央行支付清算体系风险控制研究

发布时间：2018-05-27 11:12

本文选题：中央银行 + 支付清算风险　；参考：《内蒙古大学》2013年硕士论文

【摘要】：随着资金在不同经济主体和不同地区之间的流动日益频繁,社会对银行提供更加快捷、高效、安全的支付清算服务要求也更高。一个稳健的支付清算体系对于构建高效安全的资金转移通道、畅通货币政策传导和维护经济与金融体系的稳定具有重要意义。本文站在中央银行的角度,从不同的视角对中、美支付清算体系的特点进行比较分析,从中获得借鉴与启示。通过对我国央行支付清算体系风险点的剖析,从系统间风险、运行管理风险、流动性和信用风险、系统应急机制建设、配套法规制度等五个方面找出存在的问题。在此基础上,通过借鉴美国先进、成熟的央行支付清算体系的优点,提出完善我国央行支付清算体系风险控制策略必须着眼于优化支付清算体系系统、构建风险评估体系、整合强化监管合力、建立健全应急机制、健全法律法规体系五个方面。
[Abstract]:With the increasingly frequent flow of funds between different economic entities and different regions, the society has a higher demand for a faster, more efficient, and safer payment and settlement service for banks. A stable payment and settlement system is of great significance for the construction of efficient and safe channels for the transfer of funds, the smooth transmission of monetary policy and the maintenance of the stability of the economic and financial system. From the point of view of the Central Bank, this paper compares and analyzes the characteristics of the payment and settlement system between China and the United States from different angles, and draws lessons from it. By analyzing the risk points of the payment and clearing system of central bank in China, the paper finds out the existing problems from five aspects: inter-system risk, operational management risk, liquidity and credit risk, system emergency mechanism construction, supporting laws and regulations. On this basis, by drawing lessons from the advantages of the advanced and mature central bank payment and clearing system in the United States, this paper puts forward that the risk control strategy of the central bank payment and clearing system in our country must be aimed at optimizing the payment and clearing system and constructing the risk assessment system. Integrate and strengthen supervision, establish and perfect emergency mechanism, perfect laws and regulations system.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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