本文關(guān)鍵詞：成都農(nóng)商銀行人民幣支付清算體系優(yōu)化研究　出處：《西南交通大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 支付 清算 體系

【摘要】：商業(yè)銀行的經(jīng)營(yíng)和盈利離不開(kāi)中間業(yè)務(wù),支付結(jié)算業(yè)務(wù)正是最重要的中間業(yè)務(wù)之一,是銀行對(duì)資金的運(yùn)用進(jìn)行監(jiān)控,敦促各主體遵守其支付契約的重要的方式。對(duì)支付清算業(yè)務(wù)進(jìn)行創(chuàng)新可以加強(qiáng)金融服務(wù),在提高銀行競(jìng)爭(zhēng)力,擴(kuò)大銀行資金量等方面有著非常關(guān)鍵的作用。伴隨著我國(guó)經(jīng)濟(jì)的發(fā)展,支付結(jié)算制度作為資金流動(dòng)的重要節(jié)點(diǎn)也面臨著改革和強(qiáng)化,目前我國(guó)已初步建立了支付清算體系。各家商業(yè)銀行也要順應(yīng)時(shí)代的需求,客戶(hù)的要求和人民銀行的要求采取有效措施持續(xù)不斷地加強(qiáng)支付清算的改革和創(chuàng)新。支付渠道的穩(wěn)定、安全和結(jié)算效率直接關(guān)系到商業(yè)銀行的產(chǎn)品創(chuàng)新速度以及客戶(hù)體驗(yàn)度。成都農(nóng)商銀行作為一家從農(nóng)信社改制而來(lái)的商業(yè)銀行,承擔(dān)著改善農(nóng)村支付環(huán)境、加大農(nóng)村地區(qū)非現(xiàn)金結(jié)算工具的運(yùn)用和推廣,構(gòu)筑城鄉(xiāng)經(jīng)濟(jì)橋梁的作用。同時(shí)作為一家股份制銀行,也以股東利益最大化為經(jīng)營(yíng)目標(biāo),積極參與市場(chǎng)競(jìng)爭(zhēng)、創(chuàng)新業(yè)務(wù)產(chǎn)品。支付清算是否快速和有效直接關(guān)系到各項(xiàng)業(yè)務(wù)的發(fā)展和創(chuàng)新的深度、廣度。本文首先對(duì)國(guó)際及國(guó)內(nèi)的支付清算體系進(jìn)行系統(tǒng)的研究,總結(jié)發(fā)達(dá)國(guó)家先進(jìn)支付清算體系發(fā)展的經(jīng)驗(yàn),梳理我國(guó)支付清算體系的發(fā)展歷程。隨后從實(shí)際出發(fā),充分借鑒國(guó)內(nèi)外支付清算領(lǐng)域先進(jìn)的理念,總結(jié)目前成都農(nóng)商銀行支付結(jié)算工具、結(jié)算方式、清算系統(tǒng)存在的問(wèn)題,并認(rèn)真分析問(wèn)題的成因,結(jié)合自己多年的工作經(jīng)驗(yàn)提出大膽設(shè)想,積極拓展支付結(jié)算工具的使用范圍、創(chuàng)新結(jié)算方式、優(yōu)化支付清算系統(tǒng)。特別是提出統(tǒng)一支付平臺(tái)的構(gòu)想,將多個(gè)結(jié)算品種、結(jié)算指令發(fā)起渠道、支付清算渠道通過(guò)統(tǒng)一支付平臺(tái)向各校驗(yàn)、作業(yè)、匯劃系統(tǒng)分配任務(wù),旨在控制風(fēng)險(xiǎn)、提高效率、增強(qiáng)客戶(hù)和柜臺(tái)操作人員體驗(yàn)度。本文的寫(xiě)作一方面旨在提高自身業(yè)務(wù)水平,同時(shí)也可作為與同行探討的思路。
[Abstract]:Commercial banks operating profit and cannot do without the intermediary business, payment and settlement business is one of the most important intermediary services, is to monitor the use of funds of the bank, urged the body to comply with its payment contract. An important way of the payment and settlement business innovation can strengthen financial services, improve the competitiveness of banks, has a very the key role of the expansion of bank funds. With the development of China's economy, the payment and settlement system as an important node in the flow of funds is also facing the reform and strengthening, China has initially established the payment clearing system. Commercial banks should also conform to the needs of the times, the customer requirements and the requirements of the people's Bank take effective measures to continuously strengthen the reform and innovation of the liquidation payment. Payment channel stability, security and settlement efficiency is directly related to the speed of product innovation of commercial banks As well as the customer experience. The Chengdu rural commercial bank as one from the reform of rural credit cooperatives and commercial banks bear the improvement of rural payment environment in rural areas, increase the use and promotion of non cash settlement tools, build urban and rural economic bridge. At the same time as a joint-stock bank, but also to maximize the interests of shareholders business goals, and actively participate in market competition, innovative business products. Whether the fast and efficient payment and settlement is directly related to the development and innovation of the business of the depth and breadth. This paper made a systematic study on the domestic and international payment and settlement system, developed countries advanced payment and settlement system development experience, combing the development of China's payment the course of liquidation system. Then from the reality, make full use of domestic and foreign payment field of advanced concept, summed up the current Chengdu rural commercial bank payment and settlement, settlement The clearing system, the existing problems, and a careful analysis of the causes of the problem, combined with their years of work experience put forward bold ideas, actively expand the scope of use of payment and settlement tools, innovative means of settlement, optimize the payment system. Especially the proposed unified payment platform structure, a plurality of settlement varieties, settlement payment instructions initiated channels. Clearing channels through a unified payment platform to check the homework assignment, transfer system, to control risk, improve efficiency, enhance customer and counter operator experience. This paper attempts to improve the level of their own business, as well as with their peers to explore ideas.

【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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