银行支付结算风险管理

Settlement risk management in bank payment

针对银行支付结算风险控制问题,采用归纳分析的方法,分析了银行支付结算风险的特点和种类,指出银行支付风险的主要因素是内部控制软弱、风险意识淡化、经营管理不善以及法律法规不健全等,提出加强银行内部控制建设、完善支付法律法规、加强员工队伍建设、加强信息技术建设等策略。研究结果为银行控制支付结算风险提供参考。

In view of problems of settlement risk control in bank payment,analyses were made of settlement risk characteristics and types in bank payment.Findings show that the main factor of bank payment risk is in weak internal control,weak risk awareness,inadequate management and unsound laws or regulations.Strategies were put forward in strengthening the construction of internal control,improving payment laws and rules,consolidating the construction of bank staff and information technology.Results offer reference in promoting settlement risk control in bank payments.