Tariff reduction opportunity analysis

List of contents of this article:

• 1,Tariff reduction opportunity analysis System difference between large and small payment system
• 2, People's Bank of China's large and small payment system amount limit
• 3, What transaction code to pass the large and small payment system support institution

The system of the large and small payment system The difference

The large and small payment system refers to the large payment system and the small payment system.

The difference is that the large-amount system is 9:00 AM on weekdays: Open from 00 to PM5:00. If you miss this time, the transaction data cannot be transferred from line A to line B. Small amounts are open 24 hours a day on weekdays, but the maximum single amount is 50,000 yuan.

Small payment system refers to large payment system and small payment system. The operation working day of the large payment system is the national legal working day, and the operation time is from 8:30 to 17:00 every day. The People's Bank of China can adjust the operating working days and operating hours according to management needs. The small payment system operates continuously for 7×24 hours.

The large payment system includes foreign exchange, transfer of entrusted collection, transfer of collection and commitment, remittance of funds handled by the central bank and the treasury department, acceptance of bills of exchange inquiry, etc.

The amount limit of the People's Bank of China's large and small payment system

Limit: The maximum credit of a single amount of the small payment system is 50,000 yuan, and there is no limit for real-time credit and debit business. From January 25, 2020, the single payment limit of the central bank's micropayment system will be increased from 1 million yuan in 2019 to 500 million yuan.

The daily cumulative limit is 20,000 yuan. SequenceThe single limit and daily cumulative limit of three-party payment are set by the third-party payment company, which is usually 5,000 yuan and 20,000 yuan. The maximum single amount supported by the People's Bank of China's micro-amount system is 50,000 yuan. The large-amount system of the People's Bank of China has no amount limit.

The small payment limit is 1 million yuan, and the large payment limit is 500 million yuan. According to the official website of the Beijing News, in 2021, the limit of the large payment system was increased to 500 million yuan, and the limit of the small payment system was increased to 1 million yuan.

What transaction code does the large and small payment system support institution pass

1. SAPS: It is a support system for payment system, which centrally stores clearing accounts and handles large payment systems and small payment systems And online branchPay the full or net liquidation business Yuan submitted by the interbank clearing system and support the fund clearing of the unilateral business submitted by the centralized system of the centralized system.

2. The difference between the large payment system and the small payment system: the small payment system operates 7*24 hours, and a single transaction cannot exceed 50,000 yuan. The official said that it will be credited within 2 days, but in fact it will be within 2 hours.

3. Large payment system: large payment is operated from 8:30 to 17:00 on weekdays. Theoretically, it will be credited in real time, that is, to the receiving bank. In principle, more than 50,000 yuan will be paid in large amounts, but in fact, small remittances during working hours on weekdays can also be sent in real time. Just take a large channel and expedit it. The large payment system handles credit payment business.

4. The system handles the same city and other places, commercial banks acrossAll kinds of large credit and emergency small credit payment business between and within banks, handling various credit payment business in the People's Bank of China system, and handling instant transfer business of bond transactions.

5. Generally speaking, the amount of less than 50,000 yuan can be paid through the small payment system, while the amount of more than 50,000 yuan is mainly paid through the large payment system.

6. Large and small payment systems refer to large payment systems and small payment systems.