二代支付系统对G银行的影响和对策研究

发布时间：2018-11-28 19:49

【摘要】：支付系统是支持社会经济发展、金融运行的重要基础设施,是现代金融服务体系的主要功能之一。支付清算体系是国民经济和社会资金流动的大动脉,在方便市场交易,减少现金使用,维护市场秩序,规范结算行为,防止支付风险,加快资金周转,畅通货币政策传导,密切各金融市场有机联系,推动金融工具创新,提高资源配置效率,打击洗钱、逃债、逃贷和腐败等方面发挥着极其重要的作用。构建安全、高效的支付清算体系有利于各项支付结算工具的高效运转,有利于通过控制系统性风险,维护金融体系的安全稳定性。经过多年的努力,我国的支付清算体系建设已经初具规模,形成了一个以中国支付系统(包括大、小额支付系统)为核心,商业银行行内资金汇划系统为基础,各地同城票据交换系统并存的中国支付系统架构,建立了以“三票一卡三方式”为主体的支付结算制度,发展了信用支付工具。随着现代科技的不断发展,推动了网上支付,第三方支付等支付工具的电子化；推动了支付系统的持续改进。目前的支付系统几乎覆盖了所有支付工具的应用,为社会资金的快速运行提供了重要渠道。随着近年来我国社会经济的快速发展,经济规模不断扩大,商业银行的业务运营和管理体系都发生了深刻的变化,对中央银行的支付清算服务提出了许多新的、更高的要求。为适应新的发展需要,中国人民银行正式启动了第二代支付系统的建设,该系统的建成将为商业银行提供更加灵活的接入方式、更全面的流动性风险管理、更便捷的网上银行互联平台、更国际化的业务技术标准和更强大的数据挖掘功能。第二代支付系统的建设将对满足社会经济的支付需求、促进经济金融又快又好发展将产生积极意义。作为金融核心的商业银行在金融体系中发挥着至关重要的作用,支付结算业务是商业银行的一项传统业务,其能否合规、合法、顺畅的进行操作直接影响到商业银行的信誉和生存,进而影响金融稳定。本文从我国支付系统的总系架构出发,分析了支付系统的国内外发展现状,为了更好地在商业银行资金清算中应用支付系统,本文以某商业银行为例,具体分析了某商业银行支付系统的现状,着重从支付系统发展中存在的问题着手,分析二代支付给某商业银行带来的优势、劣势、机遇和挑战,以及商业银行采取的应对策略,对二代支付系统的发展提出了自己浅显的建议,以使我国支付系统的发展更多地考虑相关业务系统的关联性,提高系统效率,商业银行要正确认识二代支付系统上线后带来的支付清算体制上的变革,积极应对、合理规划、统筹安排,适应新形势下的现代化支付系统建设步伐。
[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.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2

【参考文献】