广西支付清算系统问题研究

发布时间：2018-03-29 10:40

本文选题：广西壮族自治区　切入点：支付清算系统　出处：《广西大学》2015年硕士论文

【摘要】：中国国家现代化支付系统是整个金融体系的基础。支付清算系统安全、高效地运转是保证货币畅通、提高社会资源配置的最佳手段之一。它可以维护金融市场的稳定、防止金融风险的发生。推动支付清算工具的发展,对金融服务的全面发展具有非常重要的意义。目前为止,我国已经建立了比较完善的支付清算网络体系。但在实际的发展与运行当中,支付清算系统也存在着许多问题。金融工具的革新、人们要求的改变、地区间的不平衡发展等都会导致整个支付清算系统发生变革。在我国,人民银行在支付清算体系中起着主导的建设、推广和监管的作用。人民银行在支付体系的发展中的作用无可替代。本文以广西壮族自治区支付清算系统为研究对象,站在人民银行的立场,采用调查、分析等研究方法,对广西支付清算系统和业务的相关情况进行阐述,对广西支付清算系统存在着系统内部发展失衡、部分业务推广困难以及存在着运行风险等问题进行分析。同时借鉴广东省管理个人支票业务、山西省开发支付清算数据信息管理系统的经验,最终提出解决广西支付清算系统发展中出现的各类问题的措施：即要促进支付清算系统的平衡发展、改善业务推广困境和加强对支付系统的风险管理等应对措施。为我区支付清算系统的安全稳定运行提供一定的意见建议。整个广西支付清算系统的安全、健康运转,促进广西经济的发展具有非常重要的意义,本文也为以后的相关研究者提供一定的借鉴。
[Abstract]:China's national modern payment system is the foundation of the entire financial system. The payment and clearing system is one of the best means to ensure the smooth flow of money and improve the allocation of social resources. It can maintain the stability of the financial market. To prevent the occurrence of financial risks and to promote the development of payment and settlement instruments is of great significance to the overall development of financial services. China has established a relatively perfect payment and settlement network system. However, in the actual development and operation, there are many problems in the payment and settlement system. The innovation of financial instruments, the change of people's demand, The unbalanced development among regions will lead to the reform of the whole payment and settlement system. In our country, the people's Bank of China plays a leading role in the construction of the payment and settlement system. The role of the people's Bank of China in the development of the payment system is irreplaceable. This paper takes the payment and settlement system of Guangxi Zhuang Autonomous region as the research object, stands at the standpoint of the people's Bank of China, and adopts research methods such as investigation and analysis. This paper expounds the relevant situation of payment and settlement system and business in Guangxi, and points out that there is an imbalance in the development of payment and settlement system in Guangxi. Some of the problems such as difficulties in business promotion and operational risks are analyzed. Meanwhile, the experience of developing payment clearing data information management system in Shanxi Province has been learned from the management of personal cheques in Guangdong Province. Finally, the paper puts forward some measures to solve the problems in the development of payment and settlement system in Guangxi, that is, to promote the balanced development of payment and settlement system, To improve the difficulties of business promotion and strengthen the risk management of payment system, and to provide some suggestions for the safe and stable operation of payment and clearing system in our region. It is of great significance to promote the development of Guangxi economy.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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