英国支付体系风险监管的启示  

A Payment Risk Prevention Model Worth Learning——Enlightenment from risk management of British payment system

作　　者：薛荣[1] 

机构地区：[1]中国人民银行兰州中心支行,甘肃兰州730000

出　　处：《西部金融》2010年第10期28-29,14,共3页West China Finance

摘　　要：支付体系是为保证各类支付活动得以实现的一系列法律制度安排、支付服务基础设施、支付工具和支付服务提供者的有机组合。依照国际一般的定义,支付体系应包括支付服务组织、支付工具、支付系统、支付结算监督管理四部分。本文研究了英国支付体系的建设、支付系统的运行及支付系统的监管现状等,并取得相关实证资料,与我国支付系统相印证,对我国支付体系的建设、加强支付清算体系的监管及支付系统的运行维护、风险防范等具有一定的借鉴意义。The payment system is a institutional combination to ensure the smooth payment activities, including legal arrangements, payment services infrastructure, payment instruments, and payment service providers. In terms of international definitions, a payment system should include payment service organizations, payment instruments, payment systems, payment and settlement supervision. This article compares the composition,operation and supervision of British payment system with that of China,and proposes the suggestions on how to strengthen supervision and risk prevetion.

关 键 词：支付体系 风险监管 

分 类 号：F830.31[经济管理—金融学]