支付指標體系框架

中國人民銀行支付結(jié)算司

4/19/2021

目錄

第一章體例說明................................................................15

第二章支付情況指標體系........................................................17

一、人口.......................................................................17

1.總?cè)丝?.................................................................17

1.1城鎮(zhèn)人口............................................................17

1.2鄉(xiāng)村人口............................................................17

二、宏觀經(jīng)濟...................................................................18

1.國內(nèi)生產(chǎn)總值（GDP）....................................................18

2.GDP增長率..............................................................18

3.人均GDP................................................................18

4.最終消費支出...........................................錯誤!未定義書簽。

5.全社會牢固資產(chǎn)投資總額................................................19

6.房地產(chǎn)開發(fā)投資總額.....................................錯誤!未定義書簽。

7.國度財務收入...........................................................20

8.國度財務支出...........................................................20

9.社會消費品零售總額.....................................錯誤!未定義書簽。

10.人均社會消費品零售額.................................................21

11.貨品進出口總額........................................................21

三、金融.......................................................................22

1.錢幣供給量.............................................................22

2.M0/GDP.................................................................22

3.現(xiàn)金...................................................................22

4.各項存款余額...........................................................23

5.各項貸款余額...........................................................23

6.商業(yè)銀行不良貸款率....................................................23

7.短期金融機構(gòu)人民幣存款基準利率.......................................24

8.短期金融機構(gòu)人民幣貸款基準利率.......................................24

9.法定存款準備金率......................................................24

10.商業(yè)銀行存款準備金額.................................................24

11.美元匯率..............................................................25

12.外匯儲備..............................................................25

四、指數(shù).......................................................................25

1.居民消費代價指數(shù).......................................................25

2.產(chǎn)業(yè)品出廠代價指數(shù)....................................................26

3.宏觀經(jīng)濟景氣指數(shù)......................................................26

第三章支付組織指標體系........................................................27

一、中國人民銀行..............................................................27

1.中國人民銀行分支機構(gòu)數(shù)量...............................................27

二、銀行業(yè)金融機構(gòu)............................................................27

【描述指標】................................................................27

1.銀行業(yè)金融機構(gòu)法人總數(shù)................................................27

1.1全國性銀行業(yè)金融機構(gòu)法人總數(shù).......................................28

1.2區(qū)域性銀行業(yè)金融機構(gòu)法人總數(shù)......................................28

2.銀行業(yè)金融機構(gòu)營業(yè)網(wǎng)點總數(shù)............................................28

