Research On The Risk Control Of AB Bank Cross Payment Clearing System

Interbank payment and settlement business is the basic business of social economic operation.At present,China's rapid development of the clearing market,the rapid growth of business scale.In addition to the people's Bank of modern payment system,a large number of commercial banks have entered the clearing market,operating their own interbank clearing system.But because of the construction of our legal system is not complete,business regulation is not in place,the system of the commercial banks almost under non regulatory state,the existence of credit risk,liquidity risk is very prominent,if not timely to control the situation,will be a serious threat to the stable operation of the entire financial system.This paper adopts the method of case study,considering the development course,trans bank payment and clearing market related classical theory,AB bank clearing system development present situation,the existing policy system and risk control measures,the advanced payment system risk control and further reference of international banking experience,a comprehensive analysis of the risk of AB bank platform system.In the end,it focuses on the particularity of domestic law and market environment,and puts forward some countermeasures and suggestions on the basis of analyzing the characteristics of AB bank.The conclusion of this study on the prevention and control of AB bank payment and settlement system is of great realistic significance to all kinds of risks,it is important to in this paper based on the theory of the conclusion of the study were reasonable extension to the present our country financial institutions.