，两三个人一起来办也可以。" 豪礼刺激下，不少客户现场开户办理信用卡。前述工作人员告诉记者，周末时一天能送出二三十辆自行 车。 然而，这街头的热闹景象，却与行业数据形成强烈反差。截至2025年一季度，信用卡发卡量已连续十个 季度环比下滑，叠加不良风险暴露，信用卡业务整体仍未走出低迷周期。 退潮 "这行现在太卷了，表面看自行车是免费的，但其实是员工买单，各家业务员自掏腰包一起凑钱买 的。"赵毅对《华夏时报》记者坦言，这种联合展业是行业普遍现象，但并不合规。"上面的领导 ...

Investment Rating - The report does not explicitly state an investment rating for the banking payment industry Core Insights - The banking payment industry in China has evolved through four major stages: the introduction of domestic bank cards in 1985, the establishment of China UnionPay in 2002, the mobile payment transformation from 2010 to 2020, and the current digital and ecological phase since 2021 [4][5] - The future of banking payments is expected to focus on deep integration with various payment scenarios, providing unified payment solutions, and establishing "borderless payment" environments [4] - Key areas of focus include offline retail, e-commerce, high-frequency consumption in dining, and gaming, particularly targeting the younger demographic [4] Summary by Sections Development History - The banking payment business has undergone significant changes since the introduction of the first domestic bank card in 1985, with the establishment of China UnionPay in 2002 marking a pivotal moment in payment channel integration [6] - The mobile payment transformation began in 2010, leading to the introduction of mobile banking apps and the "Cloud Flash Pay" service in 2017, which restructured the mobile payment ecosystem [6][7] Important Payment Scenarios - The banking payment services are widely applied across various scenarios, including retail, e-commerce, dining, and gaming, providing tailored services for both consumers and merchants [7] - In retail, banks offer convenient payment experiences through mobile payment tools and provide solutions for merchants to manage cash flow efficiently [8] - In e-commerce, banks ensure secure online payment systems and offer supply chain financing services to support small e-commerce businesses [9] - In the dining sector, banks provide smart cash register systems and promotional activities to stimulate consumer spending [10] - In gaming, banks focus on secure transactions and offer services like account custody and fund settlement [12] Payment Fee Structures - Retail payment fees range from 0.4% to 0.6% for state-owned banks, 0.4% to 0.8% for commercial banks, and 0.5% to 1% for local banks [14][15] - E-commerce payment fees vary, with state-owned banks charging 0.3% to 0.6%, commercial banks 0.3% to 0.8%, and local banks 0.4% to 1% [19][23] - Dining payment fees are consistent across bank types, ranging from 0.2% to 0.6% [26] - Gaming payment fees are higher, with state-owned banks charging 1% to 1.3%, commercial banks 1.3% to 1.6%, and local banks 1.5% to 2% [34][40] Future Outlook - The banking payment industry is expected to achieve breakthroughs in various key areas, leveraging new payment technologies to enhance security and simplify payment processes [41] - There will be a focus on emerging application scenarios such as healthcare, smart travel, and the metaverse, along with tailored services for different user groups [41][44] - Innovations like biometric payments and blockchain technology are anticipated to streamline payment experiences and improve transaction transparency [42][45]