Why is the responsibility of the central bank's payment and clearing system paid more and more attention?

The reason why the central bank pays more and more attention to the responsibility of payment and clearing system;

The payment and clearing system is a series of organizations and arrangements to realize the payment of creditor's rights and debts and the transfer of funds, which are composed of intermediary agencies providing payment services, rules governing fund allocation, payment instructions and delivery, and professional technical means of fund settlement. With the development of economy, the number of banks is increasing, the banking business is expanding, and the relationship between creditor's rights and debts is complicated. If the bill exchange and settlement are not handled in time and reasonably, it will hinder the smooth operation of the economy. As the core participant and manager of a country's payment and settlement system, the central bank successfully completes the settlement of creditor's rights and debts and the transfer of funds between financial institutions through certain ways and means, and maintains the smooth operation of the payment system, thus ensuring the normal operation of economic activities and social life. Therefore, the responsibility of organizing the payment and clearing system has been paid more and more attention

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The composition of the central bank's payment and clearing system

I. Large-sum real-time payment system

Large real-time payment system is the main application system of modern payment system, which deals with large credit payment business, emergency small credit payment business and instant transfer business with a specified starting point or above between the same city and different places. Send payment instructions in real time one by one, and the funds will be settled in full. The service time of the large payment system is from 20:30 to 17: 15 on the last legal working day, and the clearing window time is from 17: 15 to 17:30, realizing 5×2 1 hour operation.

Second, the small batch payment system

Small batch payment system is an important part of modern payment system, which deals with debit payment intercepted by paper documents in different places and micro-credit payment with the amount below the specified starting point. The micropayment system runs continuously for 7×24 hours, sending payment instructions in batches or in real time, and clearing the funds.

Three, the national check image exchange system

The national check image exchange system refers to a national general business processing system that comprehensively uses image technology and payment password technology to convert paper checks into images and electronic information to intercept paper checks, and uses network technology to transmit check images and electronic clearing information to the drawer's bank for prompt payment, thus realizing the continuous operation of the check image system for 7×24 hours.

Four, electronic commercial bill system

Approved by the People's Bank of China, the electronic commercial bill system is an integrated business processing platform that receives, registers and forwards electronic commercial bill data messages, provides services related to electronic commercial bill monetary payment and fund settlement, and provides paper commercial bill registration and inquiry and commercial bill public quotation services.

Verb (abbreviation of verb) online payment interbank clearing system

Online payment interbank clearing system is an application system for real-time processing of emerging electronic payment services such as interbank online payment, telephone payment and mobile payment. The system sends payment instructions one by one, real-time net settlement, and timely net settlement of funds. The online operation of online payment interbank clearing system will effectively support commercial banks to improve the service level of online banking and promote the rapid development of e-commerce. The inter-bank clearing system for online payment will operate 7×24 hours.

Intransitive Verb Domestic and Foreign Currency Payment System

Domestic foreign currency payment system is a real-time full payment system that provides foreign currency payment services for banking financial institutions and foreign currency clearing institutions in People's Republic of China (PRC). Comprises a foreign currency clearing processing center and related business systems, and is connected with related systems of participants.