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href=\"#_ftn3\"><u><sup>[3]<\/sup><\/u><\/a>\u8fd9\u91cc\u7684\u8d27\u5e01\u5305\u62ec\u73b0\u91d1\u3001\u5546\u4e1a\u94f6\u884c\u8d27\u5e01\u3001\u4e2d\u592e\u94f6\u884c\u8d27\u5e01\u548c\u80a1\u7968\u3001\u503a\u6743\u7b49\u5f62\u5f0f\u6709\u4ef7\u8bc1\u5238\u3002\u76ee\u524d\u8f83\u4e3a\u5e38\u89c1\u7684\u662f\u73b0\u91d1\u652f\u4ed8\u548c\u4ee5\u5546\u4e1a\u94f6\u884c\u8d27\u5e01\u3001\u4e2d\u592e\u94f6\u884c\u8d27\u5e01\u8fdb\u884c\u7684\u975e\u73b0\u91d1\u652f\u4ed8\u3002<\/p>\n\n\n\n<p>\u7531\u94f6\u884c\u4e3b\u5bfc\u7684\u975e\u73b0\u91d1\u652f\u4ed8\uff0c\u7531\u4e8e\u5728\u5b89\u5168\u6027\u548c\u4fbf\u6377\u6027\u4e0a\u7684\u4f18\u52bf\uff0c\u662f\u76ee\u524d\u5546\u4e1a\u6d3b\u52a8\u4e2d\u4e3b\u8981\u7684\u652f\u4ed8\u5f62\u5f0f\u3002\u975e\u73b0\u91d1\u652f\u4ed8\u7684\u6d41\u7a0b\u4e00\u822c\u5305\u62ec\u4e09\u4e2a\u90e8\u5206\u2014\u2014\u4ea4\u6613\u3001\u6e05\u7b97\u548c\u7ed3\u7b97\u3002\u4ea4\u6613\uff0c\u5373\u4ea4\u6613\u53cc\u65b9\u503a\u6743\u503a\u52a1\u5173\u7cfb\u5f62\u6210\u3001\u786e\u8ba4\u5e76\u5411\u94f6\u884c\u53d1\u9001\u652f\u4ed8\u6307\u4ee4\u7684\u73af\u8282\u3002\u6e05\u7b97\uff0c\u5373\u94f6\u884c\u6536\u5230\u652f\u4ed8\u6307\u4ee4\u540e\uff0c\u6e05\u67e5\u4ea4\u6613\u53cc\u65b9\u503a\u6743\u503a\u52a1\u5e76\u8ba1\u7b97\u6570\u989d\u7684\u8fc7\u7a0b\u3002\u7ed3\u7b97\uff0c\u5373\u94f6\u884c\u6700\u7ec8\u589e\u51cf\u4ea4\u6613\u53cc\u65b9\u8d26\u6237\u6570\u989d\u7684\u6d3b\u52a8\u3002<\/p>\n\n\n\n<p>\u975e\u73b0\u91d1\u652f\u4ed8\u90fd\u662f\u501f\u52a9\u652f\u4ed8\u7cfb\u7edf\u800c\u5b9e\u73b0\u7684\u3002\u56fd\u9645\u6e05\u7b97\u94f6\u884c\uff08Bank for International Settlements\uff09\u5c06\u652f\u4ed8\u7cfb\u7edf\u5b9a\u4e49\u4e3a\u201c\u4fdd\u969c\u8d27\u5e01\u6d41\u901a\u7684\u4e00\u7cfb\u5217\u5de5\u5177\u3001\u94f6\u884c\u4e1a\u52a1\u8fc7\u7a0b\u4ee5\u53ca\u94f6\u884c\u95f4\u8d44\u91d1\u8f6c\u8d26\u7cfb\u7edf\u201d\u3002\u672c\u6587\u4e3b\u8981\u8ba8\u8bba\u94f6\u884c\u95f4\u7684\u8d44\u91d1\u8f6c\u8d26\u7cfb\u7edf\u3002\u94f6\u884c\u95f4\u7684\u652f\u4ed8\u7cfb\u7edf\u4e3b\u8981\u5206\u4e3a\u5ef6\u8fdf\u51c0\u989d\u7ed3\u7b97\u7cfb\u7edf\uff08DNS\uff09\u548c\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\uff08RTGS\uff09\u3002<\/p>\n\n\n\n<p>1\u3001\u5ef6\u8fdf\u51c0\u989d\u7ed3\u7b97\u7cfb\u7edf<\/p>\n\n\n\n<p>\u5ef6\u8fdf\u51c0\u989d\u7ed3\u7b97\u7cfb\u7edf\uff0c\u6536\u5230\u652f\u4ed8\u6307\u4ee4\u540e\uff0c\u5e76\u4e0d\u662f\u5b9e\u65f6\u8fdb\u884c\u8f67\u5dee\uff0c\u800c\u662f\u5c06\u5176\u7d2f\u79ef\u5230\u4e00\u5b9a\u65f6\u95f4\u540e\u518d\u8fdb\u884c\u53cc\u8fb9\u6216\u591a\u8fb9\u8f67\u5dee\uff0c\u94f6\u884c\u4ec5\u9700\u7ed3\u7b97\u5468\u671f\u6027\u8f67\u5dee\u540e\u7684\u51c0\u989d\u5373\u53ef\u3002\u8fd9\u79cd\u652f\u4ed8\u7cfb\u7edf\u5bf9\u53c2\u4e0e\u94f6\u884c\u7684\u6d41\u52a8\u6027\u8981\u6c42\u8f83\u4f4e\uff0c\u56e0\u4e3a\u8f67\u5dee\u540e\u7684\u51c0\u989d\u4e0d\u4f1a\u5927\u4e8e\u94f6\u884c\u53d1\u8d77\u7684\u6240\u6709\u652f\u4ed8\u7684\u603b\u989d\u3002\u4f46\u662f\u8fd9\u79cd\u7ed3\u7b97\u7cfb\u7edf\u7684\u7ed3\u7b97\u6548\u7387\u8f83\u4f4e\uff0c\u56e0\u4e3a\u8f67\u5dee\u662f\u6309\u4e00\u5b9a\u5468\u671f\u8fdb\u884c\u7684\uff0c\u5904\u4e8e\u4e24\u4e2a\u5468\u671f\u95f4\u7684\u652f\u4ed8\u6307\u4ee4\u7b49\u5f85\u7684\u65f6\u95f4\u8f83\u957f\u3002<\/p>\n\n\n\n<p>2\u3001\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf<\/p>\n\n\n\n<p>\u5b9e\u65bd\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\uff0c\u6536\u5230\u652f\u4ed8\u6307\u4ee4\u540e\uff0c\u53ea\u8981\u53d1\u8d77\u884c\u7684\u8d26\u6237\u4f59\u989d\u9ad8\u4e8e\u652f\u4ed8\u6570\u989d\uff0c\u53d1\u8d77\u884c\u548c\u6536\u6b3e\u884c\u95f4\u5c31\u5b9e\u65f6\u7ed3\u7b97\uff0c\u53d8\u66f4\u5404\u81ea\u7684\u8d26\u6237\u4f59\u989d\u3002\u5426\u5219\uff0c\u652f\u4ed8\u6307\u4ee4\u5c06\u5904\u4e8e\u7b49\u5f85\u72b6\u6001\u3002\u7b49