我国银行卡跨行清算系统的演进

On the Evolution and Technique of China's Bank Card Inter-bank Settlement System

支付清算系统是国家金融市场和经济运行的核心基础设施,随着银行卡交易量的逐渐增多,银行卡跨行清算系统成为其中较为重要的一个部分。本文着重从我国银行卡跨行清算系统的特点、演进过程和技术特点三个方面进行分析,在全面认识和分析我国银行卡跨行清算系统的基础上,阐述了我国银行卡第二代跨行清算系统的技术特点,提出了清算系统未来的研究方向。

Payment and settlement system is the core infrastructure of financial market and economic operation.As bank card transactions gradually increase,inter-bank settlement system of bank card becomes an essential part of financial settlement system.The article focuses on the analysis of features,evolution process and technical characteristics of China's inter-bank settlement system.On this basis,it concludes the technical features of the second generation of inter-bank settlement system,and points out the directions for future researches.