Financial infrastructure construction: pave the way for the "bridge" for serving the real economy

Financial market infrastructure is a channel for financial and roads and bridges carrying financial resources transactions. The efficient operation and interconnection of financial infrastructure provides a solid basic institutional guarantee for promoting the formation of unified and open financial markets, giving full play to the configuration of financial market resources, and improving the efficiency of serving the real economy.

Since the 18th National Congress of the Communist Party of China, my country's payment liquidation system layout has gradually improved and optimized to reach the international leading level; relying on the Internet as the active establishment of a modern payment service system, it has opened a new chapter in the construction of payment fields; The construction and services of the basic database of financial credit information continue to deepen; the gold trading platform has gradually become an important market for multi -level, full function and internationalization; the central opponent's clearing system effectively helps prevent and resolve systemic risks, filling gaps in the professional field ...

With the increasingly complete financial infrastructure in my country, the financial system has strong elasticity and sufficient toughness, and the foundation for serving the high -quality development of the real economy, effectively impacting the foundation of external risks and escorting.

Unblocked the "great arteries", providing strong support for the flow of funds

From banknotes, passbooks, bank cards to mobile payment, from scanning code shopping to social payment, inductive payment, buffet ordering, applet ride code ... Today, payment methods have broken the limit of "stop payment" and comprehensively constructed to build a comprehensive construction People's smart life. Behind these changes in life is the strong support of my country's payment and liquidation system as the "great arteries" of the whole society's capital flow, making "zero funds" and "payment all -weather" a reality.

Since the 18th National Congress of the Communist Party of China, the construction of my country's payment and liquidation system has continued to advance, and various payment scenarios such as large funds, financial market transactions, personal retail payment of residents, and domestic and foreign currency payment have been fully supported. The demand for fund settlement of multi -type payment tools for cross -line liquidation and use of multi -type payment tools is at a leading level in international similar systems.

Statistics show that in 2021, the total number of business pens and amounts of the entire system handled reached 21.855 billion, respectively, 66.219 trillion yuan, respectively. It covers most of the banking institutions across the country and connects financial markets such as bond markets and foreign exchange markets. It is the "aorta" and "high -speed roads" drawn by social funds in my country.

Where the payment demand for enterprises and the public extends, the payment liquidation system is developed and upgraded. In 2017, the new online banking system scanning code payment, SMS verification code authentication, real -time account information query and other functions; in 2018, extend the schedules of the large payment system, support RMB cross -border payment to cover the world's main time zone; in 2019, mobile phone number payment The business is launched and supports rapid payment through the mobile phone number; in 2020, the construction of a convenient payment service platform that integrates payment, liquidation, and information transmission is built -the national comprehensive business service platform, 7 × 24 hours provides a variety of convenient payment services services Essence As of now, the platform has served nearly 10,000 public welfare institutions and public institutions, and nearly 20 million households, migrant workers, small and micro enterprises and other types of contributions or issued users, and the effectiveness of serving people's livelihood has continued to show.

In order to improve the settlement efficiency of RMB cross -border payment and promote the international use of RMB, serving the "Belt and Road" initiative, the People's Bank of China organized the construction of the RMB cross -border payment system (CIPS) since 2012. As of the end of 2021, there were 1,259 participants in CIPS. Participants covered 103 countries and regions around the world. The business development covered 178 countries and regions around the world, and basically met the demand for cross -border payment settlement.

Practice "pay for the people" and protect the people's "money bags"

The annual "Double Eleven" and "Spring Festival red envelopes" are the peaks of transactions paid by domestic online payment. On November 11, 2021, the People's Bank of China guided the relevant institutions of the Internet of China to successfully complete the "Double Eleven" payment clearing business peak guarantee work. The total number of business peaks of the connected and UnionPay on the day of the Internet of China and UnionPay reached 96,500 pens/s.

According to the concept of "co -construction, sharing, sharing" in the network payment industry, more than 160 experts from 30 main bodys of the payment industry have completed the design and construction by the 30 main entities of the payment industry, and opened a new chapter in my country's financial infrastructure construction and operation methods. At present The leading network payment financial infrastructure has strongly demonstrated the new model of the construction of the new era in the new era.

It is understood that the construction process of my country's connected platform follows the principle of "autonomous controlled". All the core systems achieve independent research and development. The first multi -dot, multi -live, distributed, cloud computing architecture technology, successfully overcome transaction high concurrency, hot accounts, massive data processing The three major problems, currently have the peak processing capacity of 300,000 transactions per second, provided a solid support for the peak guarantee work of "Double Eleven" and "Spring Festival red envelopes".