\u5230\u53d1\u8d77\u884c\u8d26\u6237\u4f59\u989d\u6ee1\u8db3\u8981\u6c42\u65f6\uff0c\u652f\u4ed8\u6307\u4ee4\u518d\u5b9e\u65f6\u5904\u7406\u3002\u8fd9\u79cd\u652f\u4ed8\u7cfb\u7edf\u7684\u652f\u4ed8\u6548\u7387\u6781\u9ad8\uff0c\u56e0\u4e3a\u7ed3\u7b97\u662f\u5b9e\u65f6\u8fdb\u884c\u7684\u3002\u4f46\u662f\u5b83\u5bf9\u4e8e\u94f6\u884c\u7684\u6d41\u52a8\u6027\u8981\u6c42\u8f83\u9ad8\uff0c\u56e0\u4e3a\u94f6\u884c\u8981\u968f\u65f6\u4fdd\u6301\u8db3\u4ee5\u5e94\u4ed8\u4e00\u6bb5\u65f6\u95f4\u5185\u6240\u6709\u652f\u4ed8\u7684\u8d44\u91d1\u3002\u5426\u5219\uff0c\u652f\u4ed8\u6307\u4ee4\u5c06\u5ef6\u8fdf\uff0c\u652f\u4ed8\u6548\u7387\u5927\u6253\u6298\u6263\u3002<\/p>\n\n\n\n<p>\u9274\u4e8e\u4e0a\u8ff0\u4e24\u79cd\u652f\u4ed8\u7cfb\u7edf\u90fd\u6709\u7740\u5404\u81ea\u9c9c\u660e\u7684\u4f18\u7f3a\u70b9\uff0c\u8fd1\u5e74\u6765\u7efc\u5408\u4e24\u8005\u4f18\u70b9\u7684\u6df7\u5408\u652f\u4ed8\u7cfb\u7edf\u84ec\u52c3\u53d1\u5c55\u3002\u4e00\u822c\u800c\u8a00\uff0c\u6df7\u5408\u652f\u4ed8\u7cfb\u7edf\u662f\u5728\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u7684\u57fa\u7840\u4e0a\uff0c\u5f15\u5165\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\uff0c\u514b\u670d\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u5bf9\u6d41\u52a8\u6027\u8981\u6c42\u9ad8\u7684\u7f3a\u70b9\u800c\u53d1\u5c55\u51fa\u6765\u7684\u3002<a name=\"_ftnref4\"><\/a><a href=\"#_ftn4\"><u><sup>[4]<\/sup><\/u><\/a><\/p>\n\n\n\n<p><strong>&nbsp;<\/strong><strong>\uff08\u4e8c\uff09\u652f\u4ed8\u7cfb\u7edf\u98ce\u9669\u4e0e\u9632\u8303<\/strong><\/p>\n\n\n\n<p>\u652f\u4ed8\u5728\u4ea4\u6613\u3001\u6e05\u7b97\u548c\u7ed3\u7b97\u8fc7\u7a0b\u4e2d\uff0c\u9762\u5bf9\u7684\u4e3b\u8981\u98ce\u9669\u662f\u652f\u4ed8\u65e0\u6cd5\u88ab\u7ed3\u7b97\u3002\u9020\u6210\u652f\u4ed8\u65e0\u6cd5\u7ed3\u7b97\u7684\u539f\u56e0\u53ef\u80fd\u6765\u6e90\u4e8e\u652f\u4ed8\u53c2\u4e0e\u8005\u3001\u652f\u4ed8\u7cfb\u7edf\u8fd0\u8425\u8005\u3001\u652f\u4ed8\u7cfb\u7edf\u672c\u8eab\u4ee5\u53ca\u652f\u4ed8\u7cfb\u7edf\u4e4b\u5916\u7684\u4e0d\u53ef\u6297\u529b\u3002\u4e00\u822c\u53ef\u4ee5\u5c06\u652f\u4ed8\u7cfb\u7edf\u98ce\u9669\uff0c\u5206\u4e3a\u4fe1\u7528\u98ce\u9669\u3001\u6d41\u52a8\u6027\u98ce\u9669\u3001\u64cd\u4f5c\u98ce\u9669\u3001\u4e1a\u52a1\u98ce\u9669\u3002\u4fe1\u7528\u98ce\u9669\u662f\u5404\u652f\u4ed8\u7cfb\u7edf\u9762\u4e34\u7684\u4e3b\u8981\u98ce\u9669\u3002\u7279\u522b\u662f\u5728\u8de8\u5883\u652f\u4ed8\u65f6\u7531\u4e8e\u4ed8\u6b3e\u884c\u548c\u6536\u6b3e\u884c\u5730\u7406\u8ddd\u79bb\u8f83\u8fdc\uff0c\u52a0\u4e4b\u65f6\u533a\u3001\u4ea4\u6613\u4e60\u60ef\u7b49\u539f\u56e0\uff0c\u4fe1\u7528\u98ce\u9669\u53d1\u751f\u7684\u53ef\u80fd\u6027\u66f4\u5927\u3002\u56e0\u6b64\u4fe1\u7528\u98ce\u9669\u6210\u4e3a\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u9700\u8981\u89e3\u51b3\u7684\u4e3b\u8981\u95ee\u9898\u3002<\/p>\n\n\n\n<p>1\u3001\u4fe1\u7528\u98ce\u9669\u4e0e\u9632\u8303<\/p>\n\n\n\n<p>\u4fe1\u7528\u98ce\u9669\uff0c\u5373\u652f\u4ed8\u7cfb\u7edf\u7684\u67d0\u4e00\u53c2\u4e0e\u8005\u65e0\u6cd5\u5c65\u884c\u7531\u7ed3\u7b97\u800c\u4ea7\u751f\u7684\u5bf9\u5176\u4ed6\u53c2\u4e0e\u8005\u7684\u503a\u52a1\uff0c\u800c\u4f7f\u5176\u4ed6\u53c2\u4e0e\u8005\u906d\u53d7\u635f\u5931\u7684\u98ce\u9669\u3002\u4fe1\u7528\u98ce\u9669\u5728\u5ef6\u8fdf\u51c0\u989d\u7ed3\u7b97\u7cfb\u7edf\u4e2d\u53d1\u751f\u7684\u6982\u7387\u8f83\u5927\u3002\u56e0\u4e3a\u7ed3\u7b97\u662f\u5468\u671f\u6027\u8fdb\u884c\u7684\uff0c\u5728\u51c0\u989d\u7ed3\u7b97\u524d\uff0c\u53c2\u4e0e\u8005\u53ef\u80fd\u5df2\u7ecf\u5931\u53bb\u5c65\u884c\u503a\u52a1\u7684\u80fd\u529b\u3002\u800c\u7531\u4e8e\u53cc\u65b9\u548c\u591a\u65b9\u8f67\u5dee\u5df2\u7ecf\u8fdb\u884c\uff0c\u4fe1\u7528\u5371\u673a\u4e0d\u4ec5\u4f1a\u5728\u4e27\u5931\u503a\u52a1\u5c65\u884c\u80fd\u529b\u7684\u53c2\u4e0e\u8005\u7684\u5bf9\u624b\u65b9\u51fa\u73b0\uff0c\u800c\u4e14\u4f1a\u5728\u6574\u4e2a\u7cfb\u7edf\u4e2d\u6240\u6709\u