加强我国现代化支付系统风险管理的思考  

Thought on the Risk Prevention and Control in CNAPS

作　　者：柴小卉[1] 靳力华[2] 

机构地区：[1]西安交通大学管理学院,陕西西安市710061 [2]中国人民银行邯郸市中心支行,河北邯郸市056002

出　　处：《金融研究》2006年第3期138-145,共8页Journal of Financial Research

摘　　要：支付系统是支撑一国经济活动的关键基础设施,也是金融风险传递的主要渠道,本文剖析支付系统中各种风险之间存在的本质联系,指出流动性风险和信用风险是其源头和核心,允许日间透支、自动质押融资、净借记限额机制是防范其风险的关键措施;分析我国现代化支付系统存在支付清算立法层次低、制度建设不完善、接入外系统没有信用评估和风险控制手段、运行维护机制不顺、人员素质有待提高等问题,并提出相应措施。The payment system is the key infrastructure for a country, and it is an important channel of transferring financial risks too. Based on analyzing all types of payment system＇ s risks, the paper discusses all kinds of risks in CNAPS deeply, and concludes that the liquidity risk and credit risk are the key risk source. The ddaytime overdraft, impawn financing, net debit cap and matching mechanism are the key measures to prevent and control these risks.

关 键 词：中国现代化支付系统 风险 防范 

分 类 号：F832.2[经济管理—金融学]