1. Since 2003, China Commercial Bank has started to issue credit card business in full. In 2003, the total number of credit cards was less than one million. By the end of 2011, the cumulative circulation of Chinese credit cards had reached 285 million. In the past eight years, the total number of cards has increased by 284 times. However, in 2011, the number of credit cards held per capita in the country was only 0.21, and the number of cards per capita in developed areas such as Shanghai and Beijing was less than two. Compared with the United States, there are 173 million credit card users in the United States, holding about 1.5 billion credit cards, and the number of cards per capita is more than 8. It can be said that although Chinese credit cards have grown rapidly, the total amount is still small. With the consumption of cards, especially the popularity of credit cards, the pos machine industry has great potential for development.

2. According to statistics, the number of pos machines in the United States is 300 million, and the number of pos machines is 16 million. The number of pos machines per 10,000 people is 533. China has a population of 1.37 billion, the number of POS machines is 4.33 million, and the number of pos machines per 10,000 people is 31.6. The pos machine market in China is very blank, especially in the second and third tier cities, and even in the vast rural areas. The incremental market is worth looking forward to.

3. The total number of industrial and commercial enterprises in China is nearly 47 million. At present, the average life expectancy of Chinese enterprises is 3.1 years. The annual change of enterprises with about 20% is undoubtedly a great attraction for the pos machine market.

4. Since the POS machine was strictly regulated before, the bank and UnionPay pos machine occupied a large market share in the market. However, as the pos machine market becomes more and more market-oriented, the third-party POS machine with more advantages will also be the POS machine. In the alternative market, the pos machine stock market is also worth looking forward to.

5. At present, there are more and more payment platform companies, and more and more licenses are issued, indicating that the prime time of the payment industry has just begun. The first batch of 27 payment licenses were issued on May 27, 2011. The regulatory attitude of the regulatory authorities to the payment industry has been changed from restricted to encouraging competition, and market-oriented operations have become a trend.

6. The People's Bank of China issued a "Measures for the Management of Bank Card Collection Business", which has made substantial adjustments, which will help break the monopoly and stimulate market vitality. First, the approach removes most of the controversial rules. For example, the regulations of “one household, one cabinet, one machine and one machine” have avoided the vicious competition between banks and acquirers in signing contracts with special merchants, but their excessive threshold has caused a huge impact on small and medium-sized acquiring institutions. Secondly, the method does not clarify that “the clearing business of third-party payment companies needs to pass the UnionPay”, thus having the meaning of breaking the “monopoly” of UnionPay. It can be said that the stage of third-party payment companies has just begun.

7. In the financial payment industry, monopoly is definitely not a trend. The third-party payment companies will have more and more powerful voices. Some market-oriented third-party POS brands will definitely become the future trend. The unique pattern of UnionPay and banks Will gradually be broken.

8. At present, the existence of a large number of part-time intermediaries and agents in the pos machine industry indicates that the POS machine market is still heavily dependent on resource contacts, which means that the third-party POS brand will definitely become the future trend. The unique pattern of UnionPay and the bank will gradually be broken.

In summary, it is still involved in the golden age of the pos machine industry. For business opportunities, there are at least 3-5 years of good times. Especially the third-party pos machine, the market is infinitely broad, everyone can do their own market, do third-party pos machine, should not be the same type of product promotion companies to grab the market, but should be with the bank pos machine market With the market to market, through education, to solve the awareness of third-party pos machine security issues, cultivate the market.

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