53c2\u4e0e\u8005\u4e2d\u8513\u5ef6\uff0c\u5f15\u53d1\u591a\u7c73\u8bfa\u9aa8\u724c\u6548\u5e94\uff0c\u9020\u6210\u66f4\u591a\u7684\u53c2\u4e0e\u8005\u5931\u53bb\u507f\u503a\u80fd\u529b\u3002\u968f\u7740\u6280\u672f\u7684\u8fdb\u6b65\uff0c\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u7684\u51fa\u73b0\u6781\u5927\u5730\u7f13\u89e3\u4e86\u652f\u4ed8\u7cfb\u7edf\u53c2\u4e0e\u8005\u95f4\u7684\u4fe1\u7528\u5371\u673a\u3002\u4f46\u662f\uff0c\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u5bf9\u6d41\u52a8\u6027\u8981\u6c42\u8f83\u9ad8\uff0c\u4e3a\u4e86\u63d0\u9ad8\u652f\u4ed8\u6548\u7387\uff0c\u62c6\u501f\u3001\u4fe1\u7528\u989d\u5ea6\u7b49\u878d\u8d44\u624b\u6bb5\u7684\u5f15\u5165\uff0c\u4f7f\u4fe1\u7528\u98ce\u9669\u5728\u652f\u4ed8\u7cfb\u7edf\u4e2d\u53d1\u751f\u7684\u53ef\u80fd\u6027\u4ecd\u7136\u5b58\u5728\u3002<\/p>\n\n\n\n<p>\u5728\u8de8\u5883\u652f\u4ed8\u65f6\uff0c\u7531\u4e8e\u5730\u7406\u539f\u56e0\u3001\u4fe1\u606f\u4e0d\u7545\u548c\u4ea4\u6613\u4e60\u60ef\u7b49\u539f\u56e0\uff0c\u4fe1\u7528\u98ce\u9669\u4f1a\u6210\u500d\u653e\u5927\u3002\u5982\u82e5\u652f\u4ed8\u7cfb\u7edf\u4e0d\u4f5c\u51fa\u7279\u522b\u5b89\u6392\uff0c\u5219\u8fd9\u79cd\u98ce\u9669\u53ea\u80fd\u7531\u4ea4\u6613\u53c2\u4e0e\u8005\u81ea\u884c\u627f\u62c5\u3002\u8457\u540d\u7684\u8d6b\u65af\u5854\u7279\u94f6\u884c\u7834\u4ea7\u4e8b\u4ef6\u5c31\u5145\u5206\u63ed\u793a\u4e86\u8de8\u5883\u652f\u4ed8\u4fe1\u7528\u98ce\u9669\u53ca\u5176\u5f3a\u5927\u7684\u7834\u574f\u6027\u30021974\u5e746\u670828\u65e5\uff0c\u6570\u5bb6\u5fb7\u56fd\u94f6\u884c\u4e3a\u5411\u7ebd\u7ea6\u6c47\u51fa\u7f8e\u5143\uff0c\u5411\u5bf9\u624b\u65b9\u8d6b\u65af\u5854\u7279\u94f6\u884c\u8fdb\u884c\u4e86\u5fb7\u56fd\u9a6c\u514b\u2014\u2014\u7f8e\u5143\u7684\u6362\u6c47\u4ea4\u6613\u3002\u7531\u4e8e\u5fb7\u56fd\u548c\u7f8e\u56fd\u6240\u5904\u4e0d\u540c\u65f6\u533a\uff0c\u8fd9\u4e9b\u4ea4\u6613\u7684\u6e05\u7b97\u53d1\u751f\u4e86\u65f6\u95f4\u4e0a\u7684\u8fdf\u6ede\uff0c\u4f7f\u5f97\u7f8e\u5143\u5e76\u6ca1\u6709\u7acb\u5373\u9001\u5f80\u5bf9\u624b\u65b9\u7684\u94f6\u884c\u800c\u662f\u5728\u8d6b\u65af\u5854\u7279\u94f6\u884c\u6302\u8d77\u3002\u5c31\u5728\u8fd9\u6570\u5c0f\u65f6\u5185\uff0c\u8d6b\u65af\u5854\u7279\u94f6\u884c\u63a5\u5230\u5fb7\u56fd\u5f53\u5c40\u8981\u6c42\u6e05\u7b97\u7684\u547d\u4ee4\uff0c\u8be5\u94f6\u884c\u4e27\u5931\u652f\u4ed8\u80fd\u529b\uff0c\u5e94\u652f\u4ed8\u7684\u7f8e\u5143\u5e76\u6ca1\u6709\u88ab\u6c47\u5f80\u7ebd\u7ea6\u3002\u4ece\u4e8b\u5916\u6c47\u4ea4\u6613\u7684\u591a\u5bb6\u5fb7\u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name=\"_ftnref5\"><\/a><a href=\"#_ftn5\"><u><sup>[5]<\/sup><\/u><\/a><\/p>\n\n\n\n<p>2\u3001\u5176\u4ed6\u98ce\u9669\u4e0e\u9632\u8303<\/p>\n\n\n\n<p>\u6d41\u52a8\u6027\u98ce\u9669\uff0c\u662f\u6307\u4e00\u4e2a\u6216\u591a\u4e2a\u53c2\u4e0e\u8005\u6301\u6709\u7684\u7ed3\u7b97\u8d44\u4ea7\u6d41\u52a8\u6027\u4e0d\u8db3\uff0c\u4ece\u800c\u6270\u52a8\u7cfb\u7edf\u4e2d\u6d41\u52a8\u6027\u7684\u6d41\u52a8\uff0c\u5bfc\u81f4\u652f\u4ed8\u5ef6\u8fdf\u6216\u652f\u4ed8\u5931\u8d25\u7684\u98ce\u9669\u3002<a name=\"_ftnref6\"><\/a><a href=\"#_ftn6\"><u><sup>[6]<\/sup><\/u><\/a>\u6d41\u52a8\u6027\u98ce\u9669\u591a\u51fa\u73b0\u5728\u5b9e\u65f6\u5168\u989d\u652f\u4ed8\u7cfb\u7edf\u4e2d\uff0c\u5b83\u4f1a\u6781\u5927\u5730\u5f71\u54cd\u7ed3\u7b97\u7684\u6548\u7387\u3002\u8be5\u98ce\u9669\u4e00\u822c\u901a\u8fc7\u5f15\u5165\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\u7b49\u6280\u672f\u624b\u6bb5\u89e3\u51b3\u3002<\/p>\n\n\n\n<p>\u64cd\u4f5c\u98ce\u9669\uff0c\u662f\u7531\u7cfb\u7edf\u53c2\u4e0e\u8005\u5458\u5de5\u7684\u64cd\u4f5c\u5931\u8bef\u6216\u8005\u652f\u4ed8\u7cfb\u7edf\u5916\u7684\u4e0d\u53ef\u6297\u529b\u7b49\u56e0\u7d20\u9020\u6210\u7684\u652f\u4ed8\u7cfb\u7edf\u8fd0\u884c\u4e2d\u65ad\uff0c\u6240\u5f15\u53d1\u652f\u4ed8\u5931\u8d25\u7684\u98ce\u9669\u3002\u4e00\u822c\u652f\u4ed8\u7cfb\u7edf\u90fd\u4f1a\u91c7