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2009 2008 Visa International MasterCard International 29.6% GDPGDP2001 45.9%200849.6% GDP 2009 123123,62499.5% 100
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2009 123174,97612.3% 2009123143,654 16.5%2009123158.2% 2009123155.5% 2009200812311.49% 1.98% 2009 356200849.8% 200712.5%200915.9% 2009234.420091231 13,9132006 200920091231 3.652009 72828 20072009 307.2%84.2% 102
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2009123129,68771.7% 2009123113,773 46.4%2008123115.5% 200912314,325 14.6%1,573 36.4% 20091231 8712008123147.7% 200912316,351 21.4%24.7% 108
200920082007 2712021772007200923.6% 2006 2009 2009 12313,766 20091231 25698.6% ATM2009 12311037.3% 20091231 1,3654.6%2009 6 109
200912313,522 8.5%2009123190.1% 2009123129,0122008 123121,63934.1% 200920082007 200871082007200936.1% ATMPOS 20091231315 20091231144.2 (GTS)2009 3,4919.18 2009 53 2009 200912315.1 110
2008123148.5%2009 32.955%10035%500 200921 2009 5920072009 292.2% 200912312.52009 442008300.3% 20092010 (QFII)(QDII) SAS70 2008 2009123113,913 8,45820097.61 111
2008 20091231 737368.7% 2009 848 20097.7220072009 15.7% 2009123193 87.0%945 1,06720091.782007 2009101.1% 161 20091231 191 2009 1,576 112
1+N 200973632.9% 2009123143,65458.2% 7,89319.1% 3.6520062009 200912313.2824 269302009 12312030120081231 31.8%38.2%50022008 123165.3%4.9% 200912317,893 19.1%2008123169.9% 113
200912 314,97963.1% 20091231856 10.8% 20091231 60020081231156.8% 80%20091231104 2008123110.6% 20091231 1022008100.7% 20091231 1,06013.4% 2009 12311411.8% 20091231 85710.9% 114
200912313.65 27.4200880.2%200914,108 48200826.1% MasterCard Visa 1231 2007 2008 2009......................... 310,438 334,115 347,468......................... 3,252 9,277 15,428...................... 2,950 2,716 2,516.......................................... 316,640 346,108 365,412 1231 2007 2008 2009............................... 658,493 775,271 1,292,044............................... 15,918 52,372 107,368............................ 15,672 15,072 11,345.......................................... 690,083 842,715 1,410,757 115
200912313.475 200912,920 Visa MasterCard ATM MasterCard Visa 24 20072008 MasterCard International 200912311,54020072009 117.8%20091,074 20072009159.7% 3512 116
2009123143,654 58.2%16.5% 2007200921.0% 2009 1572007200913.3% 20091231 59 20091,235728 200928 2007200944.5% 502009 123143520091,630 12 2009 1,33420092008 2009240 259175 200820092009 117
2009 90.2 2009123127.4 20091.56 3.40 (PCRM) (CFE) 20091231 27,000(AFP) 800(CFP)400(EFP) 85283814 (1)(2)(3)(4) 118
2009261 11.7% (1) (2) SHIBORShanghai Interbank Offered Rate 720022008 2009 SHIBOR 200965,872 2009123126,16720081231 13.3%1,122 4.3%8,90234.0%8,839 33.8%7,30427.9% 119
20072009 2009137.2 31.42009 108 1,20120091231 40920096 20091231317 2009123186 90%20041029 70% 120
300 23,624 2009123123,624 325307 3,52019,759 121
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7 x 24 200912317,00020081231 3,0002009105 49.8%20091220072009 84.2%200920082007 e 200912312,2562,207 20072009108.6%492007 200953.6%200937.3 2008 95599 200912 311,7321,692412009 2,961 20084 200912313012009 4.41 123
200912312,7872009 13 2009123154,688ATM 41,011 7 x 249,151 915137200943 8.7 B2CB2B 20092.37 1,073 2006 17 124
ABIS 1,30050035%10055% AIPSTULIP BIBS ACBS 724.NET 95599 125
ISO27001 2008CMMI 2009 99.9% 20095 ISO20000 2008 126
2010 2012 201062 201020128.5% 11.5% (EVA)(RAROC) 127
II WTO 2006 128
1231 2007 2008 2009 %............................ 13.4 12.9 12.4 %............................ 12.9 10.0 10.0 %............................... 6.4 5.6 6.5 %............................... 5.3 4.7 6.0 2009200820071231441,144441,883 447,5192009123174240 20091231 20091231........................................................... 13,723 3.1%................................................... 60,487 13.7................................................... 178,921 40.6........................................................ 3,072 0.7..................................................... 69,455 15.7........................................ 41,939 9.5........................................................ 11,795 2.7 (1)............................................................ 61,752 14.0........................................................ 441,144 100.0% (1) 20091231 20091231 31........................................................ 49,489 11.2% 3140...................................................... 173,234 39.3 4150...................................................... 189,540 43.0 50........................................................ 28,881 6.5........................................................ 441,144 100.0% 129
20091231 20091231..................................................... 8,329 1.9%.............................................................. 122,191 27.7.......................................... 172,524 39.1.............................................................. 138,100 31.3.............................................................. 441,144 100.0% 2009123138,954 130
2010331 37,6198,170 201033137,56430,448,180 37,5641,747 1,704,10435,817 625748,782 2010331559,057 2010331278807,133 132 497,2112010331374 684,696 20103318,160 2,171,146102,636 8,160 3,3991,024,024 4,7611,147,122 2,313582,318 131
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960.09 (i)(ii)(iii) Agricultural Bank of ChinaABC 2010331179124 1223 2010331227 201033150 201033110 2010331621 133
2009200820071231 2007 1231 2008 1231 2009 1231........... 2,490 1,874 2,348 (1,190) (417) (786) (28) (29) 1,300 1,429 1,533........... 66 69 71 (39) (12) (24) 27 57 47........... 2,556 1,943 2,419 (1,229) (429) (810) (28) (29) 1,327 1,486 1,580..... 1,116 26,272 26,552 (328) (733) (1,443) (25) (47) 788 25,514 25,062........... 3,672 28,215 28,971 (1,557) (1,162) (2,253) (53) (76) 2,115 27,000 26,642 134
20091231341 65.613423 50.971114.64 200912 3129.74 36.(3) 2007 112009123110 1172,666117 200920082007433737200920082007 1,048703914 10322,876 135
10 30536 29756 34691 6131 18552 322,876 (i) (ii) (iii) (iv) 2009 136
20072009 II II 137
2009 112008 2008 (A)106(i)48 (ii) 48(iii)5.96 (iv)3.32 (B) (i)(ii) (iii) 969093.75% 2008 138
139 6,400
24 5410016 2007351.07100 132008111,100100 2200984,600100 1 20073520098 140
200711 2007920082 1.04 200610132007414 5,100 20012005 43016 141