支票电子化发展趋势的观察、分析与思考

The Observation, Analysis and Reflection of the Development Trend of the Electronic Process of Cheques

支票电子化是提高支票支付效率,预防票据风险的重要手段。2007年,全国支票影像交换系统(CIS)的推广上线,拉开了我国票据电子化的序幕,并有力提升了支票的电子化处理水平。在支付创新不断涌现、市场繁荣发展的背景下,作为传统支付工具的支票业务量不断萎缩。基于此,本文梳理审视了近几年来CIS业务发展,将其放入整个票据、支票业务中进行对比分析,勾勒出支票电子化走势,分析了存在的问题及成因,对了解支票电子化进程,推动传统支付工具改造升级,推进支付工具创新发展有重要意义。

The electronic process of cheques is an important means to improve the cheque payment efficiency and prevent bill risks. In 2007, the using of Cheque Image System（CIS） opened the prelude of electronic bills, and effectively enhances the level of electronic processing of cheques. In the context that the payment innovation is emerging and the market is booming, the amount of cheque payment is shrinking as a traditional tool. The paper examines the business development of CIS in recent years, puts it in the entire bill and cheque business and makes comparison and analysis, sketches out the trend of electronic process of cheque, and summarizes existing problems and causes. All of these are very beneficial to understanding the electronic process of cheques, upgrading the traditional payment tool and promoting the development of innovative payment tools.