\u53d6\u5236\u5b9a\u76f8\u5e94\u7684\u5e94\u6025\u9884\u6848\uff0c\u8fdb\u884c\u6570\u636e\u5907\u4efd\u3001\u8bbe\u7f6e\u591a\u4e2d\u5fc3\u7684\u65b9\u5f0f\u5e94\u5bf9\u5916\u754c\u56e0\u7d20\u4ea7\u751f\u7684\u98ce\u9669\u3002<\/p>\n\n\n\n<p>\u4e1a\u52a1\u98ce\u9669\uff0c\u6307\u8fd0\u8425\u652f\u4ed8\u7cfb\u7edf\u7684\u516c\u53f8\u53d1\u751f\u7ecf\u8425\u56f0\u96be\u7684\u60c5\u51b5\uff0c\u5f15\u53d1\u652f\u4ed8\u7cfb\u7edf\u65e0\u6cd5\u6b63\u5e38\u8fd0\u884c\u7684\u98ce\u9669\u3002\u90e8\u5206\u652f\u4ed8\u7cfb\u7edf\u7531\u79c1\u8425\u516c\u53f8\u8d1f\u8d23\u8fd0\u8425\uff0c\u5b83\u81ea\u8eab\u906d\u53d7\u4e1a\u52a1\u98ce\u9669\u65f6\uff0c\u652f\u4ed8\u7cfb\u7edf\u4e5f\u4f1a\u53d7\u5230\u5f71\u54cd\u3002\u5404\u56fd\u592e\u884c\u4e00\u822c\u4f1a\u5bf9\u8fd0\u8425\u652f\u4ed8\u7cfb\u7edf\u7684\u79c1\u8425\u516c\u53f8\u8bbe\u7f6e\u8f83\u4e3a\u4e25\u683c\u7684\u76d1\u7ba1\u63aa\u65bd\uff0c\u9632\u6b62\u5176\u53d1\u751f\u4e1a\u52a1\u98ce\u9669\u3002<\/p>\n\n\n\n<p><strong>&nbsp;<\/strong><strong>\u4e09\u3001\u4f20\u7edf\u4eba\u6c11\u5e01\u8de8\u5883\u7ed3\u7b97\u6a21\u5f0f\u8fd0\u4f5c\u673a\u5236\u4e0e\u7f3a\u9677<\/strong><\/p>\n\n\n\n<p>\u957f\u671f\u4ee5\u6765\uff0c\u7531\u4e8e\u589e\u52a0\u5916\u6c47\u50a8\u5907\u3001\u56fd\u9645\u8d38\u6613\u4e60\u60ef\u7b49\u539f\u56e0\uff0c\u4e2d\u56fd\u5bf9\u5916\u8d38\u6613\u7ed3\u7b97\u8981\u6c42\u51fa\u53e3\u6536\u6c47\uff0c\u8fdb\u53e3\u4ed8\u6c47\uff0c\u6216\u8005\u8bf4\u662f\u8fdb\u51fa\u53e3\u8ba1\u4ef7\u548c\u7ed3\u7b97\u8d27\u5e01\u5fc5\u987b\u90fd\u662f\u53ef\u5151\u6362\u8d27\u5e01\uff08\u4e3b\u8981\u662f\u7f8e\u5143\uff09\u3002\u5883\u5185\u4f01\u4e1a\u4ece\u4e8b\u8fdb\u51fa\u53e3\u8d38\u6613\u65f6\uff0c\u9700\u8981\u5728\u5883\u5185\u94f6\u884c\u5f00\u8bbe\u4e13\u95e8\u8d26\u6237\uff0c\u8fdb\u53e3\u65f6\u7528\u4eba\u6c11\u5e01\u5151\u6362\u5916\u6c47\u652f\u4ed8\u8d27\u6b3e\u3002\u51fa\u53e3\u65f6\uff0c\u7528\u6536\u5230\u7684\u5916\u6c47\u5151\u6362\u4eba\u6c11\u5e01\u3002\u5916\u6c47\u6c47\u7387\u7684\u6ce2\u52a8\u4f1a\u5f71\u54cd\u4f01\u4e1a\u7684\u5229\u6da6\uff0c\u589e\u52a0\u8d38\u6613\u98ce\u9669\u3002\u53ea\u6709\u5728\u8d38\u6613\u91cf\u8f83\u5c11\u7684\u8fb9\u5883\u8d38\u6613\u4ee5\u53ca\u4e0e\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u7b7e\u8ba2\u4e86\u672c\u5e01\u652f\u4ed8\u534f\u8bae\u7684\u56fd\u5bb6\u4e4b\u95f4\u81ea\u613f\u91c7\u53d6\u53cc\u65b9\u672c\u5e01\u7ed3\u7b97\u3002<a name=\"_ftnref7\"><\/a><a href=\"#_ftn7\"><u><sup>[7]<\/sup><\/u><\/a>2008\u5e74\u91d1\u878d\u5371\u673a\u53d1\u751f\u540e\uff0c\u7f8e\u5143\u3001\u6b27\u5143\u7b49\u4e3b\u8981\u8d38\u6613\u7ed3\u7b97\u8d27\u5e01\u6c47\u7387\u7684\u5927\u5e45\u6ce2\u52a8\uff0c\u5bf9\u4e2d\u56fd\u4e0e\u7b2c\u4e09\u56fd\u95f4\u7684\u8de8\u5883\u8d38\u6613\u9020\u6210\u4e86\u8f83\u5927\u5f71\u54cd\u3002\u56e0\u6b64\uff0c\u4e2d\u56fd\u653f\u5e9c\u63d0\u51fa\u5f00\u5c55\u56fd\u5185\u7279\u5b9a\u5730\u533a\u4e0e\u5468\u8fb9\u7279\u5b9a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u8de8\u5883\u8d38\u6613\u7ed3\u7b97\u8bd5\u70b9\u3002<\/p>\n\n\n\n<p>2009\u5e744\u67088\u65e5\uff0c\u56fd\u52a1\u9662\u51b3\u5b9a\u5728\u4e0a\u6d77\u5e02\u548c\u5e7f\u4e1c\u7701\u5e7f\u5dde\u3001\u6df1\u5733\u3001\u73e0\u6d77\u3001\u4e1c\u839e\u5f00\u5c55\u8de8\u5883\u8d38\u6613\u4eba\u6c11\u5e01\u7ed3\u7b97\u8bd5\u70b9\uff0c\u6b63\u5f0f\u62c9\u5f00\u4eba\u6c11\u5e01\u8de8\u5883\u7ed3\u7b97\u6539\u9769\u7684\u5927\u5e55\u30022010\u5e746\u6708\uff0c\u8bd5\u70b9\u8303\u56f4\u6269\u5927\u5230\u5317\u4eac\u3001\u5929\u6d25\u7b4920\u4e2a\u7701\uff08\u81ea\u6cbb\u533a\u3001\u76f4\u8f96\u5e02\uff09\uff0c\u5883\u5916\u8bd5\u70b9\u8303\u56f4\u62d3\u5c55\u81f3\u6240\u6709\u56fd\u5bb6\uff0c\u8bd5\u70b9\u4e1a\u52a1\u8303\u56f4\u62d3\u5c55\u81f3\u8d27\u7269\u8d38\u6613\u4ee5\u5916\u7684\u5176\u4ed6\u7ecf\u5e38\u9879\u76ee\u30022011\u5e748\u6708\uff0c\u8bd5\u70b9\u8303\u56f4\u6269\u5927\u5230\u5168\u56fd\uff0c\u4f46\u51fa\u53e3\u4ecd\u9650\u4e8e\u8bd5\u70b9\u4f01\u4e1a<a