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二代支付系统上线后,全国支付系统参与机构均实现“一点接入,一点清算”。“一点清算”模式对商业银行的资金沉淀需求小,能有效提高资金使用效率,降低流动性风险。但同时存在流动性风险集中在总行,风险点发生变化等问题。本文旨在研究“一点清算”模式下流动性风险的变化,并对流动性风险管理提出建议。一、二代支付系统流动性管理措施支付系统流动性风险是支付系统中某个参与者在预期的时间没有足够的资金清偿其在支付系统内的债务所构成的风险。流动性
After the second-generation payment system goes online, all participating institutions in the payment system have realized “a little access, a little liquidation”. The “one-point liquidation” mode has little need for commercial banks to deposit funds, which can effectively improve the capital utilization efficiency and reduce the liquidity risk. However, at the same time, liquidity risks are concentrated in the head office and the risk points change. The purpose of this paper is to study the changes of liquidity risk under the “one-point liquidation” model and make recommendations on liquidity risk management. First and second generation payment system liquidity management measures Paying system liquidity risk is the risk posed by a participant in the payment system that does not have sufficient funds to pay off its debts within the payment system at the expected time. fluidity