歐洲電子支付系統(tǒng)ppt課件(存儲(chǔ)版)
【正文】 k) receives the payment order from the client 2. The payment order is sent to the central bank’s RTGS by the credit institution by means of SWIFT or other domestic payment format (such as ICH in Belgium or DTA in Germany) 3. The Central Bank debits the account of the credit institution and credits the mirror account of the receiving Central Bank 4. The payment is sent via the TARGET work by using the interlinking format to the receiving central bank 5. The receiving central bank, in turn, books the payment amount from the mirror account of the sending Central Bank and credit the account of the receiving credit institution 6. The payment order is sent to the receiving credit institution by means of SWIFT or other domestic payment format 四、 最新發(fā)展 —— TARGET2 四、 最新發(fā)展 —— TARGET2 ? （二） TARGET2與現(xiàn)有 TARGET交易流程對(duì)比： ? TARGET2 ? Payment orders will be sent directly to the TARGET2 participants (instead of being processed via the decentralized RTGS’s) and the bookings will be handled centrally by TARGET2. 四、 最新發(fā)展 —— TARGET2 ? （二） TARGET2與現(xiàn)有 TARGET交易流程對(duì)比： ? TARGET2 1. The credit institution (your local bank) receives the payment order from the client 2. The payment order is sent directly to TARGET2 through SWIFT 3. During transfer, the bookings are settled 4. The payment order is received by the credit institution 四、 最新發(fā)展 —— TARGET2 四、 最新發(fā)展 —— TARGET2 四、 最新發(fā)展 —— TARGET2 ? DEVELOPMENT ? Harmonization (more harmonized, transparent operational procedures) ? Faster transfers (no conversions and delays) ? Cheaper costs (one platform, instead of multiRTGS’s) ? International Competitiveness ? Simplification of the noncash payment structure ? Replacement of the domestic and the crossborder payments with a single solution ? Consistent Levels of Service
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