name=\"_ftnref8\"><\/a><a href=\"#_ftn8\"><u><sup>[8]<\/sup><\/u><\/a>\u30022012\u5e743\u6708\uff0c\u53d6\u6d88\u8d27\u7269\u8d38\u6613\u8fdb\u51fa\u53e3\u8bd5\u70b9\u4f01\u4e1a\u9650\u5236\u3002\u901a\u8fc7\u4e0a\u8ff0\u8bd5\u70b9\uff0c\u4eba\u6c11\u94f6\u884c\u4f9d\u6258\u5404\u5546\u4e1a\u94f6\u884c\u521d\u6b65\u5efa\u7acb\u8d77\u201c\u4ee3\u7406\u884c\u6a21\u5f0f\u201d\u3001\u201c\u6e05\u7b97\u884c\u6a21\u5f0f\u201d\u548c\u201c\u4eba\u6c11\u5e01NRA\u8d26\u6237\u6a21\u5f0f\u201d\u4e09\u79cd\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p><strong>\uff08\u4e00\uff09\u4ee3\u7406\u884c\u6a21\u5f0f<\/strong><\/p>\n\n\n\n<p>\u4ee3\u7406\u884c\u6a21\u5f0f\u662f\u76ee\u524d\u6700\u4e3a\u666e\u904d\u7684\u4eba\u6c11\u5e01\u8de8\u5883\u7ed3\u7b97\u6a21\u5f0f\u3002\u4e00\u822c\u7531\u5177\u5907\u56fd\u9645\u7ed3\u7b97\u4e1a\u52a1\u80fd\u529b\u7684\u5883\u5185\u5546\u4e1a\u94f6\u884c\u4e0e\u5883\u5916\u94f6\u884c\u7b7e\u7f72\u4eba\u6c11\u5e01\u4ee3\u7406\u7ed3\u7b97\u534f\u8bae\uff0c\u7531\u5176\u4ee3\u7406\u5883\u5916\u94f6\u884c\u4e0e\u5883\u5185\u94f6\u884c\u3001\u4f01\u4e1a\u8fdb\u884c\u4eba\u6c11\u5e01\u6e05\u7b97\u548c\u7ed3\u7b97\u3002\u5883\u5916\u94f6\u884c\u9700\u8981\u5728\u5883\u5185\u4ee3\u7406\u884c\u5f00\u8bbe\u4eba\u6c11\u5e01\u540c\u4e1a\u5f80\u6765\u8d26\u6237\uff0c\u5e76\u51c6\u5907\u8d44\u91d1\u3002\u9700\u8981\u7ed3\u7b97\u65f6\uff0c\u9996\u5148\u7531\u5883\u5916\u94f6\u884c\u901a\u8fc7\u73af\u7403\u94f6\u884c\u91d1\u878d\u901a\u8baf\u7cfb\u7edf\uff08Society for Worldwide Interbank Financial Telecommunication\uff0c\u7b80\u79f0\u201cSWIFT\u201d\uff09\u5411\u5883\u5185\u4ee3\u7406\u884c\u53d1\u51fa\u652f\u4ed8\u6307\u4ee4\u3002\u5883\u5185\u4ee3\u7406\u884c\u6536\u5230\u6307\u4ee4\u5e76\u6838\u67e5\u540e\uff0c\u518d\u901a\u8fc7\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf\uff08China National Automatic Payment System\uff0c\u4ee5\u4e0b\u7b80\u79f0\u201cCNAPS\u201d\uff09<a name=\"_ftnref9\"><\/a><a href=\"#_ftn9\"><u><sup>[9]<\/sup><\/u><\/a>\u6216\u4ee3\u7406\u884c\u884c\u5185\u6e05\u7b97\u7cfb\u7edf\u4e0e\u5883\u5185\u7ed3\u7b97\u94f6\u884c\u8fdb\u884c\u8d44\u91d1\u5212\u62e8\u3002<\/p>\n\n\n\n<p>\u4f8b\uff1a<\/p>\n\n\n\n<p>\u5883\u5916\u4f01\u4e1a\u897f\u73ed\u7259\u82b1\u65d7\u516c\u53f8\u4e0e\u5883\u5185\u4f01\u4e1a\u5b89\u90a6\u516c\u53f8\u95f4\u9700\u8981\u7528\u4eba\u6c11\u5e01\u7ed3\u7b97\u8d27\u6b3e\u3002\u82b1\u65d7\u516c\u53f8\u5728\u5883\u5916\u94f6\u884c\u897f\u73ed\u7259\u6851\u5766\u5fb7\u94f6\u884c\u5f00\u8bbe\u7ed3\u7b97\u8d26\u6237\uff0c\u5b89\u90a6\u516c\u53f8\u5728\u5883\u5185\u94f6\u884c\u4e2d\u56fd\u5efa\u8bbe\u94f6\u884c\u5317\u4eac\u5206\u884c\uff08\u4ee5\u4e0b\u7b80\u79f0\u201c\u5efa\u884c\u5317\u4eac\u201d\uff09\u5f00\u8bbe\u7ed3\u7b97\u8d26\u6237\u3002\u6851\u5766\u5fb7\u94f6\u884c\u4e0e\u4e2d\u56fd\u5de5\u5546\u94f6\u884c\u4e4b\u95f4\u7b7e\u7f72\u4e86\u4eba\u6c11\u5e01\u4ee3\u7406\u7ed3\u7b97\u534f\u8bae\uff0c\u4e2d\u56fd\u5de5\u5546\u94f6\u884c\u4e3a\u6851\u5766\u5fb7\u94f6\u884c\u5f00\u8bbe\u4e86\u4eba\u6c11\u5e01\u540c\u4e1a\u5f80\u6765\u8d26\u6237\u3002<\/p>\n\n\n\n<p>\u7ed3\u7b97\u6d41\u7a0b\uff1a\u51fa\u53e3\u65f6\uff0c\u82b1\u65d7\u516c\u53f8\u5411\u5b89\u90a6\u516c\u53f8\u4ed8\u6b3e\u3002\u5219\u82b1\u65d7\u516c\u53f8\u5411\u6851\u5766\u5fb7\u94f6\u884c\u53d1\u51fa\u652f\u4ed8\u6307\u4ee4\uff0c\u6851\u5766\u5fb7\u94f6\u884c\u6536\u5230\u6307\u4ee4\u6838\u9a8c\u65e0\u8bef\u540e\uff0c\u53d8\u66f4\u82b1\u65d7\u516c\u53f8\u7684\u8d26\u6237\u4f59\u989d\uff0c\u5e76\u901a\u8fc7SWFIT\u5411\u5883\u5185\u4ee3\u7406\u884c\u4e2d\u56fd\u5de5\u5546\u94f6\u884c\u53d1\u51fa\u652f\u4ed8\u6307\u4ee4\u3002\u4e2d\u56fd\u5de5\u5546\u94f6\u884c\u6536\u5230\u6307\u4ee4\u6838\u9a8c\u65e0\u8bef\u540e\uff0c\u53d8\u66f4\u5883\u5916\u884c\u6851\u5766\u5fb7\u94f6\u884c\u7684\u4eba\u6c11\u5e01\u540c\u4e1a\u5f80\u6765\u8d26\u6237\u4f59\u989d\uff0c\u5e76\u901a\u8fc7CNAPS\u5411\u5883\u5185\u6536\u6b3e\u884c\u201c\u5efa\u884c\u5317\u4eac\u201d\u652f\u4ed8\u3002\u201c\u5efa\u884c\u5317\u4eac\u201d\u6536\u5230\u4ed8\u6b3e\u540e\uff0c\u53d8\u66f4\u5b89\u90a6\u516c\u53f8\u7684\u7ed3\u7b97\u8d26\u6237\u4f59\u989d\u3002\u8fdb\u53e3\u65f6\uff0c\u53cd\u5411\u64cd\u4f5c\u5373\u53ef\u3002<\/p>\n\n\n\n<figure 