2. The central bank accounting system ({ABS), treasury accounting system (TBS) and city clearing system are connected with the micropayment system through the city processing center (CCPC);
3. Commercial banks, clearing organizations and other institutions are connected with the payment system CCPC through the front-end computer system (MBFE);
4. The bill processing systems of treasury bonds, UnionPay, foreign exchange and city commercial banks are not connected to the micropayment system, and only deal with large payment services. First, provide low-cost and large-scale payment and settlement services for the society, support the application of various payment tools, and meet the payment needs of various social economic activities;
Second, improve the unified, efficient and safe payment and settlement system and China's financial infrastructure;
Third, better perform and play the role of the central bank and promote economic and financial development. First, it can support the application of various payment tools. In addition to the traditional remittance business, the micropayment system can also handle the horizontal networking business, inter-bank deposit and withdrawal business, cheque deposit and withdrawal business, public utility charges, salary payment, pension and insurance benefits.
The second is to realize 7×24 hours continuous operation. The system supports online payment, telephone tax payment and other services. At the same time, in order to meet the needs of statutory holidays, the "full-time" service is implemented, that is, 7×24 hours of uninterrupted operation. The micropayment system supports five types of business, namely, general credit business, general debit business, regular credit business, regular debit business and information service business, and other business types will be opened one after another when conditions are ripe.
(1) General credit business: refers to the active payment business handled by the payer through his bank, mainly including remittance, entrusted collection (remittance), collection and acceptance (remittance), online banking payment and other businesses below the specified amount. Before May 20 10, the maximum amount of credit business handled by the micropayment system was 20,000 yuan, that is, the micropayment system can only handle credit payment business with the amount not exceeding 20,000 yuan, and the business with the amount exceeding 20,000 yuan needs to be handled through the large real-time payment system. The People's Bank of China may adjust the upper limit of this line according to management needs. In order to promote the balanced development of large and small payment systems, from May 4, 20 10, the upper limit of general credit and conventional credit business of micropayment system was adjusted from 20,000 yuan to 50,000 yuan.
(2) Regular credit business: refers to the batch payment business initiated by the payer's bank to the designated payee's bank on a regular basis according to the contract (agreement) signed by both parties in advance, such as the batch transfer of wages, pensions, insurance premiums and various funds of the state treasury, which is characterized in that a single payer initiates payment instructions to multiple payees at the same time. Formal credit business is also controlled by the upper limit of credit line.
(3) General debit business: refers to the collection business initiated by the payee to the payer's bank through his bank, including the debit business of the People's Bank of China, the debit remittance business of the national treasury and the check interception business.
(4) Regular deduction business: refers to the batch payment business initiated by the payee's bank to the designated payer's bank on a regular basis according to the contract (agreement) signed by both parties in advance. For example, the payee entrusts his bank to collect water, electricity, gas and other utilities, which is characterized in that a single payee sends payment instructions to multiple payers at the same time.
(5) Real-time credit business: refers to the business initiated by the bank where the payer entrusts his account to transfer certain funds to the designated payee's account in real time, mainly including real-time tax payment by the state treasury, inter-bank personal savings deposit and withdrawal, etc.
(6) Real-time deduction business: refers to the business of real-time deduction of a certain amount from the designated payer's account initiated by the bank entrusted by the payee, which mainly includes real-time tax deduction from the national treasury, inter-bank personal savings withdrawal and other businesses. The basic business processing flow of micro-system is "24-hour continuous operation, transaction initiation, package delivery, real-time transmission, bilateral net settlement and regular liquidation".
1. Microsystem runs continuously for 7×24 hours, and the system runs from 16:00 on the previous natural day to16: 00 on this natural day;
2. Initiating banks initiate small services one by one, which are packaged by CCPC or NPC and transmitted to receiving banks in real time;
3.CCPC inter-bank business and NPC off-site business shall be offset by the collection clearing bank or payment clearing bank one by one, and submitted to SAPS for liquidation at the specified time. CCPC and NPC make the final netting settlement on the day after the daily cutting of microsystem at 16:00, and the business after the daily cutting is included in each netting settlement on the next day.
4. The clearing date of microsystem netting amount is the national legal working day, and the clearing time is 8:30- 17:00. In case of holidays, the microsystem can still carry out netting and forwarding business, but all netting amounts will be settled on the first legal working day after holidays. (1) payment is electronic, safe and efficient.
The micropayment system realizes the interconnection between different bank outlets and the electronic processing of business instructions, which greatly shortens the time for funds to arrive in the account; At the same time, the micropayment system has perfect operation and management mechanism and safety precautions to ensure the safety of fund transfer.
(2) There is no time limit for service, and payment is more convenient.
The micropayment system runs continuously for 7×24 hours, which can provide all-weather uninterrupted payment services for enterprises, institutions and individual residents.
(3) It is more convenient to charge and easy to pay.
The charging unit only needs to open an account in a bank to handle all the charging business, and the time for funds to arrive in the account is obviously accelerated; The payer can also open an account in only one bank to pay various fees. Inter-bank payment is easier, time-saving, trouble-free and worry-free.
(4) Pay wages across banks, making the transfer more flexible.
Enterprises and institutions can entrust the opening bank to pay wages and pensions to employees who open accounts in different regions and different banks in time, which will bring tangible convenience to citizens' home life.