【摘要】：支付系統(tǒng)是支持社會(huì)經(jīng)濟(jì)發(fā)展、金融運(yùn)行的重要基礎(chǔ)設(shè)施,是現(xiàn)代金融服務(wù)體系的主要功能之一。支付清算體系是國(guó)民經(jīng)濟(jì)和社會(huì)資金流動(dòng)的大動(dòng)脈,在方便市場(chǎng)交易,減少現(xiàn)金使用,維護(hù)市場(chǎng)秩序,規(guī)范結(jié)算行為,防止支付風(fēng)險(xiǎn),加快資金周轉(zhuǎn),暢通貨幣政策傳導(dǎo),密切各金融市場(chǎng)有機(jī)聯(lián)系,推動(dòng)金融工具創(chuàng)新,提高資源配置效率,打擊洗錢、逃債、逃貸和腐敗等方面發(fā)揮著極其重要的作用。構(gòu)建安全、高效的支付清算體系有利于各項(xiàng)支付結(jié)算工具的高效運(yùn)轉(zhuǎn),有利于通過(guò)控制系統(tǒng)性風(fēng)險(xiǎn),維護(hù)金融體系的安全穩(wěn)定性。 經(jīng)過(guò)多年的努力,我國(guó)的支付清算體系建設(shè)已經(jīng)初具規(guī)模,形成了一個(gè)以中國(guó)支付系統(tǒng)(包括大、小額支付系統(tǒng))為核心,商業(yè)銀行行內(nèi)資金匯劃系統(tǒng)為基礎(chǔ),各地同城票據(jù)交換系統(tǒng)并存的中國(guó)支付系統(tǒng)架構(gòu),建立了以“三票一卡三方式”為主體的支付結(jié)算制度,發(fā)展了信用支付工具。隨著現(xiàn)代科技的不斷發(fā)展,推動(dòng)了網(wǎng)上支付,第三方支付等支付工具的電子化；推動(dòng)了支付系統(tǒng)的持續(xù)改進(jìn)。目前的支付系統(tǒng)幾乎覆蓋了所有支付工具的應(yīng)用,為社會(huì)資金的快速運(yùn)行提供了重要渠道。 隨著近年來(lái)我國(guó)社會(huì)經(jīng)濟(jì)的快速發(fā)展,經(jīng)濟(jì)規(guī)模不斷擴(kuò)大,商業(yè)銀行的業(yè)務(wù)運(yùn)營(yíng)和管理體系都發(fā)生了深刻的變化,對(duì)中央銀行的支付清算服務(wù)提出了許多新的、更高的要求。為適應(yīng)新的發(fā)展需要,中國(guó)人民銀行正式啟動(dòng)了第二代支付系統(tǒng)的建設(shè),該系統(tǒng)的建成將為商業(yè)銀行提供更加靈活的接入方式、更全面的流動(dòng)性風(fēng)險(xiǎn)管理、更便捷的網(wǎng)上銀行互聯(lián)平臺(tái)、更國(guó)際化的業(yè)務(wù)技術(shù)標(biāo)準(zhǔn)和更強(qiáng)大的數(shù)據(jù)挖掘功能。第二代支付系統(tǒng)的建設(shè)將對(duì)滿足社會(huì)經(jīng)濟(jì)的支付需求、促進(jìn)經(jīng)濟(jì)金融又快又好發(fā)展將產(chǎn)生積極意義。作為金融核心的商業(yè)銀行在金融體系中發(fā)揮著至關(guān)重要的作用,支付結(jié)算業(yè)務(wù)是商業(yè)銀行的一項(xiàng)傳統(tǒng)業(yè)務(wù),其能否合規(guī)、合法、順暢的進(jìn)行操作直接影響到商業(yè)銀行的信譽(yù)和生存,進(jìn)而影響金融穩(wěn)定。 本文從我國(guó)支付系統(tǒng)的總系架構(gòu)出發(fā),分析了支付系統(tǒng)的國(guó)內(nèi)外發(fā)展現(xiàn)狀,為了更好地在商業(yè)銀行資金清算中應(yīng)用支付系統(tǒng),本文以某商業(yè)銀行為例,具體分析了某商業(yè)銀行支付系統(tǒng)的現(xiàn)狀,著重從支付系統(tǒng)發(fā)展中存在的問(wèn)題著手,分析二代支付給某商業(yè)銀行帶來(lái)的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇和挑戰(zhàn),以及商業(yè)銀行采取的應(yīng)對(duì)策略,對(duì)二代支付系統(tǒng)的發(fā)展提出了自己淺顯的建議,以使我國(guó)支付系統(tǒng)的發(fā)展更多地考慮相關(guān)業(yè)務(wù)系統(tǒng)的關(guān)聯(lián)性,提高系統(tǒng)效率,商業(yè)銀行要正確認(rèn)識(shí)二代支付系統(tǒng)上線后帶來(lái)的支付清算體制上的變革,積極應(yīng)對(duì)、合理規(guī)劃、統(tǒng)籌安排,適應(yīng)新形勢(shì)下的現(xiàn)代化支付系統(tǒng)建設(shè)步伐。
[Abstract]:Payment system is an important infrastructure to support social and economic development and financial operation. It is one of the main functions of modern financial service system. The payment and settlement system is the main artery of the national economy and social capital flow. It facilitates market transactions, reduces the use of cash, maintains market order, standardizes settlement behavior, prevents payment risks, speeds up the flow of funds, and unimpeded the transmission of monetary policies. It plays an extremely important role in promoting the innovation of financial instruments, improving the efficiency of resource allocation, fighting against money laundering, debt evasion, loan evasion and corruption. The construction of a safe and efficient payment and settlement system is conducive to the efficient operation of various payment and settlement instruments and the maintenance of the security and stability of the financial system by controlling systemic risks. After years of hard work, the construction of the payment and settlement system in China has begun to take shape. It has formed a