Strengthening top-level design and perfecting infrastructure to promote the healthy and orderly development of payment clearing service market

Source: Internet
Author: User

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With the rise of modern electronic payment, the transfer of funds has broken the limitation of time and space, changed the financial form and economic life. At the same time, payment organizations continue to enrich, new payments continue to innovate, payment has gradually formed a broad and complex industrial system.
According to the People's Bank of China, as of the end of 2014, the National Renminbi Bank settlement account opened in the country reached more than 6.5 billion households, an increase of 15.4% over a year earlier; 2014 A total of 62.752 billion non-cash payment business in the country, the amount reached 1817.38 trillion yuan, respectively, growth of 25.11% and 13.05%. That is to say, in 2014, the capital of 1817.38 trillion yuan was mainly transferred between more than 6.5 billion accounts. Such a large amount of payment, for most of our economic activities and economic relations to provide a strong support and services.
Payment is an industrial chain, in addition to the payment of the front desk, third-party payments also require back-up, clearing and settlement of strong support. Since 2005, the People's Bank of China has built and run a large small payment system, the National cheque Image Exchange System, online payment cross-line clearing system and other important cross-bank payment system, for financial institutions and financial markets to provide a low-cost, efficient public clearing platform. At the same time, in order to meet the needs of transfer liquidation in specific areas, encourage the innovation and promotion of non-cash payment tools, the People's Bank of China actively cultivates a diversified payment service main body, approves the establishment of UnionPay, and is responsible for promoting universal and universal application of bank card cross-line interconnection, and approving the establishment of City Commercial Bank capital Clearing Center For the city commercial banks, rural credit cooperatives and other banking institutions such as foreign exchange, bank drafts and other funds liquidation business. Through these measures, we have strongly promoted the formation of multi-level and diversified payment service market in China, and satisfied the diversified payment demand in the economic development.
In recent years, the situation and environment of the payment clearing service market have undergone fundamental changes.
One is that new market participants are constantly joining. At present, 269 non-financial institutions have been allowed to engage in payment business, the type and number of financial institutions are also growing, especially the new type of internet financial enterprises are emerging, such as Shenzhen Qianhai micro-bank, Zhejiang Network Business Bank.
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Strengthening top-level design and perfecting infrastructure to promote the healthy and orderly development of payment clearing service market

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