A Studyoftherenminbi Payment And Settlement Ofchengdurural Commercialbank

Payment and settlement is the most important intermediate business of commercial banks, which is the essential guarantee of the implement of monetary management together with the method to monitor the social capital flow and to urge the performance of the payment of social members. Develop and manage payment and settlement well helps improve the financial service quality and competitive power, expand the fund sources and raise the profit level. In recent years, the People’s Bank of China continue to reform the payment and settlement system both with to strengthen the payment and settlement management, as a consequence, which initially established the payment and settlement system. Commercial banks consistently enhance the force to better the payment and settlement system while taking effective actions to explore new fields of the payment and settlement. The Product innovation and customer experience of a commercial bank has a lot to do with its stabilization, safety and efficiency of the payment and settlement method. Strypped-down from a Rural Credit Cooperatives, Chengdu rural commercial bank shoulders the responsibility to improve rural payment environment and to promote the application of non-cash settlement in rural area, in order to build the bridge between urban and rural area. Meanwhile, as a joint-stock bank Chengdu rural commercial bank takes an active part in the market and the product innovation competition, while taking maximizing shareholders’interest as the running goal. The depth, breadth of development and innovation of the business is directly related to the efficiency of payment and settlement.This paper carries out a systematic research on the domestic and international payment settlement system, summarizing the experience from countries with advanced payment and settlement system both with clarifying the payment and settlement development process of China’s. To proceed from actual condition, combing the advanced idea from other country with the working experience in Chengdu rural commercial bank of mine, I proposed several ideas of the improvement of settlement. Actively expanding the range of application of payment instruments, blazing new trails for settlement, optimizing the way of settlement system. Especially, putting forward the idea of unified payment platform which integrates varieties of settlement business, controlling the whole process of payment and settlement including the launch and verification of order, completing the fund transfer task. So as to control risk while increasing efficiency together with Improving experience of both tellers and clients。The new unified payment platform can improve the level of business, but also can be used as study with the same industry thought. This paper On the one hand, to improve my professional skill, on the other hand to contribute reference for future research.