The Research On Preventing And Suggesting In Payment And Settlement Risk Of Our Commercial Bank

With the rapid development of social, Commercial bank has an important role on the development of our economic and our daily life as a core of financial system .Settlement has an effect on the development of commercial bank as the basic business of bank .Once the bank has a settlement risk, the benefits of social people or the credit of bank even the economic development will be in the trouble. Payment and settlement business is a traditional business of commercial Banks. It affects commercial bank credit and survival of commercial bank when it can not operate savely then affects the financial stability.The article first is about concept of payment and settlement risk, characteristics, types and methods of Preventing risk, and introduces bill and debit card ,which are two basis tools of payments and settlement and the development of risk facing was analyzed, meanwhile the article analyzes the payment and settlement risk of our economy, it influences our economy . The last is through analyzing the foreign countries for settlement risk management practice, thus the reference of foreign successful experience and combining with in order to prevent our country commercial bank payment settlement risk also puts forward some feasible countermeasures and Suggestions.This paper includes five parts: The first part is the introduction section, this paper briefly narrated the research background, the research significance, this paper innovation and shortage collided;The second part is the payment and settlement risk in this part of the overview, the concept, characteristics, classification of the payment and settlement risk and the methods of preventing payment and settlement risk and discusses influence of the payment and settlement risk on economy; The third part is about our payment tool system in present situation and risk analysis, and the business, bank card business, the instrument of new electronic payment and settlement tool development present situation. The fourth part of Chinese commercial Banks pay settlement risk problems is expounded, and then analyzes the reasons; The fifth part is about management practice in settlement risk of foreign countries and the payments and settlement system in the United States and foreign successful experience of payments and settlement risk; The sixth part is about the countermeasures of preventing payment and settlement risk.