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name=\"_ftnref12\"><\/a><a href=\"#_ftn12\"><u><sup>[12]<\/sup><\/u><\/a><\/p>\n\n\n\n<p>HVPS\u4e0d\u5177\u5907\u62b5\u5fa1\u8de8\u5883\u652f\u4ed8\u98ce\u9669\u7684\u80fd\u529b\u3002HVPS\u5728\u8bbe\u8ba1\u65f6\u5e76\u672a\u8003\u8651\u8de8\u5883\u652f\u4ed8\u7684\u9700\u6c42\u3002HVPS\u7684\u8fd0\u884c\u65f6\u95f4\uff08\u5317\u4eac\u65f6\u95f48\u65f6\u81f317\u65f6\uff09\u4e0e\u5883\u5916\u652f\u4ed8\u7cfb\u7edf\u7684\u8fd0\u884c\u65f6\u95f4\u548c\u5883\u5916\u91d1\u878d\u673a\u6784\u8fdb\u884c\u652f\u4ed8\u7684\u4e1a\u52a1\u65f6\u95f4\u4e0d\u540c\uff0c\u8de8\u5883\u652f\u4ed8\u65f6\u5bb9\u6613\u5f15\u53d1\u8d6b\u65af\u5854\u7279\u98ce\u9669\u3002\u5373\u5f53\u5883\u5185\u94f6\u884c\u5df2\u7ecf\u5b8c\u6210\u7ed3\u7b97\u65f6\uff0c\u5883\u5916\u91d1\u878d\u673a\u6784\u7834\u4ea7\uff0c\u5219\u5883\u5185\u94f6\u884c\u53ef\u80fd\u906d\u53d7\u8d44\u91d1\u635f\u5931\u3002\u540c\u65f6\u7531\u4e8eHVPS\u5883\u5185\u5916\u6c47\u6b3e\u4e0d\u505a\u4e25\u683c\u533a\u5206\uff0c\u5883\u5916\u91d1\u878d\u673a\u6784\u7684\u98ce\u9669\u4f1a\u76f4\u63a5\u4f20\u5230\u5883\u5185\u3002\u5982\u524d\u6240\u8ff0\uff0c\u5f53\u53d1\u751f\u8d6b\u65af\u5854\u7279\u98ce\u9669\uff0c\u5883\u5185\u94f6\u884c\u906d\u53d7\u635f\u5931\u65f6\uff0c\u8be5\u94f6\u884c\u53ef\u80fd\u7ee7\u800c\u4ea7\u751f\u6d41\u52a8\u6027\u7d27\u7f3a\u6216\u4fe1\u7528\u98ce\u9669\u3002\u8be5\u94f6\u884c\u5f15\u53d1\u7684\u652f\u4ed8\u5931\u8d25\u548c\u652f\u4ed8\u5ef6\u8fdf\u5c06\u5e7f\u6cdb\u7684\u5728HVPS\u7cfb\u7edf\u5185\u8513\u5ef6\u3002<\/p>\n\n\n\n<p>2\u3001\u6d41\u52a8\u6027\u98ce\u9669<\/p>\n\n\n\n<p>\u4e0a\u8ff0\u4e09\u79cd\u6a21\u5f0f\u90fd\u9700\u8981\u5883\u5916\u53c2\u4e0e\u65b9\u5728\u5883\u5185\u94f6\u884c\u5f00\u8bbe\u8d26\u6237\uff0c\u5e76\u51c6\u5907\u8d44\u91d1\u3002\u7531\u4e8e\u8de8\u5883\u652f\u4ed8\u7684\u9891\u7387\u4e0e\u8d44\u91d1\u89c4\u6a21\u96be\u4ee5\u4f30\u8ba1\uff0c\u800c\u6b64\u7c7b\u8d26\u6237\u7684\u6536\u76ca\u7387\u8f83\u4f4e\uff0c\u6545\u5883\u5916\u673a\u6784\u4e0d\u503e\u5411\u4e8e\u5c06\u5927\u91cf\u8d44\u91d1\u50a8\u5b58\u4e8e\u6b64\u7c7b\u8d26\u6237\u3002\u4eba\u6c11\u94f6\u884c\u539f\u5219\u4e0a\u5141\u8bb8\u5883\u5185\u4ee3\u7406\u884c\u4e3a\u5883\u5916\u91d1\u878d\u673a\u6784\u5f00\u8bbe\u7684\u4eba\u6c11\u5e01\u540c\u4e1a\u5f80\u6765\u8d26\u6237\u8fdb\u884c\u8d26\u6237\u878d\u8d44\u3002\u4f46\u662f\u878d\u8d44\u7684\u671f\u9650\u548c\u65b9\u5f0f\u9650\u5236\u8f83\u591a\uff0c\u6545\u4f20\u7edf\u6a21\u5f0f\u53ef\u80fd\u9762\u4e34\u6d41\u52a8\u6027\u7d27\u7f3a\u7684\u60c5\u51b5\uff0c\u652f\u4ed8\u6548\u7387\u5c06\u53d7\u5230\u6781\u5927\u7684\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>3\u3001\u64cd\u4f5c\u98ce\u9669<\/p>\n\n\n\n<p>\u8de8\u5883\u652f\u4ed8\u4fe1\u606f\u4f20\u9012\u65f6\u666e\u904d\u4f7f\u7528\u7684SWIFT\u7cfb\u7edf\u7684\u62a5\u6587\u683c\u5f0f\u4e0e\u6211\u56fd\u56fd\u5185\u7684HVPS\u5e76\u4e0d\u76f8\u540c\uff0c\u9700\u8981\u4eba\u5de5\u5b8c\u6210\u4fe1\u606f\u7ffb\u8bd1\u548c\u5f55\u5165\u8017\u65f6\u8017\u529b\uff0c\u5bb9\u6613\u4ea7\u751f\u9519\u8bef\uff0c\u5f71\u54cd\u652f\u4ed8\u5b89\u5168\u548c\u6548\u7387\u3002\u6b64\u5916\uff0cSWIFT\u7cfb\u7edf\u4ec5\u4f20\u9012\u4fe1\u606f\uff0c\u4e0d\u5b9e\u9645\u8fdb\u884c\u7ed3\u7b97\u3002\u8de8\u5883\u652f\u4ed8\u8d44\u91d1\u7684\u76d1\u7ba1\u4f9d\u8d56\u5883\u5185\u4ee3\u7406\u884c\u4eba\u5de5\u5f55\u5165\u4eba\u6c11\u5e01\u8de8\u5883\u6536\u4ed8\u4fe1\u606f\u7ba1\u7406\u7cfb\u7edf\uff0c\u6f0f\u62a5\u3001\u9519\u62a5\u7684\u53ef\u80fd\u6027\u5927\uff0c\u5bb9\u6613\u5bf9\u91d1\u878d\u76d1\u7ba1\u4ea7\u751f\u4e0d\u5229\u5f71\u54cd\u3002<a