Recently, a self-service terminal service machine has been quietly added in the service hall of the Social Security Center in Xiaoshan District, Hangzhou. This self-service terminal is similar to the bank's "ATM" machine. Residents can use the machine to self-check the social security information and print the social security. . It is understood that the social security center of the district will set up 12 such "ATM machines" within the area, and 6 units have been put in place. According to the staff, the social security center of the district is still improving the service function of the self-service terminal, and will adjust the opening and registration to ensure the printing and personal rights list printing functions, and effectively facilitate the people to handle the social security business.
In fact, China's self-service terminal is still in its infancy. At present, the domestic market is mainly based on the banking industry. It mainly uses self-service information inquiry machines, self-service payment machines, and self-service passbooks. The use of self-service terminals in other fields is also emerging, such as social security centers, communications industries and airports, postal services, transportation, electricity, taxation, and gas stations.
With the development of society, self-service terminal applications are more and more widely used, and many self-service terminal devices such as ATM machines, pos machines, and queuing machines are favored by many industries, not only because of the self-service terminal equipment itself. Convenient service is also an indispensable product of social and economic development.
However, as far as the application of self-service terminals is concerned, China's self-service terminals are still in their infancy in China, but the market space is still very large in the future. From the perspective of development trends, on the one hand, self-service terminals are able to effectively reduce operating costs due to the convenience, speed and 24-hour service of self-service, and therefore are increasingly favored by consumers and businesses.
Specifically, the Financial Industry Research Group of the Foresight Information Industry Research Institute believes that there are several favorable factors for the development of self-service terminals in China:
(1) The scope of demand is expanding, which induces an increase in demand.
With the strengthening of global integration and the acceleration of China's informatization construction, the demand for production and service efficiency in various industries has continuously increased. Self-service terminals have begun to expand rapidly from the banking industry to other fields, and the scope of application has expanded to telecommunications, electricity, medical care, Aviation, retail and other industries and fields. Especially with the rapid development of the banking and telecommunications industries, the rapid construction of business outlets, and the continuous improvement of the level of service and information construction in major industries, the demand for self-service terminals is increasing rapidly.
(2) Innovation in the operating model provides new impetus to the self-service terminal industry.
The new mode of cooperative operation not only solves the problems of capital and development for major downstream enterprises such as banking, telecommunications, aviation, retail, etc., but also drives the continuous expansion of the market scale of the self-service terminal industry, providing a broad space for the development of enterprises.
(3) Self-service construction in developing countries has entered a period of rapid development and the international market has increased its volume.
The demand for self-service terminals in some developing countries has grown rapidly, and it has also provided new development opportunities for the export of Chinese manufacturers. In recent years, the self-service terminal products represented by ATM have experienced explosive growth in markets such as Central and Eastern Europe, the Middle East and Africa. The domestic manufacturers have a growing market share in the domestic and foreign markets and are competitive.
(4) The largest number of banks, increasing the demand for self-service terminals.
The number of Chinese banks has maintained a growing trend. With the promotion of the restructuring of urban credit cooperatives and rural credit cooperatives, there will still be room for growth in the number of urban commercial banks and rural cooperative banks in the future. The increase in the number of banks will objectively lead to more ATM demand. At the same time, as a regional bank, the city commercial bank competes with large banks in banking business, which brings the bank's awareness of improving its service capabilities and improves service efficiency. ATM can bring the above advantages and make up for the lack of network outlets in the city. Insufficient, the city commercial bank will vigorously develop the ATM self-service business, bringing the demand for fully functional ATM.
(5) The rural market has huge space, and the future demand of agricultural banks, postal savings and rural credit cooperatives is strong.
As the rural financial ecological environment has been continuously improved, the bank acceptance network has accelerated to extend to the vast rural areas. In line with the rapid development of rural bank card services, there is a large demand for self-service equipment such as ATM. In view of the current low level of rural ATMs in China, uneven distribution, and difficulty in meeting the daily needs of local people, the central bank proposed in the "Guiding Opinions of the People's Bank of China on Improving the Payment Service Environment in Rural Areas": According to the effectiveness of ATMs in rural areas. Demand, reasonable promotion of ATM deployment, and strive to reach 60,000 ATMs in rural areas by 2012, achieving zero breakthroughs in ATM deployment in poorer counties. At present, although the proportion of ATMs in rural areas in China is small, with the development of rural financial construction, it will inevitably bring broad market prospects to the application and popularization of self-service devices such as ATM in rural areas.
According to the monitoring data of the Data Monitoring Center of the Foresight Industry Research Institute, at present, the application of foreign self-service terminals is nearly 2 million units/year, while currently there are only 100,000 units/year in China, and China's self-service terminals are still dominated by ATM. Since 2006, China's overall ATM holdings have been on the rise. In 2011, China's total ATM holdings increased from 111,000 in 2006 to 369,000 units, an increase of 22.6% in 2011.
China's overall ATM machine market share and growth rate in 2006-2011 (unit: 10,000 units, %)
Source: Prospective Industry Research Institute “China's self-service terminal industry market prospects and investment strategic planning analysis reportâ€
Although the number of ATMs in China is increasing year by year, at present, there are only about 270 ATMs per million people in China (including non-networked ATMs), and the distribution of ATMs is extremely uneven, far lower than the average million people in the world. The level of 315 ATMs is far lower than the level of more than 1,250 ATMs per million people in developed countries and regions such as the United States. In view of the number of bank cards, at present, the number of bank cards corresponding to each ATM in China is 0.89 million, which is much higher than the standard configuration level of 0.40 million internationally, indicating that the demand for ATM in China is still strong, and the development prospects of the entire industry remain. Can be expected.
According to the analysis of the Financial Industry Research Group of the Foresight Information Industry Research Institute, if China's ATM sets the density according to the current world average, China should deploy 432,000 ATMs. If ATMs are deployed at the level of per capita possession in developed countries such as the United States, Canada and the United Kingdom, the number of ATMs deployed in China should be 1.85 million units, 2.644 million units and 1.439 million units respectively, corresponding to 1.548 million ATM gaps in China. With 2.343 million units and 1.137 million units, this is undoubtedly a huge market opportunity.
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