system based on the Chinese payment system (including large and small payment systems) and the funds transfer system in commercial banks. China's payment system, which coexists with the city bill exchange system, has established the payment and settlement system with "three votes, one card, three modes" as the main body, and developed the credit payment tool. With the development of modern science and technology, the electronic payment tools such as online payment and third-party payment have been promoted, and the continuous improvement of payment system has been promoted. The current payment system covers almost all the applications of payment tools and provides an important channel for the rapid operation of social funds. With the rapid development of China's social economy in recent years and the expansion of economic scale, the business operation and management system of commercial banks have undergone profound changes, and many new and higher requirements have been put forward for the payment and clearing services of the Central Bank. In order to meet the new development needs, the people's Bank of China has officially launched the construction of the second generation payment system, which will provide commercial banks with more flexible access methods and more comprehensive liquidity risk management. More convenient internet banking platform, more international business technical standards and more powerful data mining function. The construction of the second generation payment system will have positive significance to meet the payment demand of social economy and promote the fast and good development of economy and finance. As the core of finance, commercial banks play a vital role in the financial system. Payment and settlement is a traditional business of commercial banks. Smooth operation directly affects the reputation and survival of commercial banks, and then affects financial stability. Based on the general framework of payment system in China, this paper analyzes the development of payment system at home and abroad. In order to better apply payment system in fund clearing of commercial banks, this paper takes a commercial bank as an example. This paper analyzes the current situation of a commercial bank's payment system, focuses on the problems existing in the development of the payment system, and analyzes the advantages, disadvantages, opportunities and challenges brought by the second generation payment to a commercial bank, as well as the countermeasures adopted by the commercial bank. This paper puts forward some simple suggestions on the development of the second generation payment system, in order to make the development of the payment system in our country consider the relevance of the related business system and improve the efficiency of the system. Commercial banks should correctly understand the reform of payment and settlement system brought by the second generation payment system, actively respond, plan rationally, arrange as a whole, and adapt to the construction of modern payment system under the new situation.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F831.2

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本文編號(hào)：2364086