name=\"_ftnref13\"><\/a><a href=\"#_ftn13\"><u><sup>[13]<\/sup><\/u><\/a><\/p>\n\n\n\n<p>\u4f20\u7edf\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u6a21\u5f0f\u662f\u5728\u4eba\u6c11\u5e01\u8ba1\u4ef7\u7684\u8de8\u5883\u8d27\u7269\u8d38\u6613\u5b9e\u8df5\u57fa\u7840\u4e0a\u5f62\u6210\u7684\u3002\u5b83\u5728\u8fd0\u4f5c\u673a\u5236\u3001\u98ce\u9669\u9632\u63a7\u7b49\u65b9\u9762\u7684\u56fa\u6709\u7f3a\u9677\uff0c\u96be\u4ee5\u6ee1\u8db3\u8de8\u5883\u4eba\u6c11\u5e01\u76f4\u63a5\u6295\u8d44\u7684\u9700\u6c42\u30022011\u5e74\uff0c\u8de8\u5883\u8d38\u6613\u4eba\u6c11\u5e01\u7ed3\u7b97\u91cf\u8d852\u4e07\u4ebf\u5143\uff0c\u8de8\u5883\u76f4\u63a5\u6295\u8d44\u4eba\u6c11\u5e01\u7ed3\u7b97\u91cf\u8d851100\u4ebf\u5143\u3002<a name=\"_ftnref14\"><\/a><a href=\"#_ftn14\"><u><sup>[14]<\/sup><\/u><\/a>\u9762\u5bf9\u5de8\u5927\u7684\u5e02\u573a\u9700\u6c42\uff0c\u4eba\u6c11\u94f6\u884c2012\u5e74\u51b3\u5b9a\u5efa\u8bbe\u5168\u65b0\u7684\u4eba\u6c11\u5e01\u8de8\u5883\u7ed3\u7b97\u901a\u9053\u2014\u2014\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff08CIPS\uff09\u30022015\u5e74\u300a\u653f\u5e9c\u5de5\u4f5c\u62a5\u544a\u300b\u660e\u786e\u63d0\u51fa\uff0c\u201c\u52a0\u5feb\u5efa\u8bbe\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff0c\u5b8c\u5584\u4eba\u6c11\u5e01\u5168\u7403\u6e05\u7b97\u670d\u52a1\u4f53\u7cfb\u201d\u3002<\/p>\n\n\n\n<p><strong>&nbsp;<\/strong><strong>\u56db\u3001\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u7684\u8fd0\u4f5c\u673a\u5236\u4e0e\u5229\u5f0a<\/strong><\/p>\n\n\n\n<p>2015\u5e7410\u67088\u65e5\uff0c\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff08\u4e00\u671f\uff09\u6b63\u5f0f\u4e0a\u7ebf\uff0c\u5e76\u7531\u5728\u4e0a\u6d77\u8bbe\u7acb\u7684\u8de8\u5883\u94f6\u884c\u95f4\u652f\u4ed8\u6e05\u7b97\uff08\u4e0a\u6d77\uff09\u6709\u9650\u8d23\u4efb\u516c\u53f8\u8d1f\u8d23\u8fd0\u8425\u30022015\u5e7410\u67088\u65e5\u4e0a\u53489\u70b9\u6574\uff0c\u9996\u7b14\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u4e1a\u52a1\u7531\u62db\u5546\u94f6\u884c\u5883\u5916\u5b50\u884c\u6c38\u9686\u94f6\u884c\u5b8c\u6210\u3002<a name=\"_ftnref15\"><\/a><a href=\"#_ftn15\"><u><sup>[15]<\/sup><\/u><\/a>\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u5efa\u8bbe\u53d6\u5f97\u9636\u6bb5\u6027\u6210\u679c\u3002<\/p>\n\n\n\n<p><strong>&nbsp;<\/strong><strong>\uff08\u4e00\uff09\u7cfb\u7edf\u53c2\u4e0e\u8005<\/strong><\/p>\n\n\n\n<p>CIPS\u53c2\u4e0e\u8005\u5206\u4e3a\u76f4\u63a5\u53c2\u4e0e\u8005\u548c\u95f4\u63a5\u53c2\u4e0e\u8005\u3002\u76f4\u63a5\u53c2\u4e0e\u8005\u662f\u5728CIPS\u5f00\u7acb\u8d26\u6237\uff0c\u62e5\u6709CIPS\u884c\u53f7\uff0c\u76f4\u63a5\u901a\u8fc7CIPS\u529e\u7406\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7684\u91d1\u878d\u673a\u6784\u3002\u95f4\u63a5\u53c2\u4e0e\u8005\u4e0d\u5728CIPS\u5f00\u7acb\u8d26\u6237\uff0c\u4f46\u62e5\u6709CIPS\u884c\u53f7\uff0c\u59d4\u6258\u76f4\u63a5\u53c2\u4e0e\u8005\u4ee3\u5176\u529e\u7406\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u3002\u4eba\u6c11\u94f6\u884c\u6839\u636e\u5546\u4e1a\u94f6\u884c\u7684\u53c2\u4e0e\u610f\u613f\uff0c\u7ed3\u5408\u5883\u5185\u5404\u94f6\u884c\u8de8\u5883\u548c\u79bb\u5cb8\u4eba\u6c11\u5e01\u4e1a\u52a1\u91cf\u3001\u6280\u672f\u5f00\u53d1\u80fd\u529b\u548c\u5916\u8d44\u94f6\u884c\u56fd\u522b\u5730\u57df\u5206\u5e03\u60c5\u51b5\u7b49\uff0c\u7ecf\u8fc7\u6280\u672f\u68c0\u9a8c\u7edf\u7b79\u786e\u5b9a19\u5bb6\u91d1\u878d\u673a\u6784\u83b7\u5f97\u76f4\u63a5\u53c2\u4e0e\u8005\u8d44\u683c\u3002<a name=\"_ftnref16\"><\/a><a