The role of the Central Bank in the payment system of t

INTRODUCTION


In the context of the modernization of the banking sector, financial markets and the prospects for the formation of Russia´s international financial center, the development of modern information technologies kom¬munikatsionnyh, the emergence of new entrants and payment services organizations predostav¬lyayuschih services payment infrastructure, especially becomes important development of the national payment system which is impossible without a modern, integrated and balanced regulation of the Central Bank.

The current stage of development of the national payment system (NPS) and its components, baziruyusche¬gosya on the legal regulation of the system is characterized by the presence of the whole structure sformirovavshey¬sya main suppliers of payment services in the Russian market. Konstruktiv¬noe interaction established and regulated by the Bank of Russia to them subjects of the NPC, promotes transparency, meeting the demand for highly advanced payment instrumen¬ty, development of cashless environment.

Developing within global trends, applying for the establishment of modern financial products of scientific and technological achievements and advantages of cooperation of banking and non-banking institutions, payment service providers are increasingly adopting the practice vysokotehno¬logichnye payment services, thus expanding access to financial services, raspro¬straneniyu non-cash payment instruments, as well as increase the speed of payments klient¬skih.

In modern conditions of international payment systems and payment service providers are playing an increasingly important role, not only globally, but also on the domestic market of many countries. Openness and mutual penetration of elements of financial and payment infrastructure mezhdu¬narodnom level, besides the obvious advantages of cooperation in the field of technology and business protses¬sov, bring additional risks to the domestic market, which in nega¬tivnoe NPCs can have an impact on the stability of the Russian market of payment services.

Because of the presence of such risks on the Russian market under the NPC has taken steps to ensure control over the provision of services payment infrastructure operators of payment si¬stem located in the Russian jurisdiction (especially operators of payment systems with payment cards is¬polzovaniem) that improve the level of efficiency and the availability of these services and increase the share of non-cash payments.

At the legislative level, establish additional requirements for operators of payment si¬stem and attracted them to the operator services payment infrastructure. In particular, operators services payment infrastructure is prohibited to unilaterally suspend (prekra¬schat) providing services to the participants of payment systems, as well as include this kind of conditions pravi¬la payment systems.

Adoption of the Federal Law "On the national payment system" has become a landmark event in 2011 This federal law formed the legal basis, adequate present level of payment services and systems. Bank of Russia, along with the available functions on regulation of settlements, were additionally given powers of supervision and surveillance of the national payment system, as well as on the development of the national payment system.

B & B at h e n u r a l h and h n s x and on the ompany on the role of the Central Bank in the development of the payment system in the country devoted to a large and l h e s t o p y in b and l and u and d in g th y h n o l d and t h e r a t u r e, the mass media and Internet resources.

Regulatory base of the study were the Constitution of the Russian Federation, the Budget Code, the Civil Code, the concept of f