摘要
中国现代化支付系统(以下简称支付系统)上线20年以来,历经第一代到第二代支付系统跨越式发展,对直接参与者的服务、监督和管理日趋完善。随着支付清算行业和金融科技的快速发展,支付系统参与者出现了新形势和新变化,各类地方法人银行业金融机构以间接参与者身份(以下简称法人间参)通过多种方式接入支付系统办理业务,支付系统在法人间参清算资金监管、系统接入等方面面临新的挑战。本文作者通过实地走访和问卷调查的方式,对吉林省辖内法人间参接入支付系统现状和办理支付清算业务存在的问题开展了调查研究,并探索提出解决措施,以期更好地维护辖区支付系统安全稳定运行。
Since the launch of China National Advanced Payment System for 20 years,it has undergone leapfrog development from the fi rst generation to the second generation,and the services、supervision and management of direct participants have become increasingly perfect.With the rapid development of the payment and clearing industry and fi nancial technology,there have been new situations and changes in the participants of the payment system,various local legal person banking and fi nancial institutions,as indirect participants,access the payment system through various means to handle business.The payment system faces new challenges in terms of inter legal settlement fund supervision,system access,and other aspects.The author of this article conducted a survey and research on the current situation of legal participation in the payment system and the problems in handling payment settlement business within the jurisdiction of Jilin Province through on-site visits and questionnaire surveys,and explored and proposed solutions to better maintain the safe and stable operation of the payment system in the jurisdiction.
作者
冷东波
张帅民
LENG Dongbo;ZHANG Shuaimin
出处
《吉林金融研究》
2023年第8期67-69,共3页
Journal of Jilin Financial Research
关键词
支付系统
间接参与者
监督管理
payment system
indirect participants
supervision
