liquidity and risk control compared with personal financing. 4.2 Online payment Up to December 2016, China had a total of 475 million online payment users, an increase of 58.31 million or 14.0% over the end of 2015, and the utilization ratio increased from 60.5% to 64.9%. At the same time, China had 469 million mobile online payment users, an annual growth of 31.2%, and the utilization ratio increased from 57.7% to 67.5%. User Scale and Utilization Ratio of Online Payment/Mobile Online Payment Dec. 2015 – Dec. 2016 10,000persons 60000 60.5% 64.9% 70% 50000 67.5% 60% 47450 46920 41618 57.7% 50% 40000 35771 30000 40% 30% 20000 20% 10000 10% 0 0% 2015.12 2016.12 Number of online payment users Number of mobile payment users Usage rate of online payment (by all Internet users) Usage rate of mobile payment (by all mobile Internet users) Source： Statistical Survey on Internet Development in China 2016.12 Figure 60 User Scale and Utilization Ratio of Online Payment/Mobile Online Payment Dec. 2015 – Dec. 2016 In terms of online payment, e-payment companies deepen their cooperation with governments at all levels, public service agencies and communities to launch services of public utility payment, building and promoting an all-round online payment system for public service. Regular utility payment covering water, electricity, gas, property, Internet and cable TV is incorporated into the online payment system, with a smart reminder of payment given to users; medical registration fee, traffic fine and campus-related payment can also be paid via the Internet, which greatly improves the efficiency of public service agencies and effectively minimizes the payment inconvenience of the public. In terms of offline payment, e-payment companies vigorously develop the market and greatly enrich payment scenarios, prompting consumers to initially develop the habit of using 7171 The 39th Statistical Report on Internet Development in China