成都农商银行人民币支付清算体系优化研究

发布时间：2018-01-11 05:15

本文关键词：成都农商银行人民币支付清算体系优化研究　出处：《西南交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行的经营和盈利离不开中间业务,支付结算业务正是最重要的中间业务之一,是银行对资金的运用进行监控,敦促各主体遵守其支付契约的重要的方式。对支付清算业务进行创新可以加强金融服务,在提高银行竞争力,扩大银行资金量等方面有着非常关键的作用。伴随着我国经济的发展,支付结算制度作为资金流动的重要节点也面临着改革和强化,目前我国已初步建立了支付清算体系。各家商业银行也要顺应时代的需求,客户的要求和人民银行的要求采取有效措施持续不断地加强支付清算的改革和创新。支付渠道的稳定、安全和结算效率直接关系到商业银行的产品创新速度以及客户体验度。成都农商银行作为一家从农信社改制而来的商业银行,承担着改善农村支付环境、加大农村地区非现金结算工具的运用和推广,构筑城乡经济桥梁的作用。同时作为一家股份制银行,也以股东利益最大化为经营目标,积极参与市场竞争、创新业务产品。支付清算是否快速和有效直接关系到各项业务的发展和创新的深度、广度。本文首先对国际及国内的支付清算体系进行系统的研究,总结发达国家先进支付清算体系发展的经验,梳理我国支付清算体系的发展历程。随后从实际出发,充分借鉴国内外支付清算领域先进的理念,总结目前成都农商银行支付结算工具、结算方式、清算系统存在的问题,并认真分析问题的成因,结合自己多年的工作经验提出大胆设想,积极拓展支付结算工具的使用范围、创新结算方式、优化支付清算系统。特别是提出统一支付平台的构想,将多个结算品种、结算指令发起渠道、支付清算渠道通过统一支付平台向各校验、作业、汇划系统分配任务,旨在控制风险、提高效率、增强客户和柜台操作人员体验度。本文的写作一方面旨在提高自身业务水平,同时也可作为与同行探讨的思路。
[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.

【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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