The role of payment and settlement business

Second, the significance and role of payment and settlement business:

1 payment and settlement business is the product innovation foundation of state-owned commercial banks in the era of low profit.

2. Payment and settlement business is related to the capital operation and enterprise survival of state-owned commercial banks.

3 the role of payment and settlement business in the operation and management of state-owned commercial banks

Payment and settlement business not only provides convenient services for customers of state-owned commercial banks to handle payment and settlement activities, but also brings safe and stable income to state-owned commercial banks. It is an important means for state-owned commercial banks to raise idle funds and expand the sources of credit funds, and its role in the operation and management of state-owned commercial banks is undoubtedly important.

1. The improvement of laws and regulations on payment and settlement business has guaranteed and maintained the settlement order and strengthened the supervision of illegal activities of enterprises; Adapt to the development of e-commerce, strengthen the concept of laws and regulations, and strictly implement the responsibility of institutional behavior.

2. The improvement of payment and settlement management system reduces the coordination cost of payment system supervision and improves the efficiency of payment system supervision.