【評價指標】................................................................29

3.金融機構(gòu)支付辦事籠罩率................................................29

4.每萬人金融機構(gòu)支付辦事網(wǎng)點擁有量.....................................29

【預警指標】................................................................29

三、非金融機構(gòu)支付辦事組織....................................................29

1.非金融機構(gòu)支付辦事組織總數(shù)...........................................29

第四章支付東西指標體系........................................................30

一、非現(xiàn)金支付東西總量指標....................................................30

1.非現(xiàn)金支付業(yè)務最.......................................................30

2.日均非現(xiàn)金支付業(yè)務量..................................................30

3.非現(xiàn)金支付業(yè)務量地區(qū)會合比率..........................................31

4.非現(xiàn)金支付業(yè)務量行別會合比率..........................................31

二、銀行業(yè)金融機構(gòu)提供的非現(xiàn)金支付東西.......................................31

按非現(xiàn)金支付東西業(yè)務種類分別的指標...........................................31

（-）票據(jù)..................................................................31

【描述指標】................................................................31

1.票據(jù)業(yè)務量.............................................................31

2.銀行匯票業(yè)務量........................................................32

2.1華東三省一市銀行匯票業(yè)務量.........................................32

3.商業(yè)銀行實際結(jié)清銀行匯票的業(yè)務量.....................................32

4.商業(yè)銀行未用退回的銀行匯票的業(yè)務量...................................32

5.商業(yè)匯票業(yè)務量........................................................33

5.1電子商業(yè)匯票業(yè)務量.................................................33

6.銀行承兌匯票業(yè)務量....................................................33

6.1電子銀行承兌匯票....................................................34

7.銀行承兌匯票貼現(xiàn)業(yè)務量................................................34

7.1電子銀行承兌匯票貼現(xiàn)業(yè)務量.........................................34

8.商業(yè)承兌匯票業(yè)務量....................................................35

8.1電子商業(yè)承兌匯票業(yè)務量.............................................35

9.商業(yè)承兌匯票貼現(xiàn)業(yè)務量................................................35

9.1電子商業(yè)承兌匯票貼現(xiàn)業(yè)務量.........................................36

10.商業(yè)匯票逾期墊款金額.................................................36

11.本票業(yè)務量............................................................36

12.支票業(yè)務量............................................................37

12.1支票影像業(yè)務量....................................................37

12.2空頭支票業(yè)務量....................................................37

12.3預留簽章不符支票...................................................38

【評價指標】................................................................38

一三.日均票據(jù)業(yè)務量.......................................................38

14.華東三省一市銀行匯票占銀行匯票業(yè)務量的比率...........................38

一五.實際結(jié)清銀行匯票占比................................................38

16.商業(yè)銀行未用退回的銀行匯票比率......................................39

17.銀行匯票業(yè)務量會合度.................................................39

一八.電子商業(yè)匯票業(yè)務量占商業(yè)匯票業(yè)務量的比率...........................39

19.本票業(yè)務量會合度.....................................................39

20.行內(nèi)系統(tǒng)清算的本票業(yè)務量占木票業(yè)務總量的比率.......................40

21.支票影像使用率........................................................40

【預警指標】................................................................40

22.商業(yè)匯票退票率........................................................40

23.逾期墊款金額/商業(yè)匯票總金額..........................................40

24.支票違規(guī)情況.........................................................41

25.違規(guī)支票罰款情況.....................................................41

26.違規(guī)支票業(yè)務量占比...................................................41

（二）銀行卡................................................................42

【描述指標】................................................................42

1.銀行卡發(fā)卡數(shù)量.........................................................42

1.1借記卡發(fā)卡數(shù)量......................................................42

1.2信用卡發(fā)卡數(shù)量.....................................................42

1.3信用卡當前發(fā)卡數(shù)量.................................................43

2.金融IC卡期末發(fā)卡數(shù)量.................................................43

3.銀行卡活潑卡數(shù)量......................................................44

3.1借記卡活潑卡數(shù)量...................................................44

3.2信用卡活潑卡數(shù)量...................................................44

4.銀行卡客戶數(shù)量..........................................................45

4.1借記卡客戶數(shù)量.....................................................45

4.2貸記卡客戶數(shù)量.....................................................45

4.3準貸記卡客戶數(shù)量....................................錯誤!未定義書簽。

5.睡眠卡數(shù)量..............................................................46

5.1借記卡睡眠卡數(shù)量....................................錯誤!未定義書簽。

5.2貸記卡睡眠卡數(shù)量...................................................46

5.3準貸記卡睡眠卡數(shù)量.................................................47

6.銀行卡生意業(yè)務量.......................................錯誤!未定義書簽。

