我国银行支付清算体系探讨

华中科技大学硕士学位论文我国银行支付清算体系探讨姓名：唐啸申请学位级别：硕士专业：工商管理指导教师：夏新平20061029IIIAbstractThepaymentclearingsystemofchina’sbanksisanimportantfacilityforsupportingtheeconomyanditsfinancialoperations,paymentclearingcanbeconsideredcentraltotheestablishmentoffinancialinfrastructures,beingthelifelineofimportantfinancialinfrastructuresandcapitalflowofthesocietywithinthecountry,thepaymentclearingsystemofchina’sbanksiscorrelatedtothesecurityandoperationalefficiencyofcapitalinsocietyoverall,totheefficiencyofcurrencypolicyimplementation,aswellastoeconomicandfinancialstability.Ahighlyefficientandsecurepaymentclearingsystemisbeneficialtoliftingtheexecutionefficiencyofcurrencypolicy,aswellastomaintainingthestabilityofthefinancialsystemthroughmanagingsystemicrisk,anditisalsousefulinkeepingthepublicabreastofanyinformationonmoneyanditstransfermechanism,thusbenefittingthebuildingofthecountry’seconomy.Thepresentstudylooksattheconceptofthepaymentclearingsystem,introducesthestructuraldevelopmentofthepaymentclearingsystemofourbanksindetail,andemphasisesandexplainsChina’smoderndaypaymentsystemcurrentlybeingestablishedbythePeople’sBankofChinawiththepurposeofsettingupamodernpaymentsystemasitscore,whiletheinternalremittanceexchangesystemwithinthecommercialbanksactsasthefoundation,withallrespectivecityclearinghousescoexistingwithinChina’smodernpaymentsystem.Anillustrationisprovidedontheprogressachievedwiththepaymentclearingsystemofourcommercialbanksinrecentyears.Afterintroducingtheclearingsystemofforeignbanks,aswellasthecross-clearingmethodsandnetworksofinternationalbanks,andusingtheUnitedStatesasanexample,detailedcomparisonsaresubsequentlymadebetweenthesimilaritiesanddifferencesofpaymentclearingsystemsamongbanksinbothChinaandtheUnitedStates.Throughanalysisoftheexistingfeaturesandflawswithinthepaymentclearingsystemofourcountry,theissuesfacedandthedirectiontakenbythefuturedevelopmentIIIoftheclearingsystemofourbanksarefurtherexpounded,andsomespecificproposalsareprovided:mergeandcentraliseallclearingaccountsofcommercialbanksandorganisations;lowerthereservecapitalratio;enhancetherespectivesegmentsofthepaymentclearingsystemtounifymanagementandestablishuniformityandcompatibilityofthepaymentclearingsystem;acceleratetheset-upprocessofthenationalclearingbank;acceleratethecentralisationprocessofthedisintegratedsegmentsduringtheset-upofthepaymentclearingsystem;strengthenmanagementwork;andenhancetheriskcontrolofrelatedpaymentclearingsystems.KeyWords:bank;Paymentandsettlementsystem;clearingaccount_____111.1202000180020106%2002260020093860[1],20,,,,,,,,,,,,,,2,,,,200021000,5,800-1000,,500,34101081049200039000,200,,,[2],,,,,,,,,,,,,WTO,,,1.213::;:90%[3]2)CNAPS,3)HVPS4)BEPS5)CCPC41.32006“”[3]5“”1.461-171-1822.12-12-12.1.192.1.2IC102.1.3NPCCNAPSCCPCCCPCCNAPSCNAPSMBFEMBFEABSTBSABSTBS2-22500LCH23EISCNAPS[4]CNAPS2-211NPCCCPCCCPCCCPCABSCCPCTBSCCPC[5]NPC12CCPCHVPSBEPS2005620066[6]123ATM/POS2.1.413[7]2.2150064570001[8]200516500[9]200561608.752005161424.0630%,200516160312.08200550[10]15“”RTGS“”DVP[11]1633.11)[12]2)1997FSA200112FSMA2000FSAAPACS1985APACSCHAPSBACSCHAPSRTGS[13]20018NEWCHPAS“”17APACS[14]RTGSCHAPSCHAPS3)—1111[15]3.23.2.1(SWIFT)SWIFT18SWIFT:[16];SWIFT;SWIFTSWIFTSWIFT[17]SWIFT3.2.2:(Europay),VISAMasterCard(1)(Europay)1992[18](2)VISAVISA19[19]VISA(3)MasterCardMasterCard29000[20]MasterCardMasterCard()(EUROGIRO)3.33.3.127000[21]:::(1);140(2)ATMrubATMPOS20(3)FedwireFedwire()FedwireFedwireFedwire2002Fedwire9800289300(4)(CHIPS)CHIPS1971CHIPS[22]FedwireCHIPSCHIPSFedwireCHIPSCHIPSCHIPS----CHIPS3.1CHIPS3.1CHIPS10000063$292147080518$1159313811597604952371454.3%0158$311706562855$1241858816603779792405501.6%0254$315708517978$1257802860632978342521834.7%0354$326560621246$1301038331645133872570251.9%0451$345793313786$1366771991685418662709165.4%0548$349870667178$13993907040714816392847875.1%(1)(2);“”;Fedwire;CHIPS(3)(UCC)UCC:3()4()4A(ACH)8()[23]221987(EFAA)))CC))J1978E—:3.3.2(1):;;23(2)“”()200282%35%(3):CHIPS14073ATM21129“”():VisaMasterCard[24]:242544.1NPCCCPCCCPC41CCPC2MBFEMBFECDCCPC1MBFEMBFEABNPCCBGSABSTRSFETCBDABSTRSCBGSFETCBD4-126MBFEABSTBSCCPC4.2“”1250023[25]2,,,,,,,,,,273,,,,,,CNAPS,4520056150064570001[26]620051650028200561608.7520051624.0630[27]200516160312.08200550[28]78299[29]“”RTGS“”DVP4.311EIS302322003[30]3“”“”4131“”23()43212343355.1200011CCPC337[31]6CCPCMBFEMBFECDCCPCMBFEMBFEABNPC5-134“31(CCPC),CCPC”[31]CCPCCCPCNPC5-15-1“”5-2“”2005“”NPC“”39CCPCCCPC“”NPC“”“”“”35NPCMBFEMBFEAB5-2“”NPCNPC36NPC5-3NPCCBGSFETCBDABSTRSABCNAPS5-3375.25.2.1RTGS[32]5.2.2[33]38,,,[34]5.2.3[35]39[36][37][38]40[39]5.2.4[40]41“”5.2.5425.2.61[41]432,“”31“”23[42]4“”5444“”[43]545204647[1].WTO.,2003.[2],..:,2002.[3],,.21:.:,1998.[4],,..:,1997.[5]..:,2001.[6],,..:,2001.[7]..,2001,(11):3640.[8]..,2004,(1):1618.[9]..2002,(4):3338.[10]..2001,(4):7679.[11]JordiCanals.InternationalComparsionsandTheoreticalPerspectives.NewYork:ClarendonPress,1997.[12]RudiVanderVennet.CostandProfitEfficiencyofFinancialConglomeratesandUniversalBanksinEurope.JournalofMoney,Credit,andBanking,2002,34(1):102110.