本文關(guān)鍵詞：成都農(nóng)商銀行人民幣支付清算體系優(yōu)化研究　出處：《西南交通大學》2014年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 商業(yè)銀行 支付 清算 體系

【摘要】：商業(yè)銀行的經(jīng)營和盈利離不開中間業(yè)務,支付結(jié)算業(yè)務正是最重要的中間業(yè)務之一,是銀行對資金的運用進行監(jiān)控,敦促各主體遵守其支付契約的重要的方式。對支付清算業(yè)務進行創(chuàng)新可以加強金融服務,在提高銀行競爭力,擴大銀行資金量等方面有著非常關(guān)鍵的作用。伴隨著我國經(jīng)濟的發(fā)展,支付結(jié)算制度作為資金流動的重要節(jié)點也面臨著改革和強化,目前我國已初步建立了支付清算體系。各家商業(yè)銀行也要順應時代的需求,客戶的要求和人民銀行的要求采取有效措施持續(xù)不斷地加強支付清算的改革和創(chuàng)新。支付渠道的穩(wěn)定、安全和結(jié)算效率直接關(guān)系到商業(yè)銀行的產(chǎn)品創(chuàng)新速度以及客戶體驗度。成都農(nóng)商銀行作為一家從農(nóng)信社改制而來的商業(yè)銀行,承擔著改善農(nóng)村支付環(huán)境、加大農(nóng)村地區(qū)非現(xiàn)金結(jié)算工具的運用和推廣,構(gòu)筑城鄉(xiāng)經(jīng)濟橋梁的作用。同時作為一家股份制銀行,也以股東利益最大化為經(jīng)營目標,積極參與市場競爭、創(chuàng)新業(yè)務產(chǎn)品。支付清算是否快速和有效直接關(guān)系到各項業(yè)務的發(fā)展和創(chuàng)新的深度、廣度。本文首先對國際及國內(nèi)的支付清算體系進行系統(tǒng)的研究,總結(jié)發(fā)達國家先進支付清算體系發(fā)展的經(jīng)驗,梳理我國支付清算體系的發(fā)展歷程。隨后從實際出發(fā),充分借鑒國內(nèi)外支付清算領(lǐng)域先進的理念,總結(jié)目前成都農(nóng)商銀行支付結(jié)算工具、結(jié)算方式、清算系統(tǒng)存在的問題,并認真分析問題的成因,結(jié)合自己多年的工作經(jīng)驗提出大膽設(shè)想,積極拓展支付結(jié)算工具的使用范圍、創(chuàng)新結(jié)算方式、優(yōu)化支付清算系統(tǒng)。特別是提出統(tǒng)一支付平臺的構(gòu)想,將多個結(jié)算品種、結(jié)算指令發(fā)起渠道、支付清算渠道通過統(tǒng)一支付平臺向各校驗、作業(yè)、匯劃系統(tǒng)分配任務,旨在控制風險、提高效率、增強客戶和柜臺操作人員體驗度。本文的寫作一方面旨在提高自身業(yè)務水平,同時也可作為與同行探討的思路。
[Abstract]:Commercial banks operating profit and cannot do without the intermediary business, payment and settlement business is one of the most important intermediary services, is to monitor the use of funds of the bank, urged the body to comply with its payment contract. An important way of the payment and settlement business innovation can strengthen financial services, improve the competitiveness of banks, has a very the key role of the expansion of bank funds. With the development of China's economy, the payment and settlement system as an important node in the flow of funds is also facing the reform and strengthening, China has initially established the payment clearing system. Commercial banks should also conform to the needs of the times, the customer requirements and the requirements of the people's Bank take effective measures to continuously strengthen the reform and innovation of the liquidation payment. Payment channel stability, security and settlement efficiency is directly related to the speed of product innovation of commercial banks As well as the customer experience. The Chengdu rural commercial bank as one from the reform of rural credit cooperatives and commercial banks bear the improvement of rural payment environment in rural areas, increase the use and promotion of non cash settlement tools, build urban and rural economic bridge. At the same time as a joint-stock bank, but also to maximize the interests of shareholders business goals, and actively participate in market competition, innovative business products. Whether the fast and efficient payment and settlement is directly related to the development and innovation of the business of the depth and breadth. This paper made a systematic study on the domestic and international payment and settlement system, developed countries advanced payment and settlement system development experience, combing the development of China's payment the course of liquidation system. Then from the reality, make full use of domestic and foreign payment field of advanced concept, summed up the current Chengdu rural commercial bank payment and settlement, settlement The clearing system, the existing problems, and a careful analysis of the causes of the problem, combined with their years of work experience put forward bold ideas, actively expand the scope of use of payment and settlement tools, innovative means of settlement, optimize the payment system. Especially the proposed unified payment platform structure, a plurality of settlement varieties, settlement payment instructions initiated channels. Clearing channels through a unified payment platform to check the homework assignment, transfer system, to control risk, improve efficiency, enhance customer and counter operator experience. This paper attempts to improve the level of their own business, as well as with their peers to explore ideas.

【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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