我国商业银行支付系统风险预警分析.pdfVIP

P a 扣11en t sy stem r isk ea rl y 一w 翻 in g stud y o f C o m m- ere ia l B an k in C h ina sy stem r isk ，C h in a ，5 c o mm ere ia l b an k s fre q u ent ly en co u n ter th e 10 55 o f the ev en t C an sed b y the P aynl en t sy stem r isk . An d b eeau se C h in a ，5 eo m m erc ia l b a l水 5 P la e e little em P h a sis o n the a e eum u lati o n o f h isto r ica l d ata o f 10 55 o f P a 贝n en t sy stem r isk s，the d ata ab o u t the P a y ln en t sy stem r isk are v ery P o o r ，th e P ay lllen t sy stem r isk m an a g em en t 15 v ery d i伍 cu lt. T h e in form ati o n d isc lo su re sys tem o f C h in a ，s co m m erc ia l b an k s 15 n o t P erfe ct，the b a llk s h av e a h id d en m o tiv e o f r isk ev en ts，50 it 15 m o re d iffi cu lt to co lle ct h isto r ic a l d ata o f C h in a ，5 co m m erc ia l b ank s ’P a 丫m en t sy stem r isk . O n th is b a sis，th e au tho r se le eted 2 4 in d icato rs for ea sier a c c e ss to d ata to b u ild a C h in e se co m m ere ia l b a llk P ay m en t sy stem r isk e arl y w arn in g sy stem . In th is P ap e几 1 u se the id ea o f P r in c iP a l co m P o n en t to rem o v e th e m u ltieo llin eari ty Prob lem . 1 give four Prev ention recom m endation s to k e即 aw ay th e Paylllent sy stem risk : to stren gth en the com m ereial b an k ln g sy stem o f P ay m en t sy stem s， im P ro v e th e eo m m ere ia l b an k P a y n len t sy stem s : im P ro v e th e law s an d regU latio n s relatin g to P ay lllen t an d settlem en t sy stem : to stren gth en th e P a犯11en t system P art ic iP an ts in th e P a y ln en t r isk m an ag em en t: fo ster an d P ro m o te g o o d ，so u n d so