scope of business
The large payment system includes remittance, entrusted collection remittance, collection and acceptance remittance, fund remittance handled by the central bank and the state treasury, acceptance bill inquiry, etc.
The business types of micropayment system include
1. General credit business (remittance, entrusted collection and remittance)
2. Collection and acceptance, etc.
3. Term credit business (such as payment of wages and insurance benefits).
4. Ordinary debit business and regular debit business. Regular debit business (such as collecting water, electricity, gas, etc.) )
5. Real-time credit business (interbank deposits, real-time tax payment, etc.). )
6. Real-time debit business (inter-bank withdrawal, real-time tax payment, etc. )
7. The collection and payment business initiated by the clearing organization,
8. Net settlement business in the same city
9. Capital-related business
10, withdrawal business
1 1, check deposit business
12, check the intercepted business.
13, Information Services
The large payment system only deals with credit payment business; Micropayment system is mainly for consumers to pay (borrow).
Starting point of amount
At present, the principle of the starting point of business amount is "not to set the starting point of the amount in the large payment system, but to set the upper limit of the amount in the small payment system".
The maximum amount of a single payment in the micropayment system is 50,000 yuan, and there is no restriction on real-time lending business.
Payment mechanism
The large payment system operates according to the national legal working days. The system divides each working day into daytime business processing time, clearing window time, day-end/year-end business processing time and business preparation time. Business acceptance time: 8: 00-17: 00;
The micropayment system runs continuously for 7 days ×24 hours. The day-cutting is carried out at 16:00, that is, the day before 16:00 is a working day of the micropayment system, and the capital settlement time of the micropayment system is the working time of the large-value payment system.
The micropayment system can still accept small businesses normally after the daily cut, and some small businesses will no longer be included in the settlement on the same day, and will be automatically included in the first netting settlement the next day (postponed to the first working day after the holiday in case of holidays).
Payment management
All credit cooperatives must designate accountants with high professional level, strong sense of responsibility, honesty and reliability to operate the large payment system, and implement a regular post rotation system. Credit cooperatives are responsible for the qualification examination of the staff of the large payment system, determine the candidates, report to the county association for the record, and establish the management files of the staff of the large payment system in the clearing center of the association. And accept the unified training and assessment of the Associated Press.
When the operator of a large payment system changes. The operator change form of large payment system should be filled in. At the same time, apply for cancellation and establishment of operator code. After the approval of the credit union clearing center, the credit union clearing center will cancel the transfer personnel and establish a large payment system code.
Operators of large payment systems strictly implement the principle of one person with one code, and their operation codes and passwords (personal identification numbers) shall be kept strictly confidential, and they shall not disclose them to anyone, set single or continuous numbers, or use initial passwords. They should change their passwords regularly to prevent the disclosure of secrets.
If the operator leaves his post temporarily, he should exit the trading screen. Temporary shift personnel shall not use the original operator code and password, and shall reapply for the operator code.
Payment authority
The division of powers and responsibilities of authorizers at all levels shall be enforced by the computer system. Sending business to account: 500,000-3 million yuan is authorized by the accounting supervisor, and more than 3 million yuan is authorized by the interbank clearing center. Authorized personnel at all levels shall not exceed the authorization.
In order to strengthen the management of capital position, when the remittance business of 6.5438+0 million yuan (inclusive) occurs in each credit cooperative, the social accounting supervisor shall notify the clearing center of the credit cooperative by telephone in real time.
Payment service
Yes: real-time business transmission, sending to be transferred, batch packaging and sending, automatic posting after receiving, receiving confirmation and sending, real-time netting processing, planned daily reconciliation, batch netting settlement and 24-hour operation.
Real-time business transmission: refers to the real-time transmission of micropayment business processing information by the system after the teller inputs and rechecks it.
Batch packaging and sending: refers to the system automatically packaging and sending small amounts to be sent according to the determined quantity, amount and time.
Automatic collection accounting: refers to the collection of credit entry, debit payment business, charge business, exchange difference settlement and other businesses. Automatically calculated by the system.
Confirmation and sending of receipt: refers to sending all the received deduction payment services after deduction by the entry clerk and review by the reviewer.
Real-time offset processing: refers to the real-time offset processing of micropayments one by one after passing the net debit limit check.
Regular daily reconciliation: refers to the daily reconciliation automatically carried out by the system according to the daily reconciliation time specified by the People's Bank of China. If the daily reconciliation is successful, the clearing center will reconcile with the People's Bank of China for accounting treatment.
Batch net settlement: refers to the automatic batch settlement of accounts based on the net balance formed by the reconciliation with the People's Bank of China.
24-hour operation: refers to the 7*24-hour uninterrupted operation mode of micropayment system.