三季度，我国支付体系运行平稳。中国人民银行发布的数据显示，三季度，全国共发生银行卡交易 1652.78亿笔，金额234.92万亿元。其中，消费业务1035.94亿笔，金额33.19万亿元。 此外，三季度，银行共处理电子支付业务金额945.4万亿元，其中移动支付业务137.53万亿元；非银行支 付机构处理网络支付业务3380.19亿笔，金额85.28万亿元。 （文章来源：新华社） 中国人民银行日前发布数据显示，三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36 万亿元。 ...

本报讯 记者马梅若报道 日前，央行发布《2025年第三季度支付体系运行总体情况》。 数据显示，截至三季度末，全国共开立银行账户153.95亿户。开立单位银行账户1.19亿户，其中， 基本存款账户8270.91万户；开立个人银行账户152.76亿户。 非现金支付业务方面，三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36万亿 元。电子支付方面，三季度，银行共处理电子支付业务834.55亿笔，金额945.40万亿元。其中，网上支 付业务193.93亿笔，金额792.59万亿元；移动支付业务606.31亿笔，金额137.53万亿元。三季度，非银行 支付机构处理网络支付业务3380.19亿笔，金额85.28万亿元。 三季度，支付系统（包含人民银行清算总中心系统、银联跨行支付系统、城银清算支付清算系统、 农信银支付清算系统、人民币跨境支付系统、 网联清算平台、商业银行行内业务系统）共处理支付业 务4321.43亿笔，金额3499.98万亿元。 责任编辑：袁浩 ...

数据显示，截至三季度末，全国共开立银行账户153.95亿户。开立单位银行账户1.19亿户，其中，基本 存款账户8270.91万户；开立个人银行账户152.76亿户。 非现金支付业务方面，三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36万亿元。电 子支付方面，三季度，银行共处理电子支付业务834.55亿笔，金额945.40万亿元。其中，网上支付业务 193.93亿笔，金额792.59万亿元；移动支付业务606.31亿笔，金额137.53万亿元。三季度，非银行支付机 构处理网络支付业务3380.19亿笔，金额85.28万亿元。 近日，央行发布《2025年第三季度支付体系运行总体情况》。 三季度，支付系统(包含人民银行清算总中心系统、银联跨行支付系统、城银清算支付清算系统、农信 银支付清算系统、人民币跨境支付系统、网联清算平台、商业银行行内业务系统)共处理支付业务 4321.43亿笔，金额3499.98万亿元。 ...

Core Viewpoint - The recent announcement by the central bank to remove electronic payment transaction limits and credit card overdraft interest rate caps is expected to create positive financial effects for banks, businesses, and consumers, facilitating a synchronized development of the economy and finance [1][2]. Group 1: Impact on Electronic Payments - The removal of electronic payment transaction limits will transition electronic payments from "small-scale convenience" to "full-scenario coverage," leading to a rapid increase in electronic payment transactions across society [1]. - This change will significantly enhance the speed of fund circulation and improve the efficiency of fund utilization, allowing both businesses and consumers to meet large payment demands effectively [1][2]. Group 2: Benefits for Businesses and Consumers - Enhanced efficiency in inter-business fund transactions will reduce operational costs for businesses, indirectly alleviating their financial burdens and improving operational performance [2]. - For consumers, smoother fund flows will enhance the experience of high-end purchases, real estate transactions, and cross-border payments, attracting more participants into the electronic payment ecosystem [2]. Group 3: Advantages for Banks - The growth in large electronic payment transactions will increase the number of transactions for banks, leading to a rise in operating income from electronic payment services, which can compensate for the narrowing net interest margins [2][3]. - The flexibility in managing electronic payment transactions and credit card interest rates will encourage banks to innovate and develop more consumer-friendly products, opening up broader development paths for electronic payment and credit card businesses [3]. Group 4: Regulatory Changes and Market Dynamics - The reform reflects a shift in regulatory focus from quantity-based regulations to risk-based regulations, emphasizing comprehensive risk prevention and functional supervision [2]. - The removal of interest rate caps will provide banks with greater pricing autonomy, allowing them to tailor interest rates based on customer credit status and consumption habits, thus promoting consumer credit development and stimulating domestic demand [3][4]. Group 5: Market Ecology and Consumer Protection - The ability to impose higher costs on consumers with poor credit will help eliminate weaker participants from the credit card market, fostering a healthier market ecology and reducing the rate of non-performing assets for banks [4]. - The elimination of prior reporting requirements for interest rate adjustments will reduce administrative interference, enhancing banks' operational capabilities and aligning credit card business development with market-oriented reforms [4].

Summary of Key Points Core Viewpoint - The central theme of the news is the analysis of the payment system's performance in China for the second quarter of 2025, highlighting trends in card usage, transaction volumes, and the ongoing decline in credit card numbers. Group 1: Card Issuance and Trends - As of the end of Q2 2025, a total of 10.068 billion bank cards were issued nationwide, reflecting a quarter-on-quarter increase of 0.68% [5][4] - Among these, debit cards accounted for 9.354 billion, with a quarter-on-quarter growth of 0.81%, while credit cards and combined lending cards totaled 0.715 billion, showing a decline of 0.83% [5][4] - The number of credit cards and combined lending cards decreased by 6 million from the previous quarter and by 12 million from the end of last year, marking a decline of over 11% from the peak of 8.07 billion in 2022 [8][11] Group 2: Transaction Volume and Trends - In Q2 2025, the total number of bank card transactions reached 146.662 billion, with a total transaction amount of 226.7 trillion yuan, representing a quarter-on-quarter increase of 12.9% in transaction volume but a decrease of 12.06% in transaction value [6][4] - Notably, the number of transactions for transfer and consumption increased significantly compared to Q1, while the number of cash deposit and withdrawal transactions declined by 18.24% and 18.77%, respectively [6][4] - The number of ATMs decreased to 775,700, down 2.12% from the previous quarter, continuing a trend of decline since reaching a peak of 1.1108 million ATMs at the end of 2018 [6][4] Group 3: Electronic Payment and Non-Bank Payment Institutions - In Q2 2025, banks processed 80.053 billion electronic payment transactions, amounting to 85.816 trillion yuan, with online payments accounting for 18.217 billion transactions and 70.785 trillion yuan [6][4] - Non-bank payment institutions handled 333.845 billion network payment transactions, totaling 8.211 trillion yuan, indicating an increase in transaction scale despite a year-on-year decline in transaction volume [6][4] Group 4: Credit Card Market Adjustments - The credit card market has seen significant adjustments, with several banks announcing changes to high-end credit card products, including increased usage thresholds and adjustments to benefits [14][15] - The trend of declining credit card numbers is attributed to banks' ongoing efforts to manage "sleeping cards" and the increasing challenges in credit card asset quality and profitability [11][15] - The industry is shifting from a focus on card issuance growth to enhancing user experience and lifecycle value, with an emphasis on digital transformation and risk management [12][15]

Core Insights - The People's Bank of China released the overall situation of the payment system for the second quarter of 2025, highlighting significant growth in electronic payment transactions [1] Group 1: Electronic Payment Statistics - In the second quarter, banks processed a total of 800.53 billion electronic payment transactions, amounting to 858.16 trillion yuan [1] - Online payment transactions accounted for 182.17 billion, with a total value of 707.85 trillion yuan [1] - Mobile payment transactions reached 583.86 billion, totaling 136.06 trillion yuan [1] Group 2: Non-Bank Payment Institutions - Non-bank payment institutions processed 3,338.45 billion network payment transactions, with a total value of 82.11 trillion yuan [1]