Research On The Relationship Between The Central Bank Counting System And Payment System And The Future Structure Optimization

"China’s payment system development report 2009" pointed out that "building the second generation payment system CNAPSII and a central accounting accounting data centralized system (ACS) system is an important measure of people’s Bank for the improvement of China’s payment system, ACS is the central bank integrated business system, is the basis of CNAPSII". From 2003 to pay at the beginning of the system construction, the second generation of payment system on-line operation, the central accounting data centralized system from ABS upgrade to the ACS system, but from beginning to end and payment system has a "inextricably relationship. The payment system in Chinese, Central Bank of centralized accounting system is the central bank payment and settlement system of bookkeeping clearing system, payment system is clearing the bookkeeping system is the core of both the payment and settlement system composition.People’s bank accounting system and payment system is in a relationship of mutual support and common development. starting from the basic concept of settlement, accounting, clearing, and to clarify the function concept in relationship orientation in the process of payment. Describes the commercial bank settlement bookkeeping system structure, the bookkeeping system is the core of the system of commercial banks; review each other to promote historical relationship of mutual support of the payment system and the accounting system. Describes the payment clearing system and the accounting system of functional relationships, further discusses the characteristics of the relationship between the ACS and CNAPSII, the risk of some relationship to make the analysis, and gives relevant suggestions and countermeasures. Finally suggestions to maintain the construction achievements of the ACS and CNAPSII based construct with high cohesion of the general bookkeeping functions as the core, all central bank account data based centralized real-time accounting bookkeeping system, to provide real-time online bookkeeping services for ACS and CNAPSII, the completion of the clearing and settlement of various, interest bearing interest concentrated finish. In order to fully meet the business needs of CNAPSII and ACS, to ensure the stable operation of the payment system, and promote the development of the two systems according to their own professional direction.