Bank clearing refers to the use method of setting the security password of clearing system, including clearing key and replacement key, accepting and reviewing accounting vouchers such as remittance list sent by accounting counter, sending them online after verification, inputting or receiving inquiry and reply information from accounting counter, monitoring the operation status of clearing equipment, network communication status and working status of adjacent nodes, and contacting upper and lower branches and relevant departments to ensure smooth clearing data.
Clearing center refers to the unit in the system that handles the calculation and control of inter-bank fund transfer, inter-bank fund settlement, fund lending, account number audit and other accounts. The comprehensive settlement center undertakes the construction, operation, maintenance and management of the payment and settlement system. Fund settlement refers to the transfer of funds between financial institutions, the transfer of payment accounts, and the repayment of the resulting funds.
The clearing center of provincial branches is a subsidiary of the clearing center of the People's Bank of China. It is a national financial service institution that provides payment and clearing and related services for the central bank, the whole society and commercial banks, and shoulders the post responsibilities of the construction, operation, maintenance and control of the payment and clearing system of the People's Bank of China. The process of the settlement center includes: large-value instant payment platform (HVPS), small-value batch payment platform (BEPS), online payment transfer settlement system (IBPS) and regional foreign exchange payment platform (CFXPS), which is an important financial infrastructure in China and the main artery of national and social capital flow.
Taking the bank as an example, the clearing center mainly refers to the banking business, the settlement of various currency exchange rates during currency exchange, and the settlement of various merchants paying funds to merchant accounts through terminals. Including credit cards, inter-bank business fees, etc. In a sense, it plays an intermediary role. There are many kinds of clearing centers, besides banking, there are many other businesses.
Liquidation is a procedure, including calculation and verification, to end the existing legal relationship, dispose of its remaining property and make it disappear. Liquidation is a legal procedure. When an association is cancelled, it must be liquidated. An act that terminates itself without liquidation has no legal effect and is not protected by law.
Provincial branch clearing center: it is the accounting and management department that handles fund transfer between handling banks, fund settlement between clearing banks, fund lending, reconciliation and other accounts in the system. For example, if you use ABC's debit card to withdraw money from Bank of Communications, the bank and withdrawal place will not be shown on the bill, but the clearing center of ABC.