Development and Reform Commission, the Central Bank: significantly reduced credit card swipe fees
People Beijing, March 18, according to the national development and Reform Commission′s Web site, in order to further reduce business operating costs, and promote the sustained and healthy development of China′s bank card industry, recently, the State development and Reform Commission, people′s Bank issued a circular, improve bank card swipe fee pricing mechanisms, on the whole, significantly reduced the level of charges.
Bank card credit card handling fee is mainly charged by acquirers charge service fees, charged by the card issuer issuer services fees and bank card network service charges charged by the clearing house. This policy adjustment to promote market-oriented reforms and reduced-fee burden-oriented, involving management of Government pricing scope, approach, and cancel the merchant trade, pricing, a debit and credit card billing differences and other items, on the whole, significantly reduced the level of rates. One is to reduce the level of issuer services fees rates. Issuer services fees do not distinguish between business class and Government guidance prices, upper management, and the debit card, credit card (usually a credit card) billing differences. Rates lower for debit-card transactions do not exceed 0.35% of the transaction amount, credit card transaction does not exceed 0.45%. Second, reduce the level of network service charge rates. Network service charges do not distinguish between business class and Government guidance prices, upper management, respectively, to acquiring, card issuers charged. Rates level is reduced to no more than the amount of transaction 0.065%, by issuing, acquiring agencies assumed the 50% (that is, to the card issuers, acquirers charge rate shall not exceed the amount of transaction 0.0325%). Third, adjust the issuer controls for five, network service charges or fees. Issuer services fees debit card transaction fee amount is not more than 13 Yuan, credit card transaction shall not be single-fee cap control; network service does not differentiate between debit and credit cards, transaction fees of not more than 6.5 trillion yuan (respectively to the merchant, card issuers charged when, single fee shall not exceed the amount of 3.25). Part IV is the merchant issuer services fees, network service fee rate incentives. Non-profit medical institutions and other users of issuer services fees, network service full relief is closely related to daily life of the people of supermarkets and other businesses, this credit card fees adjustment measures implemented from the transitional period of 2 years, in accordance with the level of rates remained generally stable principles of issuer services fees, preferential rates for network services. Market-regulated prices is to a single surcharge of five, composed of acquirers and business consultations to establish a specific rate.
The policy adjustment of credit card fees, mainly reducing business operating costs, does not involve charges to card consumers. Implementation Hou, competition more full of received single link service fee implemented market regulation price, conducive to play market mechanism role, keep rates level reasonable stable, promote received single institutions constantly innovation service way, and improve service quality; catering, industry merchant loan remember card, and debit card trading issuing line service fee, and network service fee rates total can respectively reduced 53%-63%, Department store, industry merchant can reduced 23%-39%; supermarket, merchant will through implemented offers measures in reform transition period within keep rates level General stable. Preliminary estimates, various types of businesses together can reduce credit card fees each year amounts to around 7.4 billion yuan, to improve the business operating environment, will expand the scale of coverage of bank card transactions and transactions, stimulating consumption, promoting the flow of Commerce and health play an active role in the development of bank card industry.
The perfect credit card swipe fee pricing policy, and adjust the content, involving wide. Notification request relevant departments and units of the meticulous organization and coordination, actively, safely to do debugging, such as preparation for the implementation of the reform measures. Adjusted credit card fee policy will be implemented with effect from September 6, 2016.
Next, the national development and Reform Commission, the people′s Bank will also be based on the bank card market and business development needs of various industries, continue to promote the card fee pricing mechanism reform
(Editors: Pan Yi burn UN657)
2016-03-18 15:38:00
People′s daily online

发改委、央行：将较大幅度降低银行卡刷卡手续费
人民网北京3月18日电 据国家发改委网站消息，为进一步降低商户经营成本，促进我国银行卡产业持续健康发展，近日，国家发展改革委、人民银行印发通知，完善银行卡刷卡手续费定价机制，从总体上较大幅度降低收费水平。

　　银行卡刷卡手续费主要是收单机构收取的收单服务费、发卡机构收取的发卡行服务费和银行卡清算机构收取的网络服务费。这次政策调整以推进市场化改革和降费减负为导向，涉及调整政府定价管理范围、方式，取消商户行业分类定价，实行借、贷记卡差别计费等多项内容，从总体上较大幅度降低了费率水平。一是降低发卡行服务费费率水平。发卡行服务费不区分商户类别，实行政府指导价、上限管理，并对借记卡、贷记卡（通常指信用卡）差别计费。费率水平降低为借记卡交易不超过交易金额的0.35%，贷记卡交易不超过0.45%。二是降低网络服务费费率水平。网络服务费不区分商户类别，实行政府指导价、上限管理，分别向收单、发卡机构计收。费率水平降低为不超过交易金额的0.065%，由发卡、收单机构各承担50%（即分别向发卡、收单机构计收的费率均不超过交易金额的0.0325%）。三是调整发卡行服务费、网络服务费封顶控制措施。发卡行服务费借记卡交易单笔收费金额不超过13元，贷记卡交易不实行单笔收费封顶控制；网络服务费不区分借、贷记卡，单笔交易的收费金额不超过6.5元（即分别向收单、发卡机构计收时，单笔收费金额均不超过3.25元）。四是对部分商户实行发卡行服务费、网络服务费费率优惠措施。对非营利性的医疗机构等用户实行发卡行服务费、网络服务费全额减免；对与人民群众日常生活关系较为密切的超市等商户，在本次刷卡手续费调整措施正式实施起2年的过渡期内，按照费率水平保持总体稳定的原则实行发卡行服务费、网络服务费费率优惠。五是收单服务费实行市场调节价，由收单机构与商户协商确定具体费率。

　　此次刷卡手续费政策调整，主要降低了商户经营成本，不涉及向持卡消费者收费。实施后，竞争较为充分的收单环节服务费实行市场调节价，有利于发挥市场机制作用，保持费率水平合理稳定，促进收单机构不断创新服务方式、提高服务质量；餐饮等行业商户贷记卡、借记卡交易发卡行服务费、网络服务费费率合计可分别降低53%—63%，百货等行业商户可降低23%—39%；超市等商户将通过实行优惠措施在改革过渡期内保持费率水平总体稳定。初步测算，各类商户每年合计可减少刷卡手续费支出约74亿元，有利于改善商户经营环境，将对扩大银行卡刷卡交易覆盖范围和交易规模，拉动消费，促进商贸流通和银行卡产业健康发展发挥积极作用。

　　这次完善银行卡刷卡手续费定价机制政策性强，调整内容多，涉及方面广。通知要求各有关部门和单位精心组织、协同配合，积极、稳妥做好系统调试等改革措施的实施准备工作。调整后的刷卡手续费政策将于2016年9月6日起正式实施。

　　下一步，国家发展改革委、人民银行还将根据银行卡市场和各行业商户发展需要，继续推进刷卡手续费定价机制市场化改革
(责任编辑：潘奕燃 UN657)
2016-03-18 15:38:00
人民网