新京报讯 （记者苏曼丽）刷卡手续费昨天起正式调整，较之前总体下降20%，对于商户而言将节省多少手续费支出？银行又因此少赚多少？央行相关负责人昨天首度给出一组具体数据，以2012年刷卡消费额为基准进行测算，此次调整将减少商户年手续费支出超过75亿元。

Beijing - (The reporter Su Manli)Swipe fees yesterday formally adjustment,A 20% drop in overall than before,Will save much fee spending for merchants?Bank and therefore earn much less?The relevant person in charge of central bank is given a set of specific data for the first time yesterday,Credit card spending in 2012 as a benchmark for measuring,The adjustment will reduce fees merchants years spending more than $7.5 billion.

　

　减少银行中间业务收入 Reducing bank intermediary business revenue

　　按照调整方案，此次刷卡费率总体下调幅度在23%至24%。餐娱类、一般类、民生类和公益类四大类商户，前三类收费标准分别由原先的2%、1%、0.5%，降至1.25%、0.78%、0.38%；公益类仍为0%。

According to the adjustment scheme,The charge rate in 23% to 24% declines in overall.Meal entertainment class/General class/The people's livelihood and the public class four categories of merchants,Before three kinds of charging standards, respectively from the original 2%/1%/0.5%,Down to 1.25%/0.78%/0.38%;Social class is still 0%.

　　银行卡刷卡手续费标准调整主要涉及商户为收单服务所支付的费用，不会增加持卡人的负担，而收取刷卡手续费的银联、银行和一些第三方支付公司则会因此减收。

Bank card fees standard adjustment mainly involves the merchants to accept single service fees,Will not increase the burden of the cardholder,The union pay credit card fee/Some Banks and third-party payment companies will therefore be levied.

　　央行相关负责人昨天表示，以2012年刷卡消费额为基准进行测算，此次调整将减少商户年手续费支出超过75亿元，下降幅度超过20%。在一定时期内对商业银行的中间业务收入带来一定影响，其银行卡业务经营面临一定财务压力。

The relevant person in charge of the central bank said yesterday,Credit card spending in 2012 as a benchmark for measuring,The adjustment will reduce fees merchants years spending more than $7.5 billion,Drop by more than 20%.In a certain period of a certain influence on the commercial bank intermediary business revenue,The bank card business management facing a certain financial pressure.

　

　银联一年减收超过7.5亿元 Unionpay reduce the more than 750 million yuan a year

　　按照目前的商业模式，商户要使用POS机就需要支付刷卡手续费，而刷卡手续费则是发卡行、收单行、银联按照7:2:1进行分配。如果消费者拿着工行的卡到农行布设的POS机上刷卡消费，产生了10元的手续费收入，那么工行拿走7元，农行拿走2元，银联赚走剩下的1元。按此分账模式粗略计算，银联在此次调价方案后，此项收入将减少7.5亿元。此外，银联在收单市场也有相当的份额，但未公布具体数据，因此其收入损失将超过7.5亿元。

According to the current business model,Merchants to use POS will need to pay fees,And credit card fees is card issuers/Accept line/Unionpay according to 7:2:1.If consumers with icbc card to agbank's setting of the POS brush calorie of consumption,Had a 10 yuan fee income,So icbc took 7 yuan,Agricultural bank to take away 2 yuan,Unionpay to make the rest of the 1 yuan.Click here to the fashionable rough calculation,Unionpay after the pricing scheme,The income will be reduced, 750 million yuan.In addition,Unionpay in single also has considerable market share,But did not disclose data,So the lost revenue will exceed 750 million yuan.

　　此前有媒体报道称，截至2011年末，中国银联资产规模达到人民币138亿元，营业收入约60亿元，净利润突破10亿元。以此计算，这意味着此次下调刷卡手续费，银联的年营业收入将减少超过10%。但该数据未得到银联方面的证实。

Earlier media reports said,By the end of 2011,China unionpay assets reached 13.8 billion yuan,Operating income of about 6 billion yuan,Net income reached 1 billion yuan.This calculation,This means that the cut fees,Unionpay's annual operating income will be reduced more than 10%.But the data has not been unionpay has confirmed.

　　

房地产汽车手续费上调 Real estate car fee increase

　　值得注意的是，并非所有行业的刷卡手续费都下调，在此次调整方案中，房地产、汽车销售类商户的刷卡手续费不降反升。

It is worth noting,Not all industries swipe fees are lower,In the adjustment scheme,The real estate/Car sales class merchants don't charge handling fee.

　　根据央行此前规定，房地产、汽车销售类商户的刷卡手续费比照一般类型商户的办法和标准收取，刷卡手续费为1%，最高不超过50元。但在新规中，房地产和汽车销售被划归到餐娱类商户，手续费变为1.25%，最高封顶涨至80元。

According to the regulations of central bank,The real estate/Car sales class merchants to charge fees according to the general types of merchants and charge standard,Swipe fees to 1%,Highest do not exceed $50.But in the new rules,Property and car sales have been into the meal entertainment businesses,Commission to 1.25%,Top cap rose to 80 yuan.

