支付结算是社会经济活动中,货币给付及其资金清算的行为。支付结算既是货币信贷政策得以有效实施的重要组成部份,也是银行监测社会资金流向,督促社会成员之间履行支付契约的重要手段,支付风险大小与防范措施是否严密,直接影响着银行、企业的 Payment settlement is the act of money payment and liquidation of funds in social economic activities. Payment settlement is not only an important part of the effective implementation of monetary and credit policies, but also an important means for banks to monitor the flow of social capital and supervise the performance of payment contracts among members of society. The size of payment risks and the precautionary measures are closely related, which directly affect banks and enterprises.