中国人民银行制定颁布的《支付结算办法》（以下简称办法）已实施一周年。《办法》的实施，完善了票据法规体系、规范了支付结算行为；严肃了支付结算纪律、维护了支付结算秩序；防范了支付结算风险，有力地推动了社会主义市场经济的发展。但通过一年实践的检验，也暴露出一些 The People’s Bank of China promulgated the “Payment and Settlement Measures” (hereinafter referred to as the “Measures”) for the first anniversary of its implementation. The implementation of the Measures improved the legal system of bills, regulated the payment and settlement behavior, severely ruled the payment and settlement discipline and maintained the order of payment and settlement, prevented the payment and settlement risk and effectively promoted the development of the socialist market economy. But after a year of testing practices, but also exposed some