As a financial infrastructure carrying the national network payment and transfer liquidation, the network connection platform connects nearly 4,000 banks and payment institutions, with a single -day business volume of more than 2 billion strokes and more than 10 trillion yuan. The body has become a vivid epitome of the comprehensive deepening reform of my country's payment field.

After the establishment of the connected platform, it provided a safe and efficient cross -institutional transaction liquidation service for the payment institution, and supported the People's Bank of China to complete the payment institution's full deposit management to the central bank account. The funding security of the payment institution was fully guaranteed. Focusing on the development concept of "paying for the people", the networking platform effectively monitor illegal and illegal acts such as the risk of paying money, cross -border gambling, and telecommunications fraud, and fully guard the safety of the people's "money bags". By output uniform standards, products and services to the industry, the average transaction time paid by the network has been reduced from 600 milliseconds to 200 milliseconds. The user who used to withdraw from 2 hours is greatly shortened to the account. Enjoy a safer and convenient payment experience. Adhering to the "last mile" of the network payment, the network -connected platform has accumulated over 3,300 rural financial institutions, covering all counties and regions of my country. People can easily handle the network payment business through the banks at their doorsteps and enjoy Internet technology dividends.

Advanced benchmarking, promoting the high -quality development of the financial industry

In recent years, Jinxing Village, Shuibei Town, Xinyu City, Jiangxi Province, has vigorously developed the categaining tea industry. Fujun, a villager in Jinxing Village, who worked in foreign workers, joined the tide of returning home to start a business. With good credit and stable operating conditions, Fu Shun became the first 5A -level letter user for the Xinyu Branch of the Postal Savings Bank. "As long as a ID card is provided, the bank staff collects information on the spot, big data will automatically evaluate my credit level, and you can also see how much your credit can be loaned, which is very convenient." Fu Shun said with a smile.

Since 2012, the construction of the basic database of the national financial credit information has been deepening, service capacity, operating efficiency and security performance have continued to improve, and the number of natural persons, enterprises and other organizations included has steadily increased, achieving full coverage of credit record information subjects. Corporate and personal credit reports, related inquiries, important information prompts and other credit reporting products and services are continuously enriched. They have played in helping individuals and enterprises with good credit for personal and enterprises, preventing financial risks, promoting the development of the credit market, and optimizing the business environment. Important role.

Small and medium -sized enterprises want to raise funds, and they have nowhere to find information such as mortgage of production equipment, pledge receivables, real estate and rights guarantee. Since 2012, the scope of real estate financing registration services of the People's Bank of China has continued to expand, forming more than 10 guarantee registration services such as pledge and transfer, financial leasing, and warehouse receipt for receivables, which has laid the establishment of a unified registration system for real estate and rights guarantee for the country The foundation. The unified registration service effectively promotes the expansion of the increase in real estate and rights guarantee, and improves the acquisition of financing of small and medium -sized enterprises.

Since the 18th National Congress of the Communist Party of China, the infrastructure of my country's gold market has embarked on the road of high -quality development. Over the past ten years, the Shanghai Gold Exchange (hereinafter referred to as the "Golden Institute") has gradually become an important financial infrastructure with a single variety and small volume of gold trading platforms. The scale is growing. The market transaction value increased from 3.53 trillion yuan to 2.053 trillion yuan, an increase of nearly 6 times, of which the international board transaction amount increased from more than 45 billion yuan in 2014 to 3.07 trillion yuan, an increase of 68 times; 6350.20 tons increased to 34,800 tons, an increase of 5 times. Over the past 10 years, 71 warehouses have been deployed in 37 cities in the country, and a complete and efficient delivery storage system has been established.

Since the 18th National Congress of the Communist Party of China, the Shanghai Clearance Institute has established an effective risk management mechanism, orderly risk preparation resources, and accurate risk measurement methods for the highest and stricter standards of the labeling of the Shanghai Calculation Office. Opponent. In 2021, the Shanghai Clearance Institute launched the commodity spot liquidation business, which solved the pain points such as inconvenience and security of the long -term existence of spot -based offline deposits and security. play a key role in. With high -quality risk management practice, the Shanghai Clearance Institute has won the highest honor in the national quality management field of the Fourth China Quality Award, and has achieved zero breakthrough in the financial industry.

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