支付体系变革及其对中央银行的挑战

Payment System Reform and Challenges for Central Banks

支付体系是一国金融体系的核心基础设施。随着信息技术的发展,支付体系发生了巨大的变革,经历了实物支付、信用支付到现在的电子支付阶段。电子支付系统与电子支付工具的发展对中央银行的地位和职能都产生了深远的影响。本文从中央银行地位变化、货币政策和金融稳定三方面,分析支付体系变革给中央银行带来的挑战,并就中央银行如何应对提出对策建议。

Payment system is the key infrastructure of financial system. With the development of information technology, payment system experienced huge changes. The electronic payment system and payment instrument have profound impacts on the status and function of central banks. In this paper, it analyzes the challenges that the payment system has brought about to central bank and puts forward some suggestions.