支付系统运维监控业务外包风险管理研究及建议

The Research on Outsourcing Risk Management of Payment System Operation and Maintenance Monitoring

支付清算系统是最重要的金融基础设施之一,在促进资金流通、加快经济发展、维护金融稳定、畅通货币政策传导等方面发挥着不可替代的作用。近年来,人民银行和清算总中心对支付清算系统运维监控提出了更高的要求,很多人民银行分支机构清算中心探索采用支付系统运维监控业务外包方式提高连续性保障水平,但该举措同时也带来了相应的风险。本文分析了支付系统运维监控外包的主要驱动原因,梳理了外包过程中可能产生的风险点,结合人民银行西安分行在外包管理风险防控中的举措,提出了加强支付系统外包管理的相关建议。

The payment and settlement system is one of the most important financial infrastructures in China, and it plays an irreplaceable role in promoting capital circulation, accelerating economic development, maintaining financial stability, and smoothing the transmission of monetary policy. In recent years, the People’s Bank of China have put forward higher requirements on the operation and maintenance monitoring of the payment and settlement system. Many CCPCs have explored the use of outsourcing methods to improve operation and maintenance monitoring of payment system. However, it also brings corresponding risks. This paper analyzes the main drivers for the outsourcing of payment system operation and maintenance monitoring, sorts out the possible risks in the outsourcing process, and summarizes measures taken by the People’s Bank of China Xi’an Branch in the prevention and control of outsourcing management risks, and puts forward relevant suggestions to strengthen the payment system outsourcing management.