韩国央行-2023年支付和结算系统报告（英）

ISSN 2234-2524Payment and Settlement Systems Report 20232024. 4Payment and Settlement Systems Report 20232024. 4“Payment and settlement” refers to the act of discharging obligations arising from economic ac-tivities between individuals and businesses by means of payment instruments, such as cash, pay-ment cards, or funds transfers. In order to ensure that payment and settlement transactions that support economic activities take place smoothly, payment and settlement systems, comprised of payment instruments, payment systems, and participating institutions, need to be managed and operated in a stable and efficient manner.In its capacity as the central bank, the Bank of Korea (BOK) plays a pivotal role in ensuring the smooth operation and development of payment and settlement systems in Korea, in accordance with the Bank of Korea Act. The BOK operates BOK-Wire+, a large-value payment system that finalizes settlements between financial institutions, and provides financial institutions with intra-day liquidity support to resolve settlement risks, such as those arising from settlement delays. The BOK also conducts oversight of payment and settlement systems by monitoring and assessing operating institutions and by making recommendations for improvements as necessary.The Payment and Settlement Systems Report 2023 provides an overview of the operation, over-sight, and innovation of payment and settlement systems by the BOK during 2023 and sets out future policy directions. The goal of this report is to enable system participants and the public to gain a greater overall understanding of the various payment and settlement systems in Korea.Excerpts from the Bank of Korea ActArt icle 28. Decisions on Monetary and Credit Policies The Monetary Policy Board shall deliberate and decide on matters involving the following clauses on monetary and credit policies. 10. Basic matters for the operation and management of the payment and settlement systems ac-cording to the provisions of Article 81.Ar ticle 81. Business Concerning Payment and Settlement Systems (1) For the purpose of promot-ing the safety and efficiency of the payment and settlement system as a whole, the Bank of Korea may determine all the necessary matters concerning the payment and settlement systems that it operates. (2) Concerning the payment and settlement systems that are operated by institutions other than the Bank of Korea, the Bank of Korea may if necessary request such operating institutions or the supervisory body responsible to take measures for the improvement of the operating rules, or other matters. (3) For the purpose of the smooth operation of overall payment and settlement systems, the Bank of Korea may require institutions operating payment and settlement systems referred to in Paragraph 2, above, to provide materials related to payments and settlements. In such cases, the operating institutions shall comply. (4) The Bank of Korea may require participant institutions of paym