歐洲電子支付系統(tǒng)ppt課件-閱讀頁
2025-02-03 22:20本頁面
【正文】 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 ? Single Price Structure (same platform, no difference between domestic and crossborder) ? Standardization and Consolidation (settlement of all participants from a single RTGS account) ? More reliability 結(jié)語 ? TARGET是按照嚴(yán)格的技術(shù)程序逐步實(shí)施的 , 其中的 EDA、 EPM以及測試等環(huán)節(jié)的安排 , 對于今后進(jìn)一步推動我國支付系統(tǒng)建設(shè)有一定的參考價值。 TARGET是建立在非常完整的法律框架基礎(chǔ)上的 , 它的一個重要特征是將若干現(xiàn)有的系統(tǒng)有機(jī)地連結(jié)在一起 , 而不是重新構(gòu)建一個全新的系統(tǒng)。因此歐盟法律框架中的許多方面都值得我
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