Study On Non-cash Settlement Tools System And Risk Prevention Of Bank In China

Settlement system is an important component of a country's economy and finance. As an important component of settlement system, non-cash settlement tools' category has been gradually increased and its function has been improved daily in recent years, there is huge development space for it to be as the carrier substituting cash settlement. At present, China has formed a diverse non-cash settlement tools system, bills and bank cards being as the main body, electronic settlement being as the development direction. The comprehensive application of non-cash settlement tools has played an important role in reducing cash flow, reducing transaction costs, curbing corruption and tax evasion, regulating the financial order and improving the social credit. But at the mean time, its comprehensive application has brought the problem of risk becoming increasingly prominent.This paper combines actual situation of our country's non-cash settlement tools system and tries to analysis its developing status, the main factor that influence its father development and its risk problem comprehensively, and lodge some operable suggestion with pertinence, provide direction for bank management and reference for reforming and improving non-cash settlement tools, thereby play a promoting role in its regulation and fast development.This paper would make a classified research according to the frame of non-cash settlement tools system on the developing status of bank non-cash settlement tools system, the development and risk-presentation analysis of bank bill operation, bank cards business and rising electronic settlement tools by means of literature research, case and data analysis.There is the finding through the research that bills have the risk of dissension, credit, chicane, bereavement and management. This paper points out that " bills system " is the direction of bill risk prevention. For bank card, because of the combination of inner and outer risks, to improve the bank card laws and regulations, strengthen joint shock efforts of relevant departments, accelerate the building of personal credit rating system, strengthen the management of technique and people presentation are the effective ways of preventing bank card risks. For online settlement, this paper figures that accelerating the building of Certification Center, uniforming data certificate, clarifying regulation system, establishing industry standard and strengthening management to the third-party online settlement operator are the development direction of preventing online settlement. For stored value cards, this paper figures that vacuum supervision, potential solvency crisis and the disuniform of market access system are the biggest problem feazing the development of stored value card. And also points out that building market access system, strickly limiting the card issuers of pre-deposit funds using and uniforming the business settlement mode of non-bank stored value cards are the next developing direction for stored value cards.