Fujian province. China Bank Card Industry Development Report has been published for 19 years since it was first published in 2003. In terms of transaction amount, Xiamen, Fujian leads the country with 8.3 trillion yuan of clearing transactions, followed by Beijing, Shanghai and Shandong, which is a very large transaction volume.
What is the impact of excessive personal bank card transactions? Why does the bank take the initiative to let you get a gold card and a credit card when the transaction volume is large?
Generally speaking, the transaction volume of personal bank cards is too large, which has no influence. However, the abnormal bank account will definitely attract the attention of relevant departments. As long as the bank account is legal, there is no need to be careful. Excessive bank flow is easy to attract the attention of the regulatory authorities and will be considered suspicious. However, if the user's transfer income is legal, then don't worry, this is the normal operation of the bank, because the frequent transfer of personal bank cards is very normal for many large online shop sellers. If the user's transfer income is illegal, then if the monitored department finds the relevant data, there will be law enforcement departments to ask about the situation.
If the transaction volume is large, the bank will take the initiative to let you apply for a gold card, mainly because issuing credit cards is one of the main assessment indicators of banks. The main business of banks is to handle deposits, issue loans and settle funds. Credit cards are another way. It can not only meet the small demand of users, but also expand the customer range of banks indefinitely. Moreover, due to the fierce competition between banks, most banks will issue credit card issuance tasks, and there are certain indicators in terms of activation quantity and denomination.
After the head office gives the business outlets a task, the banks of major outlets will implement the assessment indicators to individuals. Therefore, in order to complete the task, bank staff have to actively promote credit cards to depositors or interested people to achieve the required tasks. Those who can overfulfil the task will naturally not waste energy, and the bank will also give some rewards. This system of getting more for more work will make bank staff more enthusiastic in promoting credit cards, so we can often see enthusiastic bank staff introducing credit cards.
Supplementary information:
If the bank's flow is too large, it is best to provide the basis for transfer payment, such as trade contracts and invoices, and appeal to the bank. If the bank accepts and verifies that it does not meet the counter-determination, it can be adjusted to normal according to regulations.
Generally, banks will not change the status of customers' cards to abnormal status casually. Usually, they will only do this if they have more conclusive evidence. At this time, the account will not be frozen, but they can't use online banking, mobile banking and other off-counter transactions, only go to the counter. If the money is legal, the transfer operation is in compliance, and the bank makes a mistake in judgment, it is only necessary to bring trade contracts, invoices and other supporting documents to the bank to make a complaint, which can generally be restored.
Under normal circumstances, the bank's post-monitoring will report suspicious transactions to the People's Bank of China, and the People's Bank of China will further cross-compare the source and flow direction of your funds, and then comprehensively consider whether to investigate. Suspicious transaction is simply that the transaction behavior does not match the identity. For example, the personal information kept in the bank is employees, and the inflow of funds in that month is much higher than your salary level.
In other words, as long as you can prove that the bank card is your own and go to the bank with your documents, you can easily return to normal. Except, of course, those frozen by judicial organs. As for the abnormal transaction, as long as there are corresponding supporting materials, you can explain the situation to the bank.
The credit card business suffered a "painful period": the NPL ratio rebounded across the board, and ICBC consumption fell by nearly 20%.
The credit card business is still experiencing a painful period of declining transaction volume and rising non-performing loan ratio.
In the second half of last year, listed banks generally increased retail credit and reduced risk appetite. The proportion of mortgage loans increased, the proportion of credit cards decreased, and the decline of stock banks was more obvious. However, banks have different opinions on the development strategy of credit cards.
"In the first quarter of last year, the transaction volume dropped sharply and gradually recovered after April and May." A credit card business person of a joint-stock bank admitted that overseas credit card consumption transactions basically disappeared throughout the year, and only domestic incentives such as cash back and coupons were used to promote the recovery of transaction volume. In the third quarter of last year, it began to return to the pre-epidemic level, but the annual trading volume is still difficult to pick up.
In this case, the credit card centers of commercial banks pay more attention to the transaction volume than the card issuance volume, and some banks tend to be conservative in the case of single-digit growth or even negative growth throughout the year.
According to the data of the central bank, in 2020, the average consumption amount of bank Kaka was 1.30 million yuan, down 6.38% year-on-year; The average consumption of bank cards was 656.85 yuan, a year-on-year decrease of 10.97%. "The amount of credit card transactions is more important than the amount of cards issued, which is the basis of transaction fees and installment business." A senior industry insider said.