　

　部分手续费消费者承担 Part poundage consumers bear

　　央行相关人士解释称，近年来，房地产、汽车、批发类行业单笔刷卡金额不断上升，远高于一般消费刷卡金额，对发卡机构的资金占用较大，其相应的风险管理成本也日益增加，原有的手续费封顶已经无法弥补银行卡刷卡的机具、通讯、风险管理，特别是资金成本。因此，适当提高了单笔手续费封顶值。

Central bank officials explained,In recent years,The real estate/car/Single brush card amount rising wholesale industry,Far above the average consumer purchases,Bigger capital takes up on the card issuers,The corresponding risk management costs are also increasing,The original fee cap has been unable to make up for the bank card credit card machines/communication/Risk management,In particular, the cost of capital.so,Appropriate to improve the value of single fee cap.

　　回龙观一位汽车经销商告诉记者，刷卡手续费封顶值提高影响并不大，一笔就是几十块钱的事儿。并且，刷卡手续费也有一部分是消费者承担，现在买车如果是刷一张卡，经销商都给免费，如果刷第二张卡则要收取消费者50块钱的刷卡手续费。记者了解到，在房地产销售中也存在同样的情况，一般免费刷三张卡，超过之后也要支付一定的刷卡手续费。

Huilongguan a car dealer told reporters,Swipe fee cap values increase impact is not big,Is a few money.and,Swipe fees are a part of the consumer's account,Now to buy a car if it is a brush card,All dealers for free,Brush the second card will be charged if customer charge fee of 50 yuan.The reporter understands,The same is true in the real estate sales,Generally three CARDS free of charge,After more than also pay certain fees.

　

　银行对策：多行信用卡优惠缩水 Banks countermeasures:Multi-line shrinking credit card offers

　

　业内称，手续费降低直接影响信用卡业务 According to the industry,Fees reduce directly affect the credit card business

　　“在目前的手续费水平下，大部分机构的银行卡业务、尤其是信用卡业务处于微利和亏损边缘，刷卡手续费降低，直接减少了信用卡业务收入，资金的不足可能会影响营销活动的开展及积分换购的优惠力度。”一家股份制商业银行信用卡中心总经理昨日向新京报记者表示。

"In one's current level of fees,Most of the bank card business/Especially the credit card business in small profit and loss of edge,Credit card fees,Directly reduce the credit card business income,Capital shortage will affect the marketing activities carried out and the integral for discount."A joint-stock commercial bank credit card center general manager yesterday told the Beijing news reporter.

　　据了解，目前已经有银行开始行动。广发银行从2月1日起，就将商旅白金卡每月积分中多倍赠送部分上限定为100万分(不含基础单倍积分)，超出上限部分将不享受多倍积分赠送。

We have learned,Is there a bank now.Wide hair negotiable bank from February 1,Will business travel in the platinum card points many times in the present part of the cap per month 100(Do not contain integral based single times),Beyond the limit part will not enjoy many times points presented.

　　包商银行信用卡积分从昨天起开始调整，宾馆、餐饮、娱乐、珠宝金饰、工艺美术品类商户，每消费1.5元积1分，而此前为每消费1元积1分；房产、汽车、典当、拍卖、信托类商户，每消费1.5元积1分，封顶3000分。

Contractor's bank credit card points from yesterday began to adjust,The hotel/Food and beverage/entertainment/Jewelry, gold/Arts and crafts category merchants,Consumption is 1.5 yuan per 12 minutes,And after spending 1 yuan for each one;Real estate/car/pawn/The auction/Trust class of merchants,Consumption is 1.5 yuan per 12 minutes,Cap 3000.

　　中国银行自3月1日起调整白金信用卡积分规则，中国银行白金信用卡在中国境内交易每消费1元人民币累积1分，其余国家和地区每消费1元人民币累积2分、消费1美元累积14分，取消了一些法定假日境内消费还会有双倍积分、境外4倍。

Adjustments since March 1, the bank of China platinum credit card integral rules,The bank of China platinum credit card transactions in China accumulated spending RMB 1 per 1 minute,The rest of the countries and regions accumulated spending 1 RMB per 2 points/$1 of consumption accumulated 14 points,Cancelled some legal holiday consumption in China will also have a double integral/Outside four times.

　　上述银行人士表示，对商户和持卡客户的每笔刷卡交易，银行均需要消耗较高的科技系统开发和运营成本、银行卡发行和后续服务成本、欺诈等风险管理成本、人力和机构运营成本、收单设备投入和管理等成本，信用卡交易还需承担巨大的资金成本和坏账损失成本。为了应对手续费下调，银行一方面将开拓更多的POS用户，另一方面提升每张信用卡交易量，将“睡眠卡”变成“活卡”，将“低价值卡”变成“高价值卡”。

The bank said,Effort for merchants and customers every brush card transactions,Banks need to consume high technology systems development and operations costs/Bank card issue and follow-up service costs/Fraud risk management costs/Human and institutional costs/Single investment of equipment and management costs,Credit card transactions still need to bear the enormous cost of capital and the costs of bad debt losses.In response to the charges,Banks on the one hand, users will develop more POS,On the other hand enhance each credit card transactions,Will be"Sleep card"Become a"Live card",Will be"Low value of the card"Become a"High value of the card".

