The China Banking Association recently released the "Blue Book of China's Bank Card Industry Development (2016)". According to the Blue Book, in 2015, the number of newly issued cards in China's bank cards was 640 million, the total number of cards issued was 5.61 billion, and the per capita card was 4.09; the total transaction amounted to 1420.8 trillion yuan, an increase of 86.9% over the previous year. In addition to the substantial increase in the number of bank cards, the annual bank card penetration rate reached 48.0%, an increase of 0.3 percentage points over 2014, for three consecutive years. At the same time, the potential risk of credit remained at a low level. The total amount of outstanding credits overdue for half a year was 38.03 billion yuan, a 6.3% increase from 2014, a decrease of 35.7 percentage points. The current loss rate at an annual rate was 1.42%, which was higher than the same period last year. 0.43 percentage points. In 2015, the domestic acceptance market environment was further improved, and innovative trading channels such as the Internet and mobile terminals developed rapidly. In 2015, there were 4.666 million merchants in China, a total of 16.7 million, an increase of 38.8% over the beginning of the year; the number of POS terminals receiving credit cards in China increased by 6.86 million in the same year, reaching a total of 22.821 million units, an increase of 43.2% over the beginning of the year; The domestic ATM machine added 252,000 units in the same year, a total of 867,000 units, an increase of 41.0% over the beginning of the year. However, it cannot be ignored that with the rapid development of the Chinese bank card industry, the issue of payment security has become increasingly prominent. With the influx of new market players such as third-party payment institutions and outsourcing companies into the bank card market, the market pattern dominated by commercial banks has been broken. In order to chase profits and seize the market, some institutions arbitrarily violate the regulations with the banner of innovation, seriously endangering the financial order and market security, and the market management order needs to be improved. In addition, the bank card industry has a wide range of applications for new technologies and models. This has not only inserted the wings of innovation in the development of the industry, but also brought challenges in risk management and control. Recent incidents such as customer information disclosure should be taken seriously by all practitioners. The relevant person in charge of the China Banking Regulatory Commission said that in the future, security is still a prerequisite for the healthy development of the bank card industry.
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China's bank cards have issued more than 5.6 billion cards per card.