6.1銀行卡存現(xiàn)業(yè)務量...................................................47

6.2銀行卡取現(xiàn)業(yè)務量...................................................47

6.3銀行卡消費業(yè)務量...................................................48

6.4銀行卡轉(zhuǎn)賬業(yè)務量...................................................48

7.信用卡還款.............................................................48

7.1貸記卡還款..........................................................49

7.2準貸記卡還款.......................................................49

8.ATM業(yè)務量..............................................................49

8.1ATM存現(xiàn)............................................................49

8.2ATM取現(xiàn)...........................................................50

8.3ATM轉(zhuǎn)賬...........................................................50

9.外卡收單................................................................50

9.1外卡收單消費........................................................50

9.2外卡收單消費........................................................51

10.境外銀行卡生意業(yè)務量..................................................51

10.1境外銀行卡消費量..................................................51

10.2境外銀行卡取現(xiàn)....................................................51

11.銀行卡期末存款余額.....................................................52

11.1借記卡期末存款余額................................................52

2貸記卡期末存款余額.................................................52

11.3準貸記卡期末存款余額...............................................52

12.信用卡期末授信總額.....................................................53

12.1貸記卡期末授信總額.................................................53

12.2準貸記卡期末授信總額...............................................53

一三.信用卡期末應償信貸總額..............................................53

一三.1貸記卡期末應償信貸總額..........................................54

一三.2準貸記卡期末應償信貸總額........................................54

14.信用卡循環(huán)信用賬戶數(shù)..................................................54

14.1貸記卡循環(huán)信用賬戶數(shù).............................................55

14.2準貸記卡循環(huán)信用賬戶數(shù)...........................................55

一五.本期累計收入.........................................................55

一五?1年費收入.........................................................55

一五.2傭金收入.........................................................56

一五.3利息收入.........................................................56

一五.4分期付款手續(xù)費收入...............................................56

一五.5處罰性收入.......................................................56

一五.6其他業(yè)務收入.....................................................57

16.損失準備...............................................................57

16.1損失準備余額.......................................................57

16.2本期沖銷...........................................................57

16.3本年累計沖銷.......................................................57

16.4本年累計偽冒損失...................................................58

16.5偽冒損失準備余額...................................................58

17.農(nóng)民工銀行卡特色辦事..................................................58

17.1農(nóng)民工銀行卡特色辦事業(yè)務量.......................................58

17.2農(nóng)民工銀行卡特色辦事網(wǎng)點數(shù).......................................59

一八.銀行卡受理情況.......................................................59

一八.1聯(lián)網(wǎng)特約商戶數(shù)量.................................................59

一八.2聯(lián)網(wǎng)新增特約商戶數(shù)量.............................................59

一八.3聯(lián)網(wǎng)P08機具數(shù)量................................................59

一八.4ATM機具數(shù)量.....................................................60

【評價指標】................................................................60

19.活潑卡比率.............................................................60

19.1借記卡活卡率......................................................60

19.2信用卡活卡率......................................................61

20.銀行卡滲透率.........................................................61

21.銀行卡卡均消費額......................................................61

22.銀行卡人均消費額.....................................................61

23.銀行卡筆均消費額.....................................................62

24.銀行卡人均擁有量.....................................................62

25.信用卡轉(zhuǎn)期比率.......................................................62

26.信用卡啟用率.........................................................62

27.信用卡月均動卡率.....................................................63

28.信用卡每卡平均透支余額...............................................63

29.信用卡短期銷卡數(shù)量...................................................63

30.信用卡短期銷卡率.....................................................63

【預警指標】................................................................64

31.逾期賬戶數(shù)............................................................64

32.逾期賬戶授信額度.....................................................64

33.未逾期的透支余額.....................................................64

34.逾期的透支余額.......................................................64

35.延滯賬戶透支余額.....................................................65

36.延滯率................................................................65

37.當年新增損失類賬戶透支余額..........................................65

38.累計損失類賬戶透支余額...............................................66