ICBC contracted its credit card business. In 2020, the unused credit line of the bank's credit cards was 1.02 trillion yuan, down1.79% from the previous year. The number of credit cards issued was 654.38+0.6 billion, an increase of about 654.38+0 million or 7 million over the previous year; The credit card overdraft balance was 68 16 1 100 million yuan, up 0.54% year-on-year, and the growth rate decreased by 7.68 percentage points compared with the previous year.
After the contraction adjustment, ICBC became the only listed bank with improved credit card asset quality. In 2020, ICBC's credit card overdraft non-performing loans decreased by 2.088 billion yuan year-on-year to 65.438+02.906 billion yuan; The NPL ratio decreased by 0.32 percentage points to 1.89%.
Among other banks, CCB issued new cards 1 1 10,000 last year, but the consumption transaction volume was 3.05 trillion yuan, down 3.2% year-on-year.
China Merchants Bank is still the listed bank with the largest credit card transaction volume. China Merchants Bank issued 4.23 million new cards last year, and the transaction amount of credit cards was 4.34 trillion yuan, down 0. 17% year-on-year. China Merchants Bank's financial report shows that under the background of credit card shifting from incremental market to stock market, it actively and continuously optimizes customer infrastructure, iteratively upgrades team business capabilities, and improves customer acquisition efficiency.
Industrial Bank is the only bank that has achieved double-digit growth in credit card transactions. Xingye issued 4,695,400 new cards last year; The cumulative turnover was 23 1 trillion yuan, up 17. 17% year-on-year.
From the perspective of the whole banking industry, due to the epidemic situation, the credit card strategy development strategies of state-owned banks and joint-stock banks have changed significantly. Credit card loans (overdraft, installment) are very different.
China Construction Bank, Agricultural Bank of China, Postal Savings Bank in state-owned banks, China Merchants Bank and Xingye in joint-stock banks are still vigorously increasing credit card loans, and the scale of credit card overdrafts has increased by double digits. However, ICBC, Bank of Communications, Shanghai Pudong Development Bank, CITIC, China Everbright and Ping An, among the state-owned banks, have successively tightened credit card loans.
After this adjustment, the credit card overdraft scale of China Merchants Bank surpassed that of ICBC, second only to CCB. By the end of 2020, the credit card loans of China Construction Bank and China Merchants Bank were 825.7 1 billion yuan and 746.687 billion yuan, respectively, increasing by 65.438+0 1.40% and 65.438+0 1.27% respectively. The credit card loan scale of ICBC was 68 16 1 100 million yuan, up by 0.54% year-on-year. According to the financial report of CCB, it will deepen the ecological construction of scenes, actively promote the construction of three preferential business districts: airport high-speed rail, urban commercial complex and gas station, tap consumer's favorite consumption scenes, and increase business cooperation with head enterprises such as Alipay, JD.COM, Baidu and Meituan in joint promotion, card-tied payment and point redemption, so as to help expand domestic consumption upgrade.
The fastest growing credit card overdrafts are Postal Savings Bank and Industrial Bank. By the end of 2020, the credit card overdrafts of the two banks were 1446.4 1 100 million yuan, 3721.1700 million yuan respectively, with year-on-year growth of 17.4438+0% and1respectively. In February last year, 65438+, the Postal Savings Bank was approved by the China Banking Regulatory Commission and agreed to set up a credit card center franchise.
Credit card overdrafts of Ping An, CITIC, Bank of Communications and Pudong Development Bank contracted. By the end of 2020, the credit loans of the above four banks were 529.25 1 billion yuan, 485.232 billion yuan, 46.4 1. 1 billion yuan, and 37.21.1.70 billion yuan, respectively, which decreased year-on-year.
Credit card loan change. Ping An Bank reported that due to the epidemic, the amount of credit card consumption declined at the beginning of last year, and the bank actively promoted the layout of online scenes. Since March last year, daily credit card consumption has returned to the pre-epidemic level. CITIC Bank's financial report shows that it will continue to optimize the installment structure, increase the adjustment of installment transactions and installment assets, and increase the proportion of bills and single installments in the business; Vigorously expand scenario staging, drive customer staging demand with diversified scenarios, and tap new business growth points.
Among the eight listed banks that disclosed credit card asset quality data, the non-performing loan ratio of other banks rose across the board, except for ICBC's shrinking business.
