Only 10% of China’s estimated 90 mln-plus Web surfers buy things on the Internet, compared with 38% in the United States, according to industry executives. About a quarter of online auction transactions in China are completed in person, and just 30% of all Web shopping payments are handled over the Internet, in a society where cash is still king, analysts say. The nation’s credit card holders now number a scant two mln, a fraction of its 1.3 bln people.