1. Cash deposit and withdrawal: Debit cards mostly have the functions of saving in local and foreign currencies, time deposit and demand. Debit cards can be deposited and withdrawn at the issuing bank outlets and self-service banks, and can also be withdrawn from ATMs all over the country or even the world.
2. Transfer and remittance: Cardholders can transfer or remit money to other accounts through bank outlets, online banking and self-service banking.
3. Credit card spending: Cardholders can use debit cards to swipe their cards at merchants.
4. collection and payment: debit cards can be used to pay wages or pay various expenses (such as communication fees, water fees, electricity fees, gas fees, etc.).
5. Asset management: wealth management products, open-end funds, insurance, personal foreign exchange transactions and precious metal transactions can be signed, traded and settled by debit cards.
1. On March 18, 219, the central bank released the overall operation of the payment system in 218. By the end of 218, the number of bank cards in use nationwide was 7.597 billion. Among them, the number of credit cards and debit-credit cards in use is 686 million. The average person in China holds 5.46 bank cards, and every two people hold a credit card and a debit-credit card. In addition, the scale of bank card credit increased moderately, and the proportion of total outstanding credit overdue for half a year decreased. By the end of 218, the total credit of bank cards in China was 15.4 trillion yuan, with an average credit line of 22,4 yuan. The total outstanding credit of credit cards overdue for half a year was 78.861 billion yuan, accounting for 1.16% of the credit balance of credit cards, accounting for a decrease of .18 percentage points compared with the end of last quarter.
2. On April 22nd, 219, China UnionPay released the Report on the Development of Bank Card Industry in China (219). The report shows that in 218, the amount of UnionPay network transfer transactions accounted for a further increase in the global bank card clearing market share, and continued to rank first in the world. At the same time, the scale of issuing and accepting bank cards has been further expanded. The global issuance of UnionPay cards has exceeded 7.59 billion, and the global acceptance network of UnionPay cards has been extended to 174 countries and regions, covering more than 53.7 million merchants and 2.86 million ATMs, and the value-added services with cards have been continuously enriched.