农信银资金清算系统风险控制研究
发布时间：2018-09-17 07:07
【摘要】：支付系统的风险控制关系到一国经济发展、金融稳定与社会安定之大局，如果发生支付系统风险，其破坏和危害是不可估计的。支付系统的风险会给支付交易带来危险。对支付交易各方来说，迫切的希望完全消除风险，但是彻底地消除风险，又有着非常大的困难，基本不可能实现。因此，认识并控制风险，将支付系统的风险限制在交易各方可以承受的范围之内，是支付系统安全运行，完成支付交易的基础和前提条件。本文首先介绍了什么是支付系统，指出了支付系统在国家金融活动中的重要作用，并对支付系统中的各种风险进行了分类，说明了这些风险的具体形态和形成原因，，为后续寻找解决风险问题的方法提供分析依据。之后介绍了国外风险防范方面的先进经验，进行比较，寻找可供农信银资金清算系统风险防范可借鉴的地方。通过以上分析并结合农信银当前的现状和问题，给农信银资金清算系统在风险防控方面提出一点自己的建议。文章的最后展望了农信银资金清算系统的发展前景，并对它的健康发展充满信心。
[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.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
本文编号：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.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35
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本文编号：2245109
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