On the 18th, the "China Payment and Liquidation Development Report (2017)" release and payment clearing innovation and safety seminar was held in Beijing. Fan Yifei, deputy governor of the People's Bank of China, said at the meeting that in recent years, China's payment system infrastructure has become more and more perfect, and payment service scenarios have become increasingly rich. Mobile payment represented by “cloud flash payment†and bar code payment is at the forefront of the world. . In 2016, China's payment industry handled 122.86 billion mobile payment services, 208.4 trillion yuan, and handled 112.88 billion Internet and 2133.4 trillion yuan of Internet payment services. The number of mobile payment services surpassed Internet payment for the first time, marking the mobile payment market in China. The arrival of the payment era.
Fan Yifei also said that payment is the foundation of the financial system, and ensuring the efficient and safe transfer of money and funds is the core and mission. In the construction of the “Belt and Roadâ€, payment is the outpost and important support for promoting the implementation of the strategy. At the same time, the construction of “One Belt, One Road†also provided an opportunity for the payment industry to “go global†and brought new opportunities for the development of China's payment industry. He mentioned that the “One Belt, One Road†large-scale infrastructure construction has stimulated the demand for large-scale payment services in countries along the route.
In the modern economy, money mainly exists in the form of bank deposits, and the payment process is becoming more and more electronic.
The data shows that since 2007, the total amount of business of China's payment and settlement system has shown a rapid growth in both the number of books and the amount. Specifically, the number and amount of payment system business increased from 5.39 billion and 889.2 trillion yuan in 2007 to 368.72 billion and 592.9 trillion yuan in 2016, an increase of 70 times and 4.8 times respectively.
While the total amount of transactions in the payment clearing system has increased rapidly, the average amount of each payment transaction has shown a downward trend. China Fortune.com found that during the period 2007-2016, the average transaction amount of the payment system business decreased from 165,000 yuan to 86,000 yuan.
Li Yang, chairman of the National Finance and Development Laboratory, said that the decline in the average amount of each payment transaction reflects the increasing use of payment systems and the decline in the cost of use, and more and more relatively small amounts of payments are electronically The platform is carried out, which lowers the overall average transaction size.
However, while the size of each payment transaction in China has shown a downward trend, the scale of each transaction in some trading systems has increased. For example, in 2016, the average transaction amount of non-cash payment instruments in China increased from 29,000 yuan to 37,000 yuan.
“With the development of emerging payment methods such as mobile payment, some “mediumâ€-scale payment services between RMB 50,000 and RMB 100,000 have been transferred from traditional large-value real-time payment systems to more flexible third-party retail payment platforms. The average transaction size of non-cash payment instruments has increased," Li Yang explained.
In addition, Li Yang also believes that the data of the payment clearing system reflects the operation of the real economy to a certain extent and can provide reference for relevant policies. For example, based on a model combining multiple payment clearing indicators, the GDP growth rate in the next quarter can be predicted, and the accuracy of the forecast is above 85%.
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