中国信用卡资讯
截至2010年底，全国累计发行银行卡241 530.9万张，较2009底增加34 936.5 万张，增长16.91%。
其中，借记卡发卡量为218 565.6万张，同比增长16.23%，占银行卡发卡量的90.49%。
信用卡发卡量为22 965.3万张，同比增长23.72%。2010年底，我国借记卡发卡量与信用卡发卡量之间的比例约为9.52:1。

中国信用卡资讯 2008-2009
截至2009年底，全国累计发行银行卡206 594.4万张，较2008底增加26 555.5 万张，增长14.75%。
其中，借记卡发卡量为188 038.8万张，同比增长13.41%，占银行卡发卡量的91.02%。
信用卡发卡量为18 555.6万张，同比增长30.37%。2009年底，我国借记卡发卡量与信用卡发卡量之间的比例约为10.13:1。

中国信用卡资讯 2007-2008
银行卡发卡量持续增加，信用卡占比进一步提高，银行卡发卡增速放缓。 截至2008年底，加入银联网络的发卡机构235家，较2007年底增加43家。其中，境内发卡机构195家，境外发卡机构40家。
截至2008年底，全国累计发行银行卡180 038.92万张(平均每人1.36张银行卡)，较2007底增加30 043.86 万张，增长16.7%，增速较2007年回落15.9个百分点。
其中，借记卡发卡量为165 806.02万张(平均每人1.25张借记卡)，同比增长17.6%，增速较上年同期回落12.8个百分点，占银行卡发卡量的92.1%，占比同比减少1.9个百分点。
信用卡发卡量为14 232.9万张(平均每人0.11张信用卡)，同比增长57.7%，增速较2007年回落24.3个百分点。2008年底，我国借记卡发卡量与信用卡发卡量之间的比例约为11.65:1。
平均每人只有0.11张信用卡的中国现示有很大市场发展空间。

国有商业银行与股份制商业银行
国有商业银行贷记卡发卡增长速度超过股份制商业银行贷记卡发卡速度。
截至2008年底，国有商业银行贷记卡累计发卡6 493.11 万张，较2007年增长77.9%，占其信用卡发卡量的78.1%。
股份制商业银行贷记卡累计发卡5 346.68万张，较2007增长59.7%，占其信用卡发卡量的96.8%。中国邮政储蓄银行开始发放贷记卡，累计发卡1.72万张。

信用卡期末信贷与期末应偿信贷总额
信用卡信用功能逐渐发挥，持续推动居民消费信贷业务快速发展。
截至2008年底，信用卡期末信贷总额9 804.57亿元，同比增长75.8%，是2006年同期的3.2倍。
期末应偿信贷总额1 582.12亿元，同比增长110.9%，是2006年同期的4.8倍。

Credit Cards in China
As at 31st December 2010, there are 2,415.309 millions bankcards issued in China, an increase of 349.365 millions or 16.91% compares to 2,065.944 millions in the same period in 2009.
Out of these, 2,185.656 millions are debit cards, an increase of of 305.268 millions 16.23% compares to 1,880.388 millions in the same period in 2009. Debit cards made up 90.49 percent of the bankcards issued.
The balance of the bankcards are made up of 229.653 millions credit cards, a significant increase of 44.007 millions or 23.72% compares to 185.556 millions in the same period in 2009. The ratio between debit cards and credit cards is 9.52 to 1.

There are 4,849.4 millions bankcard transactions in 2010, an increase of 1,358.2 millions or 38.9% compares to 3,491.2 million in 2009. The 4,849.4 million bankcard transactions in 2010 generated CNY10,429.8 billions, a significant increase of CNY3,568.5 billions or 52.01% compares to CNY6,861.3 billions in 2009.

Credit Cards in China 2008-2009
As at 31st December 2009, there are 2,065.944 millions bankcards issued in China, an increase of 265.555 millions or 14.75% compares to 1,800.389 millions in the same period in 2008.
Out of these, 1,880.388 millions are debit cards, an increase of of 222.328 millions 13.41% compares to 1,658.060 millions in the same period in 2008. Debit cards made up 91.02 percent of the bankcards issued.
The balance of the bankcards are made up of 185.556 millions credit cards, a significant increase of 43.277 millions or 30.37% compares to 142.329 millions in the same period in 2008. The ratio between debit cards and credit cards is 10.13 to 1.

There are 3,491.2 millions bankcard transactions in 2009, an increase of 845.9 millions or 31.87% compares to 2,645.3 million in 2008. The 3,491.2 million bankcard transactions in 2009 generated CNY6,861.3 billions, a whopping increase of CNY2,913.9 billions or 73.82% compares to CNY3,947.4 billions in 2008.

Credit Cards in China 2007-2008
The number of bankcards issued in China continues to increase in 2008, where credit cards accounted for majority of the increase. However, the growth rate of bankcards issued has slowed down.
As at 31st December 2008, there are 235 bankcard issuing institutions joining the China UnionPay network, 43 more than the same period in 2007. Out of these, 195 are domestic institutions and 40 are foreign institutions.
As at 31st December 2008, there are 1,800.3892 millions bankcards(1.36 bankcards per capita) issued in China, an increase of 300.4386 millions or 16.7% over the same period in 2007. However the bankcards growth rate has dropped by 15.9% compares to the same period in 2007.
Out of these, 1,658.0602 million(1.25 debit card per capita) are debit cards, an increase of 17.6% compares the same period in 2007. However the debit card growth rate has dropped by 12.8% compares to the same period in 2007. Debit cards made up 92.1 percent of the bankcards issued, down 1.9% compares the same period in 2007.
The balance of the bankcards are made up of 142.329 millions(0.11 credit cards per capita) credit cards, a significant increase of 57.7% compares to the same period in 2007. However the credit card growth rate has dropped by 24.3% compares to the same period in 2007. The ratio between debit cards and credit cards is 11.65 to 1.
With only 0.11 credit cards per capita, there is a huge potential growth for credit cards market in China.

State-owned Commercial Banks vs Private Commercial Banks
The credit cards growth rate in state-owned commercial banks is faster than private commercial banks.
As at 31st December 2008, there are 64.9311 million credit cards issued by state-owned commercial banks, a significant increase of 77.9% compares to the same period in 2007 and accounted for 78.1% of the total cards(quasi-credit cards and credit cards) issued.
In the same period, private commercial banks have issued 53.4668 million credit cards, an increase of 59.7% compares to the same period in 2007 and accounted for 96.8% of the total cards(quasi-credit cards and credit cards) issued.
In the meantime, China Postal Savings Bank started to issue credit cards as well. As at 31st December 2008, 17,200 credit cards have been issued by China Postal Savings Bank.

Credit cards outstanding balances and overdue balances
Consumer credit industry is growing rapidly and consistently with the continuous usage and acceptance of credit cards.
As at 31st December 2008, the credit card outstanding balances amounted to 980.457 billion yuan, a significant increase of 75.8% compares to the same period in 2007. This amount is 3.2 times higher compares to the same period in 2006.
In the same time, credit card overdue balances amounted to 158.212 billion yuan, a significant increase of 110.9% compares to the same period in 2007. This amount is 4.8 times higher compares to the same period in 2006.
Overall, there is a worrying trend in credit card spending and debt in China. Sooner or later, the relevant authorities have to step-in to prevent the consumer over-lending crisis which has affected countries such as South Korea and Taiwan.

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