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支付清算是现代金融服务体系的主要功能之一。支付清算体系是国民经济和社会资金流动的大动脉,在方便市场交易,减少现金使用,维护市场秩序,规范结算行为,防止支付风险,加快资金周转,畅通货币政策传导,密切各金融市场有机联系,推动金融工具创新,提高资源配置效率,打击洗钱、逃债、逃贷和腐败等方面发挥着极其重要的作用。本文对我国支付清算系统的现状和问题进行了阐述与分析,提出建议。
Payment settlement is one of the main functions of the modern financial service system. The payment and settlement system is the main artery for the flow of national economy and social funds. It facilitates transactions in markets, reduces the use of cash, maintains market order, regulates settlement behavior, prevents payment risks, accelerates capital turnover, unblocks monetary policy, Promote innovation in financial instruments, improve the efficiency of resource allocation, combat money laundering, evade bonds, escape loans and corruption. This article elaborates and analyzes the current situation and problems of payment and settlement system in our country, and puts forward some suggestions.