39.當前損失率............................................................66

40.延后損失率............................................................66

41.已核銷金額............................................................67

42.核銷后本期再采取金額.................................................67

43.實際核銷金額.........................................................67

44.核銷率................................................................67

45.信用卡不良透支率.....................................................68

46.本年累計貸款損失狀況.................................................68

（三）貸記轉(zhuǎn)賬..............................................................68

1.貸記轉(zhuǎn)賬業(yè)務量........................................................68

1.1普通貸記業(yè)務量......................................................69

1.2定期貸記業(yè)務量.....................................................69

（四）直接借記..............................................................69

1.直接借記業(yè)務量.........................................................69

1.1普通借記業(yè)務量......................................................69

1.2定期借記業(yè)務.......................................................70

（五）托收承付..............................................................70

1.托收承付業(yè)務量.........................................................70

（六）國內(nèi)信用證業(yè)務量......................................................71

1.國內(nèi)信用證業(yè)務量......................................錯誤!未定義書簽。

2.國內(nèi)信用證逾期墊款率..................................................7I

按非現(xiàn)金支付指令載體分別的指標...............................錯誤!未定義書簽。

（一）紙基支付..............................................................71

1.紙基支付業(yè)務量.........................................................71

（二）電子支付..............................................錯誤!未定義書簽。

【描述指標】................................................................72

1.電子支付產(chǎn)生生意業(yè)務客戶總數(shù)...........................................72

1.1網(wǎng)上銀行客戶數(shù)......................................................72

1.2電話銀行客戶數(shù).....................................................72

1.3手機銀行客戶數(shù).....................................................72

2.電子支付業(yè)務量........................................................73

2.1網(wǎng)上銀行業(yè)務量.....................................................73

2.2電話銀行生意業(yè)務量.................................................73

2.3手機銀行生意業(yè)務量.................................................73

2.4其他電子渠道生意業(yè)務量.............................................74

2.5.單位客戶電子銀行業(yè)務量............................................74

2.6小我私家客戶電子銀行業(yè)務量........................................74

【評價指標】................................................................75

3.生意業(yè)務比：紙基支付生意業(yè)務量/電子支付生意業(yè)務量...................75

4.網(wǎng)銀支付生意業(yè)務比率..................................................75

5.平均網(wǎng)銀生意業(yè)務量....................................................75

6.平均電話銀行生意業(yè)務量................................................75

7.平均手機銀行生意業(yè)務量................................................76

8.電子支付業(yè)務量行別會合比率............................................76

9.電子支付業(yè)務量地區(qū)會合比率............................................76

【預警指標】................................................................76

三、非金融機構(gòu)支付辦事組織提供的非現(xiàn)金支付東西..............................76

第五章支付系統(tǒng)指標體系........................................................77

一、支付系統(tǒng)總量指標..........................................................77

【描述指標】................................................................77

1.支付系統(tǒng)業(yè)務量.........................................................77

2.支付系統(tǒng)資金流入量....................................................77

3.支付系統(tǒng)資金流出量....................................................78

【評價指標】................................................................78

4.支付系統(tǒng)日均業(yè)務量....................................................78

5.支付系統(tǒng)筆均業(yè)務金額..................................................78

6.支付系統(tǒng)業(yè)務金顓占GDP的百分比.......................................78

7.支付系統(tǒng)地區(qū)業(yè)務量會合比率............................................79

8.支付系統(tǒng)行別業(yè)務量會合比率............................................79

9.支付系統(tǒng)資金流動量會合比率............................................79

10.支付系統(tǒng)內(nèi)部資金流動量比率...........................................80

【預警指標】................................................................80

二、人民銀行跨行支付系統(tǒng)指標.................................................80

（一）大額實時支付系統(tǒng)指標.................................................80

【描述指標】................................................................80

1.大額實時支付系統(tǒng)參加者.................................................80

1.1大額實時支付系統(tǒng)直接參加者.........................................80

1.2大額實時支付系統(tǒng)間接參加者........................................81

1.3大額實時支付系統(tǒng)特許參加者........................................81

2.大額實時支付系統(tǒng)業(yè)務量................................................81

2.1大額實時支付系統(tǒng)完成債券生意業(yè)務結(jié)算業(yè)務資金量...................82

2.2大額實時支付系統(tǒng)完成外匯生意業(yè)務結(jié)算業(yè)務資金量...................82

2.3大額實時支付系統(tǒng)完成同業(yè)拆借結(jié)算業(yè)務資金量.......................82

