[Are you one of them? Nearly 41% of adults across the country have borrowed money from banks] The Central Bank released the "Analysis Report on China's Financial Inclusion Indicators (2019)" on October 15. The survey shows that 40.74% of adults across the country have obtained loans from banks, 0.86 percentage points higher than the same period last year, and 36.06% in rural areas, 1.44 percentage points higher than the same period last year. As of the end of 2019, the national per capita had 8.06 bank accounts, an increase of 11.63% year-on-year; the per capita held 6.01 bank cards, a year-on-year increase of 10.48% (of which, the per capita held 0.53 credit cards and debit cards).
At the same time, the gap in the penetration rate of electronic payment between urban and rural areas is also narrowing. The survey shows that the proportion of adults using electronic payments nationwide is 85.37%, 2.98 percentage points higher than the previous year; the proportion of adults using electronic payments in rural areas is 76.21%, 4.06 percentage points higher than the previous year