The China Banking Association issued the "Blue Book of China's Credit Card Industry Development (2013)" in Beijing on August 1. The data shows that in 2013, China's credit card issuance amounted to 61 million, and the cumulative number of cards issued reached 390 million, and the per capita card holding capacity reached 0.29; the total transaction volume was 13.1 trillion yuan, an increase of 30.9% over the previous year; the 2013 overdraft amount was 1.84. One trillion yuan, an increase of 61.8%. The potential risk of credit has increased. The total amount of outstanding credit overdue for half a year was 25.19 billion yuan, an increase of 71.9% compared with 2012. The current loss rate at an annual rate is 0.78%, an increase of 24 BP over the same period of the previous year.
According to the report, credit card has become the most popular and convenient consumer credit and payment settlement tool for the public. The positive impact of the credit card industry on consumption is obvious. In 2013, the total amount of credit card transactions accounted for 55.8% of the total retail sales of consumer goods in the country, an increase of 7.7 percentage points over 2012. The domestic market environment has been further improved, and innovative trading channels such as the Internet and mobile terminals have developed rapidly. In 2013, the number of POS terminals that accepted credit cards in China increased by 3.514 million units in the same year, reaching a total of 10.632 million units, an increase of 49.3% over the beginning of the year.
The report pointed out that the credit card market has gradually penetrated from large cities to small and medium-sized cities, and the credit card market in small and medium-sized cities has broad prospects for development. The proportion of card issuance in large cities dropped from 26.3% in 2011 to 24.8% in 2013, and the proportion of consumer transactions fell from 21.0% in 2011 to 19.5% in 2013. Compared with the trend of large-scale city card issuance and transaction volume decreasing year by year, the proportion of small and medium-sized cities is steadily increasing.
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