Second generation network silver system to be launched in late August

Absrtact: Morning News reporter learned yesterday, commercial banks are now intensively docking to the People's Bank of China (hereinafter referred to as the Central bank) the second generation of net silver test acceptance work, known as Super net Silver second generation Network silver system will be online in late August. According to the central bank's payment and settlement office

The morning news reporter learned yesterday, commercial banks are now intensively docking to the People's Bank of China (hereinafter referred to as the Central bank) the second generation of net silver test acceptance work, known as "Super Net Silver" second generation network silver system will be online in late August.

According to the central bank's pay and clearing office related sources, according to the timetable, the central bank's development of the second generation of payment system will be launched in November 2011, but an important part of the commercial banks of the main line of the network silver port of the second generation of network silver system as planned in late August, " The commercial bank which completes the system transformation and the interface opening has already entered the final Test stage. ”

The so-called "second generation payment system", according to the central bank's official website, the second generation payment system can provide the banking financial institutions with flexible access mode, liquidation model and more comprehensive liquidity risk management means, realize the interconnection of Internet, support the business processing of the emerging electronic payment and the settlement of RMB cross-border payment, To achieve the reciprocal payment (PVP) Settlement of this foreign currency transaction. ”

But in short, compared with the first generation system, for enterprises or individuals, "super net Silver" will be able to achieve real-time interbank transfer and cross bank account inquiries. "In the current payment system, cross-bank transfers want to be realized in real time, except in extreme conditions, which are almost impossible in reality." ”

The head of the electronic Banking department, a state-owned bank, explained when the commercial bank completes the docking with the central bank "super Net Silver", the biggest change is that the customer can find out the fund in all the other commercial bank accounts through a commercial bank's net bank, which is different from the UnionPay ATM channel which can only find the current account. Super Net Silver ' channel, customers in different banks in different accounts of the time deposits, demand deposits, funds, and even account of the financial products can be found through a commercial bank of the net bank. ”

The newspaper reporter learned that at present, commercial banks are only in the system's physical structure to do a good job, as for the use of the new system, including real-time cross-bank transfer business and Cross-border account inquiries how to charge, are waiting for official documents.

A joint-stock commercial bank electronic channel business people said, is still waiting for the relevant management measures and institutional arrangements for the introduction.

Central bank insiders said, "Super net Silver" at the beginning of the development of the functional positioning of the main commercial Bank of the group customers, some of the functions of the brewing to individual customers open, when customers can sign an agreement with the bank, to determine authorization, the opening of real-time cross-border transfer and cross-bank account inquiries.

As for the new business of commercial banks brought about by the "Super Net Silver", the central bankers said that there are several options, and it is possible to push forward free of charge, "everything will be red."

Morning newspaper reporter Zhang Sa