2020年跨境支付报告 - 金融稳定理事会（英文版）（34页）.pdf

1、 Enhancing Cross-border Payments Stage 1 report to the G20: Technical background report 9 April 2020 The Financial Stability Board (FSB) coordinates at the international level the work of national financial authorities and international standard-setting bodies in order to develop and promote the imp

2、lementation of effective regulatory, supervisory and other financial sector policies. Its mandate is set out in the FSB Charter, which governs the policymaking and related activities of the FSB. These activities, including any decisions reached in their context, shall not be binding or give rise to

3、any legal rights or obligations under the FSBs Articles of Association. Contacting the Financial Stability Board Sign up for e-mail alerts: www.fsb.org/emailalert Follow the FSB on Twitter: FinStbBoard E-mail the FSB at: fsbfsb.org Copyright 2020 Financial Stability Board. Please refer to: http:/www

4、.fsb.org/terms_conditions/ iii Contents Introduction . 1 1. Existing arrangements for cross-border payments . 2 1.1 Introducing the cross-border market . 2 1.2 Retail end-user facing environments (front end) . 8 1.3 Architecture of cross-border payment services (back end) . 10 2. Challenges and fric

5、tions in existing arrangements for cross-border payments. 12 2.1 Challenges in existing arrangements . 13 2.2 How frictions affect the cross-border payment process . 18 2.3 Considerations for policymakers . 22 3. Areas to explore further in developing the roadmap . 26 Annex Trusted ledger arrangemen

6、ts for payment arrangements . 29 iv 1 Introduction The Saudi Arabian G20 Presidency has asked the FSB to coordinate amongst the relevant stakeholders on a three-stage process to develop a roadmap to enhance cross-border payments: Assessment (Stage 1): The FSB, in coordination with relevant internati