　　

企业声音 Enterprise voice

　　

个体餐饮店老板：生意做大前不会装POS机 Individual establishments were the boss:Not installed POS before it big in business

　　昨日是刷卡手续费调整的第一天，餐饮类商户的调降幅度最大，是此次调整的最大受益者。记者就此事询问了几家餐饮企业的负责人。

The first day of the pay credit card fee adjustment yesterday,Biggest cut food service businesses,The biggest beneficiaries is the adjustment.Reporters asked about this a few head of catering enterprises.

　　全聚德市场营销部经理刘辉称，不久前曾经听说过刷卡费率有望下调的消息，但不知此政策已开始施行。

Quanjude, the Marketing Department manager liu said,Not long ago had heard of the news of the charge rate is expected to cut,But I don't know this policy has been initiated.

　　顺峰酒店一位负责人也表示未获悉此事。不过她告诉记者，以往该店的顾客以刷卡消费占大多数，刷卡费率如能从2%下调到1.25%，对店里利润的增长应该会有一定带动。

Shun feng hotel is a chief also said he did not know it.But she told reporters,Before the shop customers to brush calorie of consumption accounted for most,Credit card rates from 2% to 1.25%,Must drive of profit growth should be in the store.

　　但也有部分个体餐饮店老板对此事并不关心。位于东直门附近的一家个体火锅店老板告诉记者，他一年的营业额大约有80多万，而利润约在10万左右，即使按照消费额的1.25%来支付刷卡手续费成本，“扣的钱还是太多了。”他说“不管调到百分之多少，对我没影响。”这位个体老板表示，他没有安装POS机，在生意规模扩大之前，也不打算安装。

But there are also some individual restaurants boss doesn't care about it.Individuals located in dongzhimen, near a hot-pot restaurant boss told reporters,His year's turnover is about more than 80,The profit of about at around 100000,Even by 1.25% to pay for the charge fee costs,"Buckles money or too much."He said"No matter to what percentage,No influence on me."The individual's boss, says,He did not install the POS,Before the business scale,Also don't want to install.

　

　专家：“银行应通过创新做大蛋糕” experts:"Banks should do big cake through innovation"

　　中央财经大学银行研究中心主任郭田勇表示，刷卡手续费下调对银行的一些部门，如信用卡中心等影响较大，但整体上来说对银行业没有太大影响。

Said guo tianyong, director of the central university of finance and banking research center,Swipe fees lowered to some departments of the bank,Such as credit card center,But it will not much affect the banking sector as a whole.

　　他认为，从静态来看，手续费降低会使银行收入大为减少，但长期来看，银行应通过创新将蛋糕做大。银行可以争取以量补价；进一步将信用卡的信用内涵做实，实现收入来源多元化，改变以往过高依赖佣金收入的状况。新京报记者 苏曼丽

He thinks that,In the static,Handling charge will reduce has greatly reduced the bank income,But in the long run,Banks should through innovation will make big cake.Banks can strive for in order to boot;Further will do real connotation of the credit card of credit,Diversifying sources of income,Change past too rely on commissions.The Beijing news reporter Su Manli

　

　相关：借记卡信用卡酝酿区别定价 Related to the:Debit card making difference pricing

　　成本较高的信用卡和成本较低的借记卡刷卡手续费可能区别对待。

The high cost of lower cost of credit card and debit card swipe fees may be treated differently.

　　央行相关负责人昨天表示，长远来看刷卡手续费标准还应综合考虑不同的银行卡产品，比如借记卡和信用卡进行区分定价，逐步建立和完善银行卡市场定价机制。

The relevant person in charge of the central bank said yesterday,Long term fees standards should also be comprehensive consideration of different card products,Such as debit CARDS and credit CARDS to distinguish pricing,Gradually establish and improve the bank card market pricing mechanism.

　　该负责人称，对银行来讲，因为存在透支以及形成的呆坏账，支持持有者消费的积分、促销活动等因素，信用卡的成本比借记卡更高，应当予以区分。

The responsible person,For example, in the case of the bank,Because of overdraft and the formation of non-performing loans,Support holders to points of consumption/Promotional activities and other factors,The cost of credit card is higher than debit CARDS,Should be to distinguish between.

　　目前借记卡的刷卡收费水平偏高，而贷记卡的还是比较低。

At present the level of debit card swipe fees is on the high side,And debit CARDS is relatively low.

　　今后应该由相关市场主体在有序竞争的环境下通过协商自主定价，逐步建立和完善银行卡市场定价机制。

In the future should be determined by the relevant market main body in orderly competition environment independent pricing through consultation,Gradually establish and improve the bank card market pricing mechanism.

　　不过，有关人士也表示，银行卡手续费调整是持续的过程，在一段时间内还将维持相对稳定。

but,Authorities also said,Bank card fees is a continuous process of adjustment,Over a period of time will remain relatively stable.