發展支付系統一般指導準則

General guidance for payment system development

 

支付及清算系統委員會

Committee on Payment and Settlement Systems

 

20061

January 2006

 

 

A. 銀行體系

A. Banking system

 

指導準則一、維持中央銀行中心地位:鑑於必須對本國貨幣整體健全性負責,因此,在推廣使用本國貨幣作為有效的支付工具方面,中央銀行居於中心地位。

Guideline 1. Keep the central bank at the centre: due to its overall responsibility for a sound currency, the central bank has a central role in the development of the use of money as an effective means of payment.

 

指導準則二、促進健全銀行體系的功能:最終使用者可以運用的支付帳戶、工具和服務,係由各銀行和其他類似的金融機構所提供。個別銀行間固然互相競爭,惟通常仍必須互相協調行動,形成體系。

Guideline 2. Promote the role of a sound banking system: payment accounts, instruments and services available to end users are provided by banks and other similar financial institutions, which compete individually but often need to act cooperatively as a system.

 

B. 規劃

B. Planning

 

指導準則三、體認複雜性:規劃作業的基礎應為,對本國支付系統的所有核心元件,以及對影響其發展的主要因素,均有週延的瞭解。

Guideline 3. Recognise complexity: planning should be based on a comprehensive understanding of all the core elements of the national payment system and the principal factors influencing its development.

 

指導準則四、著重需求:探尋本國支付系統所有使用者對支付的需求,以及經濟體系的配合能力,並以之作為指引。

Guideline 4. Focus on needs: identify, and be guided by, the payment needs of all users in the national payment system and by the capabilities of the economy.

 

指導準則五、設定清楚的優先順序:從長期策略角度規劃及設定本國支付系統發展的優先順序。

Guideline 5. Set clear priorities: plan and prioritise development of the national payment system strategically.

 

指導準則六、執行非常重要:確保策略性計畫的有效執行。

Guideline 6. Implementation is key: ensure effective implementation of the strategic plan.

 

C. 制度架構

C. Institutional framework

 

指導準則七、促進市場發展:支付服務市場機制的擴展和強化,為本國支付系統演進的重要層面。

Guideline 7. Promote market development: the expansion and strengthening of market arrangements for payment services are key aspects of the evolution of the national payment system.

 

指導準則八、讓具有利害關係者參與:鼓勵對本國支付系統具有利害關係的各方間,發展有效果的諮商管道。

Guideline 8. Involve relevant stakeholders: encourage the development of effective consultation among relevant stakeholders in the national payment system.

 

指導準則九、合作推動有效果的監管:中央銀行對支付系統的監管,若要發揮效果,則通常必須與其他主管機構建立合作機制。

Guideline 9. Collaborate for effective oversight: effective payment system oversight by the central bank often requires collaborative arrangements with other authorities.

 

指導準則十、增進法規確定性:為本國支付系統建立透明、週延、和健全的法規架構。

Guideline 10. Promote legal certainty: develop a transparent, comprehensive and sound legal framework for the national payment system.

 

D. 基礎設施

D. Infrastructures

 

指導準則十一、擴展小額支付服務的涵蓋範圍:擴展和改進支付基礎設施,增加消費者、企業和政府得運用的有效率且安全的非現金支付工具和服務的涵蓋範圍和選項。

Guideline 11. Expand availability of retail payment services: extend the availability and choice of efficient and secure non-cash payment instruments and services available to consumers, businesses and government by expanding and improving retail payment infrastructures.

 

指導準則十二、讓業界需求引導大額支付系統:主要根據金融市場需求,及具有時間急迫性跨行支付量的增加情況,以發展大額支付系統。

Guideline 12. Let the business case guide the large-value payment system: develop a largevalue payment system based primarily on the needs of financial markets and the growth in time-critical interbank payments.

 

 

指導準則十三、協調支付與證券系統的發展:協調證券與大額支付系統的發展,以增進金融體系的安全和效率。

Guideline 13. Align development of payment and securities systems: coordinate the development of securities and large-value payment systems for safety and efficiency in the financial system.

 

 

指導準則十四、協調零售、大額與證券系統的清算作業:在作業層面,應協調各核心系統的清算程序,以有效率地管理彼此間互相關聯的流動性需求和清算風險。

Guideline 14. Coordinate settlement of retail, large-value and securities systems: the settlement processes for the core systems should be operationally coordinated to efficiently manage the interrelated liquidity needs and settlement risks among them.