国内外支付系统流动性风险管理比较与借鉴

The Difference of Capital Liquidity Venture Warning Systems between China and Other Foreign Countrys

本文在对支付系统流动性风险进行归类和总结的基础上,研究对比借鉴了美国两大支付体系(联邦储备通信系统Fedwire和清算所银行同业支付系统Chips)多年运行过程中的风险控制实践和经验,分别从强化风险意识、制定损失分摊原则、建立风险评估机制和创新风险防范工具等方面,提出了改进我国支付系统流动性风险管理的建议措施。

The capital transfer becomes effectively and steadily after CNPAS was opened up,but the risk especially liquidity capital venture appeared concomitant. The disquisition has researched the two-risk warning systems in America （Fedwire and Chips） and means to find out the differences between two countries. Finally, the disquisition figures out that it will be useful for improving our country＇ s risk warning system through strengthening risk warning consciousness,constituting the principle of loss proportion and capital venture evaluation ,or innovating advoiding venture methods.