China's payment systems mainly included paper-based, non-local fund transfer systems, electronic interbank systems, local clearing houses, electronic intra-bank clearing systems, internal card-based payment systems (ATM and debit cards) and Post Office clearing.

　　中国的支付体系主要包括基于票据的异地支付、银行同业电子支付、地方结算、跨行网银支付、国内银行卡支付（自动取款机和借记卡）、以及邮局支付等形式。

　　上文中提到了我国payment /clearing system（支付体系）的具体形式，下面再来看看几种结算工具都怎么说吧。

　　In terms of payment instruments (like cash, checks, credit cards and e-currencies), China's non-cash payment instruments dealt with 21.41 billion transactions, involving 715.75 trillion yuan.

　　如果按照结算工具（现金、支票、信用卡、电子货币）来划分，中国的非现金支付工具去年共处理业务214.1亿笔，涉及金额达715.75万亿元人民币。

　　Non-cash payment instruments（非现金支付工具）极大方便了我们的生活，平时大家接触最多的就是debit card（借记卡）和credit card（信用卡）了，所产生的交易形式就被称为bankcard transactions。此外，e-bank（电子银行）、mobile payment（移动支付）也逐渐被人们接受。