2.4大額實時支付系統(tǒng)完成都市商業(yè)銀行銀行匯票資金的移存和兌付資金的匯劃

結(jié)算業(yè)務資金量........................................................83

2.5大額實時支付系統(tǒng)完成同城票據(jù)互換軋差凈額結(jié)算業(yè)務資金量..........83

3.大額實時支付系統(tǒng)資金流入量............................................83

4.大額實時支付系統(tǒng)資金流出量............................................84

【評價指標】................................................................84

5.大額實時支付系統(tǒng)業(yè)務量占支付系統(tǒng)業(yè)務量的比率........................84

6.大額實時支付系統(tǒng)日均業(yè)務量............................................84

7.大額實時支付系統(tǒng)筆均業(yè)務金額..........................................85

8.日均DVP結(jié)算額........................................................85

9.大額實時支付系統(tǒng)地區(qū)業(yè)務量會合比率...................................85

10.大額實時支付系統(tǒng)參加者業(yè)務量會合比率................................85

11.大額實時支付系統(tǒng)業(yè)務金額占GDP的百分比..............................86

12.大額實時支付系統(tǒng)資金流動量會合比率..................................86

一三.大額實時支付系統(tǒng)內(nèi)部資金流動量比率.................................86

【預警指標】................................................................87

14.大額實時支付系統(tǒng)參加者退出數(shù)量........................................87

一五.大額實時支付系統(tǒng)自動質(zhì)押融資業(yè)務量.................................87

16.清算賬戶日間透支利息.................................................87

17.大額實時支付系統(tǒng)清算排隊業(yè)務量......................................88

一八.大額實時支付系統(tǒng)日終自動退回業(yè)務量.................................88

19.大額實時支付系統(tǒng)清算窗口開啟次數(shù)....................................88

20.日終軋差凈額未清算業(yè)務量.............................................88

（二）小額批量支付系統(tǒng)指標.................................................89

【描述指標】................................................................89

1.小額批量支付系統(tǒng)參加者.................................................89

1.1小額批量支付系統(tǒng)直接參加者.........................................89

1.2小額批量支付系統(tǒng)間接參加者........................................89

1.3小額批量支付系統(tǒng)特許參加者........................................90

2.小額批量支付系統(tǒng)業(yè)務量.................................................90

2.1小額批量支付系統(tǒng)定期貸記業(yè)務量....................................90

2.2小額批量支付系統(tǒng)定期借記業(yè)務量....................................91

2.3小額批量支付系統(tǒng)完成的銀行本票結(jié)算業(yè)務量.........................91

2.4小額批量支付系統(tǒng)完成的華東三省一市銀行匯票結(jié)算業(yè)務量............91

2.5小額批量支付系統(tǒng)完成的支票影像互換系統(tǒng)結(jié)算業(yè)務量.................92

2.6小額批量支付系統(tǒng)通存業(yè)務量........................................92

2.7小額批量支付系統(tǒng)通兌業(yè)務量........................................92

2.8小額批量支付系統(tǒng)完成的網(wǎng)銀貸記業(yè)務量..............................92

3.小額批量支付系統(tǒng)資金流入量............................................93

4.小額批量支付系統(tǒng)資金流出量............................................93

【評價指標】................................................................93

5.小額批量支付系統(tǒng)'業(yè)務量占支付系統(tǒng)業(yè)務量的比率........................93

6.小額批量支付系統(tǒng)日均業(yè)務量............................................94

7.小額批量支付系統(tǒng)筆均業(yè)務金額.........................................94

8.小額批量支付系統(tǒng)地區(qū)業(yè)務量會合比率...................................94

9.小額批量支付系統(tǒng)參加者業(yè)務量會合比率.................................95

10.小額批量支付系統(tǒng)定期借記業(yè)務扣款樂成率..............................95

11.小額批量支付系統(tǒng)資金流動量會合比率..................錯誤!未定義書簽。

12.小額批量支付系統(tǒng)內(nèi)部資金流動量比率..................................96

【預警指標】................................................錯誤!未定義書簽。

一三.小額批量支付系統(tǒng)參加者退出數(shù)量.....................................96

14.小額批最支付系統(tǒng)軋差排隊業(yè)務量........................................96

一五.小額批量支付系統(tǒng)日終自動退回業(yè)務量.................錯誤!未定義書簽。

16.小額批量支付系統(tǒng)凈借記限額可用比率..................................97

17.小額批量支付系統(tǒng)凈借記限額均衡......................................97

（三）支票影像互換系統(tǒng)指標.................................................98

【描述指標】................................................................98

1.支票影像互換系統(tǒng)參加者數(shù)量............................................98

2.支票影像互換系統(tǒng)業(yè)務量................................................98

3.支票影像互換系統(tǒng)退票量................................................98

4.支票影像業(yè)務流入量....................................................98

5.支票影像業(yè)務流出量....................................................99

【評價指標】................................................................99

6.支票影像互換系統(tǒng)業(yè)務量占支付系統(tǒng)業(yè)務量的比率........................99

7.支票影像互換系統(tǒng)日均業(yè)務量............................................99

8.支票影像業(yè)務筆均金額.................................................100

9.支票影像互換系統(tǒng)地區(qū)業(yè)務量會合比率..................................100

10.支票影像互換系統(tǒng)行別業(yè)務量會合比率.................................100

11.同城支票影像業(yè)務量占比..............................................101

【預警指標】...............................................................101

12.支票影像業(yè)務退票率..................................................101

（四）同城票據(jù)清算系統(tǒng)指標.................................................101

【描述指標】................................................................101

1.同城票據(jù)互換機構(gòu)數(shù)量..................................................101

2.同城票據(jù)清算系統(tǒng)業(yè)務量...............................................102

【評價指標】........