The highest non-performing loan ratio of credit cards is Minsheng Bank. By the end of 2020, the non-performing loan ratio of Minsheng Bank was 3.28%, up 0.80 percentage points from the end of last year. Minsheng Bank said frankly in its financial report that since the COVID-19 epidemic, the economic environment has been greatly impacted, the repayment ability of some industries has declined, the credit card loan risk has been exposed at an accelerated pace, and the overall risk of credit card loans in the banking industry has shown an upward trend. In 2020, the overdue rate of new households was 0.5%, a year-on-year decrease of 0.38 percentage points. In the second half of 2020, new non-performing loans decreased by 25.88 percentage points compared with the first half.
Minsheng Bank said that from the NPL ratio results, the NPL ratio of credit cards is relatively high among peers, one of the main reasons is that credit card write-off and securitization of non-performing assets need to be strengthened. After the resumption of the disposal of non-performing assets this year, the non-performing loan ratio of our credit card is at a medium level among peers, and we will intensify the disposal of non-performing loans in the future.
By the end of 2020, the NPL ratios of Ping An, CITIC, Xingye and Pudong Development Bank were 2. 16%, 2.38%, 2. 16% and 2.52%, respectively, which were 0.5, 0.64, 0.69 and 0.22 percentage points higher than the end of last year.
The non-performing rate of credit cards of CCB and China Merchants Bank is still below 2%, which was 1.40% and 1.66% at the end of last year, up by 0.37 and 0.3 1 percentage point respectively.
The banking industry is still not optimistic about the quality of 202 1 credit card assets. The financial report of Industrial Bank shows that in 20021year, the credit card business is still in the risk release period. If the impact of COVID-19 epidemic continues to be released, the asset quality will still face certain pressure. According to the financial report of China Merchants Bank, looking forward to 20021,it is expected that the risk management and control of consumer credit business will continue to face pressure due to the uncertainty of epidemic situation, residents' employment, income and consumption recovery, debt risk and other factors. According to the financial report of CITIC Bank, after the loan, it adheres to the diversified disposal method of non-performing assets in parallel with cash collection, routine write-off and securitization of non-performing assets. At the same time, actively explore the bulk transfer business of credit cards and go all out to reduce bad products.
For more information, please download 2 1 financial APP.
Credit card issuance ranks first in China Merchants Bank.
Which bank's credit card is the most profitable? Which bank has the most credit cards? Which bank has the highest non-performing rate of credit card loans? In 20 17, the credit card performance of the top ten banks was PK, and the credit card income of China Merchants Bank was 54.4 billion. Let's look at the details.
Various aspects of the annual report
China Merchants Bank still maintains strong growth and industry advantages. When the number of card issuance exceeded 654.38+billion, and the transaction volume and credit card income ranked first in the industry, the growth rate of the number of households in circulation, transaction volume, interest and non-interest income all increased by more than 20% in the same period, maintaining a rapid growth, while the non-performing rate of credit cards decreased by 0.29 percentage points to1.1%,maintaining a low level.
In the middle of the reporting quarter of 20 17, 13 of the 25 A-share listed banks disclosed complete annual reports, including 10 ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Minsheng Bank, China Everbright Bank and Ping An Bank.
When analyzing the performance of the bank in 20 17 to the reporter of 2 1 Century Business Herald, a joint-stock executive pointed out that in 20 17, the overall performance of the bank was good in the face of the external macro-environmental economic transformation pressure, with the strengthening of internal supervision of the banking industry and the increasing pressure of business transformation. A very important reason is that residents' consumption potential has finally begun to play, and retail business is an important factor to promote performance growth.
Credit card business, as an important part of retail business, was still fierce in 20 17, with many bright spots, judging from the ten banks that disclosed their performance.
According to the statistics of 265438+20th Century Business Herald, 10 banks issued 1.46 trillion credit cards. The credit card business has developed rapidly as a whole, the income growth rate has maintained a high level, and the overall non-performing rate has declined.
Judging from the performance of a single bank, ICBC, China Construction Bank and China Merchants Bank are still the top three card issuers, with the numbers of 65.438+0.4 billion, 65.438+0.6 billion and 65.438+0 billion respectively, of which CCB and China Merchants Bank exceeded 65.438+0 billion for the first time. From the perspective of card transaction amount and credit card business income, China Merchants Bank ranked first with income of 2.97 trillion yuan and 54.4 billion yuan.
How many people have overdrawn their credit cards?
At present, there are no official statistics on how many people have overdrawn their credit cards, but we can still infer a rough figure from some credit card statistics.
1, the number of credit cards currently used.
According to the relevant data of "Overall Operation of Payment System in 20 18" issued by the Central Bank, by the end of 20 18, the total number of credit cards and debit cards issued in China was 686 million.
2. Credit card credit limit
By the end of 20 18, the cumulative credit line of China's credit cards was 15.4 trillion RMB, and the average credit line per card was about 22,448 RMB.
