According to the Blue Book of Credit Card Industry Development in China (20 13) issued by China Banking Association 3 1 3, in 20 13, the number of new credit cards issued nationwide was 6 1 10,000, and the cumulative number of cards issued was 390 million, an increase from the beginning of 20 13/. The total transaction amount 13. 1 trillion yuan, an increase of 30.9% over the previous year. The Blue Book suggests speeding up the promotion of Internet and mobile payment security norms, studying and formulating rules and regulations in the field of Internet finance as soon as possible, and strengthening the supervision and management of third-party payment institutions.
The average card transaction volume increased by 1 1. 1%.
In 20 13, the average transaction volume of credit cards in China was 33,462 yuan, an increase of11%over the previous year. In the field of consumption, general merchants accounted for the highest proportion, accounting for 59.2%, up 6.8 percentage points over the previous year. The proportion of transactions in catering, entertainment, people's livelihood and public welfare services decreased by 5.2, 0.5 and 0.7 percentage points respectively over the previous year.
The outstanding credit balance of 20 13 credit cards, the total outstanding credit overdue for half a year and the overdraft balance of overdue accounts all increased, and the credit risk delay rate and loss rate remained at a low level. Credit card overdraft in 20 13 years 1.84 trillion yuan, an increase of 61.8% compared with the end of 20 12; The total outstanding credit overdue for half a year was 2510.90 billion yuan, an increase of 710.9% compared with 20 12; The current loss rate is 0.78% at an annual rate, up 24BP year-on-year.
Mobile payment will be standardized.
According to the Blue Book, the credit card industry has used mobile Internet technology to promote the diversification of Internet payment and mobile payment modes. The application field of Internet payment has been expanded and extended to most information industries except online shopping, and e-commerce has become an important driving force for the explosive growth of Internet payment in China.
Han Xu, deputy CEO of Bank of Communications Credit Card Center, said that there are some problems in the application of mobile Internet technology in the credit card industry in China, such as the electronic level of traditional working methods needs to be improved, the safety standard of online payment is missing, and the customer experience needs to be improved. Under the new business model, due to the lack of unified system norms, all participants in the credit card market rely more on self-made agreements to clarify their rights and responsibilities, which is not conducive to the prevention and control of risk points in all links of the industrial chain and the distribution of responsibilities after accidents.
According to the blue book, in 20 13 years, the loss of domestic credit card internet fraud was1410.3 million yuan, an increase of 23.4% over the previous year; Online fraud losses accounted for 10.8%, up 2.7 percentage points over the previous year. From the perspective of fraud types, the top five fraud losses of 20 13 credit cards include fake cards, false applications, online fraud, card theft and non-Dhaka. Compared with the previous year, the loss amount and proportion of innovative business fraud showed an upward trend.
The Blue Book suggests speeding up the security specification of Internet payment and mobile payment. Study and formulate rules and regulations in the field of Internet finance as soon as possible, and define business participants, business development models, risk prevention and control measures, customer information protection requirements, business dispute resolution processes, and risk emergency mechanisms. It is necessary to strengthen the supervision and management of third-party payment institutions, urge them to strictly control the entry of high-risk merchants, and strengthen the monitoring and disposal of risky merchants such as abnormal transactions, applying merchant type codes, and illegally retaining customer information.