文档介绍：华中科技大学硕士学位论文
摘要
我国银行支付清算体系是支持经济、金融运行的重要设施,支付清算是金融基
础设施建设的核心,作为国家重要金融基础设施和社会资金运动的大动脉,我国银
行支付清算体系关系全社会资金安全和运转效率、货币政策实施效果以及经济金融
稳定。高效、安全的支付体系有利于提高货币政策的执行效率,有利于通过控制系
统性风险,维护金融体系的稳定性,有利于社会公众保持对货币及其转移机制的信
息,有利于国家经济建设。
本文从支付清算系统的概念入手,详细介绍了我国银行支付清算体系发展的结
构,重点介绍了人民银行目前正在建设的中国现代化支付系统,旨在构建一个以现
代化支付系统为核心,商业银行行内汇兑系统为基础,各地同城票据交换所并存的
中国现代化支付清算体系;说明了近年来,我国商业银行支付清算体系取得的重要
进展;介绍了国外银行的清算体系以及国际间银行相互清算方式及网络,并以美国
为例,详细比较了中美之间银行支付清算体系的异同。
本文通过分析我国支付清算体系中存在的特点和缺陷,阐明了我国银行支付清
算体系未来发展面临的问题和方向,并提出了一些具体建议:将商业银行等机构的
清算账户予以合并、集中;降低过高的储备金比率;加强支付结算体系的各个组成
部分的统一管理,构建统一、兼容的支付清算体系;加速国家清算银行的建设进程;
加速现代化支付系统建设由分散走向集中的进程;加强管理工作;加强支付清算相
关系统的风险控制。
关键词:银行支付清算体系清算账户
I
华中科技大学硕士学位论文
Abstract
The payment clearing system of china’s banks is an important facility for supporting
the economy and its financial operations, payment clearing can be considered central to
the establishment of financial infrastructures, being the lifeline of important financial
infrastructures and capital flow of the society within the country,the payment clearing
system of china’s banks is correlated to the security and operational efficiency of capital
in society overall, to the efficiency of currency policy implementation, as well as to
economic and financial stability. A highly efficient and secure payment clearing system is
beneficial to lifting the execution efficiency of currency policy, as well as to maintaining
the stability of the financial system through managing systemic risk, and it is also useful in
keeping the public abreast of any information on money and its transfer mechanism, thus
benefitting the building of the country’s economy.
The present study looks at the concept of the payment clearing system, introduces
the structural development of the payment clearing system of our banks in detail, and
emphasises and explains China’s modern day payment system currently being established
by the People’s Bank of China with the purpose of setting up a modern payment system as
its core