浅析人民币第二代支付系统对银行流动性管理的影响

Impacts of the second-generation payment system on banks＇ liquidity management

中国人民银行第二代支付系统将于今年6月末起在全国各商业银行陆续部署上线。文章回顾了二代系统建设背景，介绍了二代系统的特点和创新的流动性管理功能，分析了其对于商业银行流动性管理的促进作用及带来的挑战，并就商业银行完善内部流动性管理框架和机制建设、提高对二代系统的适应和运用能力提出相关建议。

The second-generation payment system will be successively launched by the People＇s Bank of China at various commercial banks across China from end-June of this year. This article reviews the second-generation payment system＇s construction background, introduces its features and its innovative functions on liquidity management, analyzes its roles in promoting commercial banks＇ liquidity management and the relevant challenges, and further puts some suggestions for commercial banks on how to improve their internal liquidity management framework and mechanism construction, and how to enhance their abilities to adapt and apply the second-generation payment system.