国家支付系统的发展:问题与展望

N. Polishchuk, N. Golda
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引用次数: 0

摘要

本文介绍了支付系统的理论方面,澄清了国家支付系统的定义,这是一个复杂而相互关联的一套支付和技术要素,每一个都有助于金融部门和国民经济作为一个整体的有效运作。概括了支付系统分类所依据的分类特征,给出了支付系统的分类类型。概述了支付系统功能的主要任务。考虑了乌克兰支付系统的组成部分。定义了现代支付系统的基本要求。分析了乌克兰目前的支付系统,其中:由乌克兰国家银行创建的国家电子支付系统(EPS)、国家支付系统“乌克兰支付空间”、10个银行内支付系统、2个汇款系统、11个汇款系统、1个非银行机构创建的结算系统和1个卡系统、8个非居民创建的汇款系统和4个卡支付系统,以及国际支付系统。其中包括乌克兰银行创建的5个汇款系统和非银行机构创建的4个汇款系统。研究了乌克兰银行电子货币业务的现状。提出了国家支付系统的基本要求。概述了提高乌克兰国家支付系统安全水平的措施。提出了发展乌克兰电子支付系统的建议。需要特别注意乌克兰国家支付系统的发展,这取决于有效实施的创新,这些创新包括非现金支付形式的应用和扩大以及电子支付系统的保证。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Development of national payment systems: problems and prospects
The article presents the theoretical aspects of the payment system, clarifies the definition of the national payment system of a complex and interconnected set of payment and technical elements, each of which contributes to the efficient functioning of both the financial sector and the national economy as a whole. The classification features according to which payment systems are classified are generalized and their types are given. The main tasks of payment systems functioning are outlined. The components of the payment system of Ukraine are considered. The modern basic requirements to payment systems are defined. The current payment systems in Ukraine are analyzed, among which: the national electronic payment system (EPS), created by the National Bank of Ukraine, the National Payment System "Ukrainian Payment Space", 10 intrabank payment systems, 2 money transfer systems, 11 money transfer systems, 1 system settlements and 1 card system created by non-banking institutions, as well as 8 money transfer systems and 4 card payment systems created by non-residents, as well as international payment systems, which include 5 money transfer systems created by Ukrainian banks and 4 money transfer systems created by non-banking institutions . The current state of operations of Ukrainian banks with electronic money is studied. The basic requirements for national payment systems are given. Measures to increase the level of security of the national payment system of Ukraine are outlined. Recommendations for the development of the electronic payment system of Ukraine are presented. Special attention needs to be paid to the development of the national payment system of Ukraine, which depends on the effectively implemented innovations, which consist in the application and expansion of non-cash forms of payment and guarantee of the electronic payment system.
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