The XY Bank Interbank Payment And Settlement Systems Research On Risk Control

XY bank is the first national joint-stock banks, in its expansion-into the process, given the number of branches of its own serious shortage, put forward the conception of development and Payment and settlement system-silver cross platform for small and medium-sized banks "network cooperation mutual agency". As at the end of 2014,silver platform is connected 497 banks, a total of more than 31000 outlets, business growing in volume. As commercial banks, XY bank size is larger stronger the establishment of the liquidation channels can be integrated a variety of financial services, is developing rapidly, and the people’s Bank of modern payment system to form a complementary and coincidence effect certain. But because the regulatory environment, market environment and other reasons, commercial banks for payment and settlement systems are still free in the scope of regulation, credit and liquidity risks exist that can not be ignored, the risk also by individual institutions to the risk of systemic financial risk evolution, if not under control, will adversely affect the stable operation of the whole the financial system.In view of this, this paper take XY bank inter-bank payment clearing system risk control as the research object, to carry out the situation and related data of XY bank based business, and with the payment and settlement system of risk measurement and control theory as the basis, for the prevention and control of XY bank to pay all kinds of risk its own financial system brings and practical considerable clearing system. The thesis consists of seven chapters:The first chapter:the introduction part, it mainly introduces the research background, that is, pay liquidation industry development environment, and the significance of this study, that is why XY bank inter-bank payment clearing system risk control research.The second chapter:the theoretical foundation, described the related concepts of the payment and settlement system, and the most popular international financial risk control theory, the theory basis of the research.The third chapter:the payment and settlement of market and the bank XY silver platform development overview of cross line, the introduction of international and domestic inter-bank payment the origin and development of the liquidation market, and the XY Bank silver platform production and current business development present situation.The fourth chapter:XY bank inter-bank payment clearing system risk analysis, the common risk combing the payment and settlement system of the typical XY, expounds the existing banking risk control measures, in-depth analysis of various types of risk exist.The fifth chapter:the international banking payment system risk control experience of Europe and America, the main payment system risk control measures were discussed.The sixth chapter:XY bank inter-bank payment clearing system risk control measures, according to the analysis of existing problems, and learn from international experience in risk management, puts forward the measures and suggestions to adapt to the situation of our country.The seventh chapter:conclusion prospect, collates and summarizes the conclusions of this paper, and the future prospects of cross bank payment and settlement of risk control system presented.