作为中国最大的国际化都市，上海信用卡市场发展一直走在全国前列。最新数据显示，截至2012年末，上海信用卡发卡存量2059万张，同比增长13.57%，授信规模2650亿元，同比增长29.33%。全年刷卡消费量3110亿元，同比增长44.38%；实现各项收入78亿元，同比增长50.46%。主要指标全部实现两位数以上增长。

As China's largest international metropolis,Development of credit card market in Shanghai has been on the top.According to the latest figures,By the end of 2012,Shanghai card stock 20.59 million credit CARDS,Up 13.57% from a year earlier,Letter size, 265 billion yuan,Up 29.33% from a year earlier.The brush calorie of consumption totaled 311 billion yuan,Up 44.38% from a year earlier;Realization of revenue was 7.8 billion yuan,Up 50.46% from a year earlier.All major indicators achieve double-digit growth.

　　据最新央行报告，截至2012年末，全国信用卡累计发卡量为3.31亿张。全国人均拥有银行卡2.64张、信用卡0.25张，北京、上海信用卡人均拥有量远高于全国平均水平，分别达到1.47张、1.16张。2012年，全国发生银行卡消费金额20.83万亿元，信用卡授信总额3.49万亿元。

According to the latest central bank report,By the end of 2012,The national credit card hairpin quantity is 331 million copies.The national per capita 2.64 beds have a bank card/0.25 credit CARDS,Beijing/Shanghai card per capita is much higher than the national average,1.47 a, respectively/1.16 a.In 2012,,The national bank card consumption amount is 20.83 trillion yuan,Credit card credit amount RMB 3.49 trillion.

　　一直以来，上海各相关部门和金融机构不遗余力优化用卡环境，创新用卡服务。2012年，人民银行上海分行重点支持改善郊区支付服务环境，农行上海市分行“智付通”终端走进了农村，上海农商银行的鑫福农卡帮助农民实现了“一卡在手，存贷全有”。去年，由上海银监局倡导、上海市银行同业公会组织，农业银行、建设银行、交通银行、招商银行(600036,股吧)、浦发银行(600000,股吧)、兴业银行(601166,股吧)和上海银行等7家在沪总行信用卡中心共同发起“在沪总行信用卡中心联席会议”在沪成立，为上海信用卡市场健康发展起到积极作用。

Has always been,Shanghai all related departments and financial institutions to spare no effort to optimize the environment of card,Service innovation with card.In 2012,,The people's bank of China Shanghai branch key support to improve the suburbs payment service environment,Agbank's Shanghai branch"Wisdom FuTong"Terminal into the countryside,Shanghai xin fu of merchant bank farmers CARDS to help farmers realized"One card in hand,All deposit".Last year,,Promoted by Shanghai branch/Shanghai banking association organization,Agricultural bank of China/China construction bank/Bank of communications/China merchants bank(600036,stocks)/Shanghai pudong development bank(600000,stocks)/Societe generale(601166,stocks)Seven head office in Shanghai and Shanghai Banks such as credit card center"Joint meeting in the center of the Shanghai headquarters of the credit card"Set up in Shanghai,For the healthy development of the credit card market in Shanghai.

　　今年1月，在2012中国零售银行业峰会上，交通银行信用卡斩获了“信用卡业务消费者满意度奖”。从国内首创不指定商户和商品的“想分就分”分期业务、没有信用卡也可即时申请分期的“分期宝”以及“好享贷”大额自动分期，到业内首创“两次扣款”服务，再到首家推出全新2代“e办卡”智能终端系统，交通银行信用卡产品和服务始终力争走在行业前列。

In January of this year,China's retail banking summit in 2012,Bank of communications of the credit card"Credit card business customer satisfaction award".Do not specify a merchant and commodities from domestic initiation"Want to point points"Installment business/No credit card also can be apply for installment immediately"Installment treasure"As well as"Enjoy good credit"Large automatic installment,To the industry in the first"Two deductions"service,To the first new generation 2"E to do card"Intelligent terminal system,Bank of communications credit card products and services always strive to walk in the industry forefront.

　　日前，浦发银行完成了全行现金类自助设备（包括ATM取款机、CRS存取款一体机）的金融IC卡受理改造，成为业内首家全面支持金融IC卡接触式、非接触式受理的银行。他们设立了35项关键服务质量指标，覆盖发卡、交易清算、市场活动、客服热线、客户投诉处理、账单质量各方面。除常规客服热线外，他们还增设微博、在线客服等客户服务渠道，提升服务质量。

recently,Shanghai pudong development bank finished selling cash self-help equipment(Including the ATM/CRS different all-in-ones)Financial IC card to accept the modification,Become the industry's first comprehensive support financial IC card contact/Non-contact accepted by the bank.They set up 35 key quality indicators,Covering hairpin/Trade settlement/Market activity/Customer service hotline/Customer complaint handling/Bill quality in all aspects.In addition to the regular customer service hotline,They also add weibo/Online customer service and customer service channels,Improve service quality.

　　上海各银行不断创新卡服务，中行上海市分行与世界零售业巨头麦德龙集团签署单用途预付卡业务合作协议，成为该集团在华发行单用途预付卡的合作银行，在便利公众支付、促进居民消费方面发挥示范作用。光大银行(601818,股吧)在沪首推“先出卡后出钞”，保障客户资金安全。浙江泰隆商业银行推“融易通卡”，助力上海小企业融资。

Shanghai each bank card service innovation,The bank of China Shanghai branch and the world retail giant metro group signed a single use prepaid card business cooperation agreement,Become the group distribution list in China USES the cooperative bank prepaid card,In convenience for the public to pay/Play an exemplary role to promote residents' consumption.Everbright bank(601818,stocks)In Shanghai first"After first out card out of money",To ensure the safety of client funds.Zhejiang tyrone Banks push"Melting easypass",Helping Shanghai small business financing.

　　上海信用卡市场水平不断提升。目前，落户上海的7家总行级信用卡中心信用卡累计交易量超过2万亿元，占到全国市场份额的三成以上。去年，全市信用卡不良率1.75%，虽同比增长了0.25个百分点，但仍处于全行业较低水平。“上海的信用卡产业发展是稳健有效的，正对全国信用卡行业产生积极影响。”上海银监局纪委书记张荣芳如是表示。

Shanghai rising credit card market level.At present,In Shanghai head office, seven level credit card credit card center the cumulative volume more than 2 trillion yuan,Account for more than thirty percent of the national market share.Last year,,The city's credit card defective rate 1.75%,Although year-on-year growth of 0.25%,But is still in the industry a lower level."Shanghai's credit card industry development is robust and effective,Is a positive impact on the credit card industry."Shanghai branch secretary of the discipline inspection commission Zhang Rongfang said.