Government Supervision Research On Payment Settlement Risk Of Commercial Banks

Payment and settlement business is the relationship between traders and commercial banks to realize their creditor's rights and debts by means of fund remittance and transfer.Payment and settlement business is a payment instrument derived from the development of a country's economy,which manages the transfer of currency through the payment and settlement system.The perfect payment and settlement system can stabilize China's financial system,accelerate the efficiency of social capital flow,and promote the rapid development of society.As the central bank,the People's Bank of China is responsible for maintaining and stabilizing the steady development of China's payment and settlement system,especially when there are risks such as loopholes in payment and settlement transactions,unbalanced payment environment and market failure,etc.Therefore,as an important part of the payment and settlement system,China's payment and settlement supervision is related to the smooth operation of the whole payment and settlement system,and even plays a vital role in the stable and healthy development of China's financial system.With the rapid development of social economy in China,the payment and settlement system has undergone tremendous changes.However,there are some problems in the process of transformation,such as the lack of a sound legal basis for new payment and settlement methods,and the slow construction of payment and settlement environment in rural areas.The current payment and settlement supervision method can no longer control and avoid the risks.Based on this background,this paper studies the current situation of China's payment and settlement system,explores the regulatory methods of government regulatory agencies in payment and settlement,and refers to the practices of foreign government regulators to investigate the measures and methods suitable for China's regulatory agencies,which are in line with the development of payment and settlement business.This thesis first explains the concept of payment and settlement business,the attributes of public goods and the main legal basis,At the same time,from the perspective of payment and settlement supervision of commercial banks,this paper focuses on the analysis of the theory of government supervision and its application in this paper.This paper is divided into seven parts:the first part is the introduction,which briefly describes the research background,research significance,research situation at home and abroad,research methods,research content,as well as the innovation and shortcomings of the research.The second part is the theoretical basis of payment and settlement business,which mainly explains the specific concept of payment and settlement business,the attribute of public goods,legal basis and characteristics,as well as the concept of government supervision theory and its application in this paper.The third part describes the current situation of China's payment and settlement business system and regulatory status quo.Based on the current situation of payment and settlement business,the fourth part puts forward the risk of supervision,and analyzes the causes of these risks in terms of legal system,service environment and resource allocation.The fifth part is to analyze the government supervision system of payment and settlement business from the perspective of developed countries and the author 's enlightenment from it.This part introduces the practice of risk supervision of payment and settlement systems in the United States and Japan,and learns from the successful experience of foreign payment and settlement risks.Based on the analysis of the problems and causes of the supervision of payment and settlement business and combined with the enlightenment from the practical experience of developed countries,the sixth part puts forward the countermeasures and suggestions to improve the supervision of payment and settlement business in China.This paper mainly puts forward suggestions from three aspects.Firstly,it is necessary to improve the system of payment and settlement system in China,then,to strengthen the environmental governance of payment and settlement business,and finally to strengthen the team construction of payment and settlement system.Therefore,through the research on the supervision of payment and settlement business system in China,this paper hopes to provide new supervision ideas for the government regulatory agencies,and constantly improve the payment and settlement supervision system by continuously improving the existing supervision methods,strengthening the supervision and the governance of the payment environment in rural areas,so as to promote the sustainable and steady development of China's socialist economy.