目前,支付结算业务是我国商业银行业务量最大的一项中间业务。通过开展支付结算业务,商业银行成为社会的转帐结算和货币出纳中心,既能积聚闲散资金,扩大银行信贷资金的来源,又可以带来较为稳定的收益,而且在提高资金运转效率、调节货币流通、监督国民经济活动等方面都具有重大的社会意义。支付结算业务作为中间业务虽然不列入银行的资产负债表,不影响银行的资产负债总额,但其并非没有 At present, the payment and settlement business is one of the largest commercial banks in China. Through the payment and settlement business, commercial banks become the center of transfer and settlement of the society and the center of cash and cash, which can not only accumulate idle funds, expand the sources of bank credit funds, but also bring about more stable returns. In addition, it improves the efficiency of capital operation and the regulation of currency circulation , Supervise the national economic activities and other aspects of great social significance. Although the payment and settlement business is not included in the bank’s balance sheet as an intermediary business, it does not affect the bank’s total assets and liabilities, but it is not without it