2025年12月15日，深圳农村商业银行发布公告称，为更好的服务客户，保障支付系统安全稳定运行，根 据清算机构安排，计划在2026年开展6次支付系统维护工作，维护时间分别为2026年3月22日、4月19 日、6月14日、7月19日、9月13日、11月15日00:00开始，06:00前结束，系统维护期间，深圳农村商业 银行跨行转账业务、跨行代收付业务将暂停受理，网络支付业务（如微信支付、支付宝、抖音支付、京 东支付等）可能受到短暂影响，待维护完成后将恢复正常。 感谢您一直以来对深圳农村商业银行的信赖与支持！ 上述安排给您带来的不便，敬请谅解。如有疑问，请致电深圳农村商业银行客服热线4001961200（全 国）或961200（深圳）咨询，深圳农村商业银行将竭诚为您服务。 ...

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。 ...

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]