央行支付助推我国城镇化进程的实证研究

Empirical Research on Payment-Service of Central Bank Boosting the Process of Urbanization in China

现代经济中,金融基础设施已经成为社会经济核心部分,以央行支付系统为主要载体的支付服务取得了长足发展。作为经济发展的结果,城镇化水平和进程决定了支付服务建设和发展水平,而后者作为最主要的金融服务,必然影响城镇化的质量和进程。现阶段打造新型城镇化,离不开金融服务特别是央行支付服务的支持。研究城乡支付服务格局,破解支付清算服务瓶颈,提升支付服务水平,有利于助推我国新型城镇化建设,促进经济社会和谐发展。

In modern economy, financial infrastructure has become an integral part of society, and the payment and settlement services based on payment system have made great progress. As a natural result of the economic development, the level of the urbanization process determines the level of the construction and development of ＂payment and settlement＂, and as the main financial services, the latter will inevitably affect the quality and progress of urbanization. At this stage, creating new urbanization will necessarily need the support of financial services. Study on the service pattern of urban and rural payment business and improving the level of payment service according to its bottleneck are both beneficial to improve production and living quality, promote sound and rapid economic and social development, as well as to promote the construction of the new urbanization.