3. Credit card overdraft balance
By the end of 20 18, China's credit card overdraft balance was about 6.85 trillion yuan, with an average overdraft balance of 9985 yuan per card;
4. The main bank card transaction amount
In 20 18, there were 13 banks whose total credit card transactions exceeded10.5 trillion. The specific transaction amount is as follows:
The credit card transaction volume of China Merchants Bank was 3,793.8 billion yuan, a year-on-year increase of 27.74%;
The credit card transaction volume of Bank of Communications was 3,070.2 billion yuan, a year-on-year increase of 35.19%;
The credit card consumption transaction volume of CCB was 2,992.7 billion yuan, a year-on-year increase of14.27%;
ICBC's credit card consumption transaction volume was 2.9 trillion yuan, a year-on-year increase of 20.8%;
The transaction amount of Ping An Credit Card was 2,724.8 billion yuan, up 7.61%year-on-year;
The transaction amount of Everbright Credit Card was 2,288.6 billion yuan, a year-on-year increase of 36.75438+0%;
The transaction amount of Everbright Credit Card was 2211.60 billion yuan, up 341.8% year-on-year;
CITIC's credit card transaction volume reached 2086543.8+0.5 billion yuan, up 39.48% year-on-year;
The credit card transaction volume of Guangfa Bank is 2 trillion yuan.
The credit card transaction volume of Shanghai Pudong Development Bank was 65.438+80.6 billion yuan, a year-on-year increase of 565.438+0.42%;
Credit card consumption of Agricultural Bank of China175,382.9 billion yuan, a year-on-year increase of15.66%;
China Bank's credit card consumption1610.95 billion yuan, up 8.33% year-on-year;
Industrial Bank's credit card consumption 15 184 billion yuan, up 53.3% year-on-year;
5. Comprehensive reasoning
According to official data, there are definitely less than 686 million overdraft users of credit cards at present, because many people have multiple cards.
The total transaction amount of 13 banks with credit card transactions exceeding10.5 trillion is about 30 trillion, and the corresponding card issuance is about10.40 billion, but these cards are definitely not all overdrawn, because the total number of credit cards in use announced by the central bank is 686 million, but the share of 13 banks is at least 90%. 13 banks have about 620 million active credit cards, and the average annual transaction amount of each card is about 48,400 yuan.
However, according to statistics, in 20 19853, China's per capita consumption expenditure was only 19853 yuan, which was much smaller than that of a single credit card. This shows that among the 48,000 overdraft limit of a single credit card, some people may overdraw millions a year, while others may overdraw only a few hundred yuan a year. Therefore, the total number of people who use credit card overdrafts should be less than 620 million.
At present, most people who actually use credit cards are between the ages of 20 and 50, so I personally infer that the total number of people who use credit cards for overdraft should be around 500 million.
What is the limit of a single transaction of China Bank credit card?
According to the regulations of the State Administration of Foreign Exchange, cardholders are not allowed to overdraw for cash withdrawal in China, and the cash withdrawal limit of each channel is as follows:
1, ATM channel:
ATM withdrawal of Great Wall Card: the maximum daily withdrawal amount (deposit overdraft) is 20,000 yuan, and the maximum withdrawal amount of deposits in the card is 20,000 yuan, which cannot exceed the total withdrawal amount limit. The daily overdraft withdrawal amount 10000 yuan, and the single withdrawal limit is 5000 yuan.
ATM withdrawal of Bank of China card: the maximum daily withdrawal amount (deposit overdraft) is 20,000 yuan, and the maximum withdrawal amount of deposits in the card is 20,000 yuan, which cannot exceed the total withdrawal amount limit. The daily overdraft withdrawal amount 10000 yuan, and the single withdrawal limit is still 2000 yuan.
2. Counter channel: counter overdraft for cash withdrawal.
There is no limit on the daily transaction amount of Great Wall Card and China Bank Card, and all deposits can be withdrawn. The daily overdraft withdrawal limit at the counter of China Bank is adjusted to 10000 yuan.
3. Online payment channels:
The maximum amount of a single transaction and a daily transaction is 50,000 yuan, and the single limit of online payment merchants (such as Alipay and UnionPay Online) is different.
4. Online banking channels:
The daily transaction amount of the Great Wall Card is limited to 5 million yuan and cannot be overdrawn;
The daily transaction amount of the Great Wall Card is limited to 5 million yuan and cannot be overdrawn.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of credit card transaction volume and the promotion scheme of credit card transaction volume. I wonder if you found the information you need from it?