The current situation of payment and settlement business of commercial banks

Taking China's modernized payment system as the core and commercial banks' intra-bank fund transfer system as the basis. After years of efforts, China's payment and clearing system construction has begun to take shape, with China's modernized payment system as the core, the commercial bank funds transfer system as the basis for the coexistence of local coexistence of the bill exchange system of China's payment and clearing system structure, the establishment of the "two votes, one card, three ways" as the main payment and settlement system, and the development of the credit payment tools.