農信銀資金清算系統(tǒng)風險控制研究
發(fā)布時間：2018-09-17 07:07
【摘要】：支付系統(tǒng)的風險控制關系到一國經濟發(fā)展、金融穩(wěn)定與社會安定之大局，如果發(fā)生支付系統(tǒng)風險，其破壞和危害是不可估計的。支付系統(tǒng)的風險會給支付交易帶來危險。對支付交易各方來說，迫切的希望完全消除風險，但是徹底地消除風險，又有著非常大的困難，基本不可能實現(xiàn)。因此，認識并控制風險，將支付系統(tǒng)的風險限制在交易各方可以承受的范圍之內，是支付系統(tǒng)安全運行，完成支付交易的基礎和前提條件。本文首先介紹了什么是支付系統(tǒng)，指出了支付系統(tǒng)在國家金融活動中的重要作用，并對支付系統(tǒng)中的各種風險進行了分類，說明了這些風險的具體形態(tài)和形成原因，，為后續(xù)尋找解決風險問題的方法提供分析依據(jù)。之后介紹了國外風險防范方面的先進經驗，進行比較，尋找可供農信銀資金清算系統(tǒng)風險防范可借鑒的地方。通過以上分析并結合農信銀當前的現(xiàn)狀和問題，給農信銀資金清算系統(tǒng)在風險防控方面提出一點自己的建議。文章的最后展望了農信銀資金清算系統(tǒng)的發(fā)展前景，并對它的健康發(fā)展充滿信心。
[Abstract]:The risk control of payment system is related to the overall situation of a country's economic development, financial stability and social stability. If the risk of payment system occurs, its damage and harm is inestimable. The risk of payment systems can put payment transactions at risk. For the parties to the payment transaction, they are eager to eliminate the risk completely, but it is very difficult to eliminate the risk completely, and it is impossible to realize it. Therefore, understanding and controlling the risk, limiting the risk of payment system to the range that the parties can bear, is the basis and prerequisite for the safe operation of payment system and the completion of payment transaction. This paper first introduces what payment system is, points out the important role of payment system in national financial activities, classifies various risks in payment system, and explains the specific form and formation reasons of these risks. It provides the analysis basis for finding the method to solve the risk problem in the future. After that, the paper introduces the advanced experience of risk prevention in foreign countries, and compares it to find out the places that can be used for reference in the risk prevention of NCB fund clearing system. Through the above analysis and combined with the current situation and problems of the bank, this paper gives some suggestions on risk prevention and control for the fund clearing system of the bank. In the end, the paper looks forward to the prospect of the bank's fund clearing system, and is confident of its healthy development.
【學位授予單位】：北京化工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
本文編號：2245109
[Abstract]:The risk control of payment system is related to the overall situation of a country's economic development, financial stability and social stability. If the risk of payment system occurs, its damage and harm is inestimable. The risk of payment systems can put payment transactions at risk. For the parties to the payment transaction, they are eager to eliminate the risk completely, but it is very difficult to eliminate the risk completely, and it is impossible to realize it. Therefore, understanding and controlling the risk, limiting the risk of payment system to the range that the parties can bear, is the basis and prerequisite for the safe operation of payment system and the completion of payment transaction. This paper first introduces what payment system is, points out the important role of payment system in national financial activities, classifies various risks in payment system, and explains the specific form and formation reasons of these risks. It provides the analysis basis for finding the method to solve the risk problem in the future. After that, the paper introduces the advanced experience of risk prevention in foreign countries, and compares it to find out the places that can be used for reference in the risk prevention of NCB fund clearing system. Through the above analysis and combined with the current situation and problems of the bank, this paper gives some suggestions on risk prevention and control for the fund clearing system of the bank. In the end, the paper looks forward to the prospect of the bank's fund clearing system, and is confident of its healthy development.
【學位授予單位】：北京化工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35
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本文編號：2245109
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