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Payment, Clearing and Settlement Systems in the CPSS Countries ("The Red Book"), Volume 1

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Payment, Clearing and Settlement Systems in the CPSS Countries ( Committee on Payment and Settlement Systems Payment, clearing and settlement systems in the CPSS countries Volume 1 September 2011 Copies of publications are available from: Bank for International Settlements Communications CH-4002 Basel, Switzerland E-mail: [email protected] Fax: +41 61 280 9100 and +41 61 280 8100 This publication is available on the BIS website (www.bis.org). © Bank for International Settlements 2011. All rights reserved. Brief excerpts may be reproduced or translated provided the source is cited. ISBN 92-9131-877-9 (print) ISBN 92-9197-877-9 (online) Foreword The Committee on Payment and Settlement Systems (CPSS) publishes – under the aegis of the Bank for International Settlements (BIS) – reference works on the payment systems and other financial market infrastructures of various countries, widely known as Red Books. The Red Book for the CPSS countries was last published in April 2003. After the enlargement of the CPSS to 24 countries in 2009, this edition of the Red Book for the CPSS countries is in two volumes. This first volume comprises 10 CPSS countries: Australia, Brazil, Canada, India, Korea, Mexico, Russia, Singapore, Sweden and Switzerland. The second volume, which covers Belgium, China, France, Germany, Hong Kong SAR, Italy, Japan, the Netherlands, Saudi Arabia, South Africa, Turkey, the United Kingdom and the United States and also has chapters on the euro area and international payment arrangements, is planned to be published in 2012. Properly functioning financial market infrastructures enhance the stability of the financial sector, reduce transaction costs in the economy, promote the efficient use of financial resources, improve financial market liquidity and facilitate the conduct of monetary policy. I hope that this new edition of the CPSS Red Book will contribute to the general understanding and awareness of these issues by providing information on the arrangements in the CPSS countries. I would like to thank all those who contributed to the publication of this Red Book by writing their country texts. Thanks also to the BIS staff for making this volume ready for publication, and particularly to David Maurer, who coordinated the production and led the process of editing the country texts. William C Dudley Chairman Committee on Payment and Settlement Systems CPSS – Red Book – 2011 iii Central bank officials involved in the preparation of this volume of the Red Book Reserve Bank of Australia Robert Lightfoot Nick Roberts Central Bank of Brazil Luciano Andrade Frois Bank of Canada Paul Miller Reserve Bank of India Gynedi Srinivas Nilima Ramteke Bank of Korea Yongo Kwon Bank of Mexico David Margolín Ricardo Medina Luis Lima Francisco Solís Luis Manuel de los Santos Alejandro de los Santos Alberto Mendoza Central Bank of the Russian Federation Elena Pak Monetary Authority of Singapore Jeryl Poh Ronald Sin Sveriges Riksbank Kristian Tegbring Swiss National Bank David Maurer Robert Oleschak Bank for International Settlements David Maurer Can Bülent Okay CPSS – Red Book – 2011 v Contents Foreword.................................................................................................................................. iii Central bank officials involved in the preparation of this edition of the Red Book ....................v Payment, clearing and settlement systems in Australia....................................................................................................................................1 Brazil.......................................................................................................................................55 Canada .................................................................................................................................103 India......................................................................................................................................145 Korea ....................................................................................................................................205 Mexico ..................................................................................................................................245 Russia...................................................................................................................................281 Singapore .............................................................................................................................325 Sweden.................................................................................................................................357 Switzerland ...........................................................................................................................387 CPSS – Red Book – 2011 vii Payment, clearing and settlement systems in Australia CPSS – Red Book – 2011 1 Australia Contents List of abbreviations..................................................................................................................5 Introduction...............................................................................................................................7 1. Institutional aspects.........................................................................................................9 1.1 The general institutional framework .......................................................................9 1.1.1 Institutions.....................................................................................................9 1.1.2 Legislation...................................................................................................10 1.1.3 Other regulation ..........................................................................................10 1.2 The role of the central bank .................................................................................11 1.2.1 Payments system oversight........................................................................11 1.2.2 Securities clearing and settlement oversight ..............................................12 1.2.3 CLS Oversight Committee ..........................................................................13 1.2.4 Operational role ..........................................................................................13 1.3 The role of other private and public sector bodies ...............................................14 1.3.1 Australian Competition and Consumer Commission (ACCC).....................14 1.3.2 Australian Securities and Investments Commission (ASIC) .......................14 1.3.3 Australian Prudential Regulation Authority (APRA) ....................................14 1.3.4 Australian Transaction Reports and Analysis Centre (AUSTRAC).............15 1.3.5 Council of Financial Regulators ..................................................................15 1.3.6 Australian Payments Clearing Association (APCA) ....................................15 1.3.7 EFTPOS Payments Australia Limited (EPAL) ............................................16 1.3.8 Financial Ombudsman Service (FOS) ........................................................16 1.3.9 Financial Sector Advisory Council ..............................................................16 2. Payment media used by non-banks ..............................................................................16 2.1 Cash payments ....................................................................................................17 2.2 Non-cash payments .............................................................................................17 2.2.1 Cheques and other paper-based instruments.............................................17 2.2.2 Electronic credit transfers and direct debits................................................17 2.2.3 Payment cards............................................................................................18 2.2.4 ATMs...........................................................................................................20 2.2.5 Third-party bill payments.............................................................................20 2.3 Recent developments ..........................................................................................21 2.3.1 Payment patterns........................................................................................21 2.3.2 Payment products.......................................................................................22 2.3.3 E-money......................................................................................................23 CPSS – Red Book – 2011 3 Australia 3. Payment systems (funds transfer systems).................................................................. 23 3.1 General overview ................................................................................................ 23 3.2 Large-value payments systems........................................................................... 23 3.2.1 Reserve Bank Information and Transfer System (RITS)............................ 23 3.2.2 High Value Clearing System (HVCS)......................................................... 28 3.3 Retail payment systems ...................................................................................... 30 3.3.1 Card-based systems – proprietary ............................................................. 30 3.3.2 Card-based systems – scheme.................................................................. 34 3.3.3 Cheques....................................................................................................
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