商业银行参与者支付系统风险分析  

Analysis on the Payment System Risk of Commercial Bank Participant

作　　者：王祥峰[1] Wang Xiaofeng(Hefei Central Sub-branch,the People's Bank of China)

机构地区：[1]中国人民银行合肥中心支行

出　　处：《金融发展评论》2018年第9期129-139,共11页Financial Development Review

摘　　要：随着商业银行支付系统业务持续发展,支付服务拥有更广袤的空间,但机遇与风险并存。支付风险一旦发生,将直接影响银行、企业资金安全。央行支付系统在全国拥有11万家商业银行参与者,是我国支付清算服务组织的核心部分。应用审计中的固有和剩余风险概念,对商业银行参与者支付系统风险进行实证分析评价,不仅可以有效防范支付系统风险,更好的维护支付系统权威,同时有助于发挥支付系统运管部门服务与管理双重功效,引领商业银行参与者,促进支付系统业务健康快速发展。Along with the continuous development of commercial bank payment system, payment and settlement services have more space, but opportunities and risks coexist. Once the payment and settlement risks are translated into actual losses,it will directly affect the security of banks and enterprises, and the stability and development of social economy. Commercial banks are the main participants in the central bank payment system, and the analysis and evaluation of the system risks of commercial bank participants can not only prevent the payment system risks, but also maintain the authority of the payment system. Given full play to the dual functions of service and management, it will lead the commercial banks and promote the healthy and rapid development of the payment system.

关 键 词：支付系统 商业银行参与者 固有风险 剩余风险 运行管理 

分 类 号：F832.2[经济管理—金融学]