href=\"#_ftn16\"><u><sup>[16]<\/sup><\/u><\/a>CIPS\u76f4\u63a5\u53c2\u4e0e\u8005\u5fc5\u987b\u662f\u5728\u4e2d\u56fd\u5883\u5185\u4f9d\u6cd5\u8bbe\u7acb\u7684\u94f6\u884c\u4e1a\u91d1\u878d\u673a\u6784\uff0c\u5883\u5916\u91d1\u878d\u673a\u6784\u53ea\u80fd\u7533\u8bf7\u95f4\u63a5\u53c2\u4e0e\u8005\u8d44\u683c\u3002\u95f4\u63a5\u53c2\u4e0e\u8005\u901a\u8fc7\u76f4\u63a5\u53c2\u4e0e\u8005\u63a5\u5165\u7cfb\u7edf\uff0c\u5e76\u59d4\u6258\u76f4\u63a5\u53c2\u4e0e\u8005\u5f00\u5c55\u4e1a\u52a1\u3002\u4e00\u4e2a\u76f4\u63a5\u53c2\u4e0e\u8005\u53ef\u4ee5\u4e0e\u591a\u4e2a\u95f4\u63a5\u53c2\u4e0e\u8005\u5efa\u7acb\u4e1a\u52a1\u5173\u7cfb\u3002\u4e00\u4e2a\u95f4\u63a5\u53c2\u4e0e\u8005\u4e5f\u53ef\u4e0e\u591a\u4e2a\u76f4\u63a5\u53c2\u4e0e\u8005\u5efa\u7acb\u4e1a\u52a1\u5173\u7cfb\u3002\u91d1\u878d\u673a\u6784\u901a\u8fc7\u63d0\u4ea4\u8d44\u6599\u7684\u65b9\u5f0f\uff0c\u5411CIPS\u8fd0\u8425\u673a\u6784\u7533\u8bf7\u76f4\u63a5\u6216\u95f4\u63a5\u53c2\u4e0e\u8005\u3002\u7533\u8bf7\u95f4\u63a5\u53c2\u4e0e\u8005\u7684\uff0c\u7531\u76f4\u63a5\u53c2\u4e0e\u8005\u4ee3\u4e3a\u63d0\u4ea4\u8d44\u6599\u3002<\/p>\n\n\n\n<p><strong>&nbsp;<\/strong><strong>\uff08\u4e8c\uff09\u4e1a\u52a1\u5904\u7406\u6d41\u7a0b<\/strong><\/p>\n\n\n\n<p>CIPS\u5f00\u59cb\u4e1a\u52a1\u5904\u7406\u524d\u9700\u8981\u5f00\u7acb\u76f8\u5173\u8d26\u6237\u3002\u9996\u5148\uff0cCIPS\u8fd0\u8425\u673a\u6784\u4e3a\u76f4\u63a5\u53c2\u4e0e\u8005\u5728CIPS\u5f00\u7acb\u4e0d\u8ba1\u606f\u3001\u4e0d\u900f\u652f\u3001\u65e5\u7ec8\u4f59\u989d\u4e3a\u96f6\u7684\u8d26\u6237\u3002\u76f4\u63a5\u53c2\u4e0e\u8005\u901a\u8fc7\u8be5\u8d26\u6237\u4e0e\u5176\u4ed6\u76f4\u63a5\u53c2\u4e0e\u8005\u529e\u7406\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u3002\u5176\u6b21\uff0c\u4eba\u6c11\u94f6\u884c\u4e3aCIPS\u5728\u5927\u989d\u652f\u4ed8\u7cfb\u7edf\uff08HVPS\uff09\u5f00\u8bbe\u4e0d\u5f97\u900f\u652f\u3001\u65e5\u5747\u4f59\u989d\u4e3a\u96f6\u7684\u7ed3\u7b97\u8d26\u6237\u3002\u8be5\u8d26\u6237\u53cd\u6620\u6240\u6709CIPS\u76f4\u63a5\u53c2\u4e0e\u8005\u7684\u6743\u76ca\uff0c\u76f4\u63a5\u53c2\u4e0e\u8005\u4f9d\u636eCIPS\u8d26\u6237\u4f59\u989d\u4eab\u6709\u6743\u76ca\u3002\u8fd0\u8425\u673a\u6784\u4e0d\u5f97\u968f\u610f\u652f\u914d\u8be5\u8d26\u6237\u5185\u7684\u8d44\u91d1\u3002<\/p>\n\n\n\n<p>CIPS\u7684\u4e1a\u52a1\u5904\u7406\u5206\u4e3a\u8425\u4e1a\u51c6\u5907\u3001\u65e5\u95f4\u5904\u7406\u548c\u65e5\u7ec8\u5904\u7406\u4e09\u4e2a\u9636\u6bb5\u3002\u5728\u8425\u4e1a\u51c6\u5907\u9636\u6bb5\uff0c\u4e3b\u8981\u8fdb\u884c\u8bbe\u5907\u3001\u8d44\u91d1\u7b49\u65b9\u9762\u7684\u51c6\u5907\u3002\u5728\u6b64\u671f\u95f4\uff0c\u76f4\u63a5\u53c2\u4e0e\u8005\u9700\u8981\u5411\u5176CIPS\u8d26\u6237\u6ce8\u5165\u9ad8\u4e8e\u6700\u4f4e\u9650\u989d\u7684\u8d44\u91d1\u3002\u5982\u679c\u6ce8\u5165\u7684\u8d44\u91d1\u4f4e\u4e8e\u6700\u4f4e\u9650\u989d\u8981\u6c42\uff0c\u5219\u76f4\u63a5\u53c2\u4e0e\u8005\u4e0d\u80fd\u5728CIPS\u65e5\u95f4\u5904\u7406\u9636\u6bb5\u5f00\u5c55\u4e1a\u52a1\u3002\u65e5\u95f4\u5904\u7406\u9636\u6bb5\u5f00\u59cb\u540e\uff0c\u76f4\u63a5\u53c2\u4e0e\u8005\u8fd8\u53ef\u4ee5\u901a\u8fc7HVPS\u589e\u52a0\u6216\u51cf\u5c11CIPS\u8d26\u6237\u5185\u7684\u8d44\u91d1\uff0c\u4f46\u8d26\u6237\u4f59\u989d\u5e94\u59cb\u7ec8\u9ad8\u4e8e\u6700\u4f4e\u9650\u989d\u7684\u8981\u6c42\u3002\u65e5\u95f4\u5904\u7406\u9636\u6bb5\u6700\u540e30\u5206\u949f\u5185\uff0c\u4e0d\u5f97\u6ce8\u5165\u8d44\u91d1\u3002\u76f4\u63a5\u53c2\u4e0e\u8005CIPS\u8d26\u6237\u95f4\u53ef\u4ee5\u8fdb\u884c\u540c\u4e1a\u62c6\u501f\uff0c\u4f46\u4e0d\u80fd\u76f4\u63a5\u901a\u8fc7HVPS\u5411\u5176\u4ed6\u76f4\u63a5\u53c2\u4e0e\u8005\u7684CIPS\u8d26\u6237\u6ce8\u8d44\u3002<\/p>\n\n\n\n<p>CIPS\uff08\u4e00\u671f\uff09\u91c7\u7528\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u65b9\u5f0f\uff0c\u53ea\u80fd\u529e\u7406\u5f53\u65e5\u7ed3\u7b97\u7684\u652f\u4ed8\u4e1a\u52a1\u3002\u65e5\u95f4\u5904\u7406\u9636\u6bb5\u5f00\u59cb\u540e\uff0c\u76f4\u63a5\u53c2\u4e0e\u8005\u63a5\u53d7\u5ba2\u6237\u59d4\u6258\uff0c\u529e\u7406\u6c47\u6b3e\u65f6\uff0c\u6839\u636e\u4e0d\u540c\u6743\u9650\u91c7\u53d6\u9002\u5f53\u7684\u62a5\u6587\u7c7b\u578b\u5411CIPS\u8fd0\u8425\u673a\u6784\u53d1\u51fa\u6307\u4ee4\u3002\u8fd0\u8425\u673a\u6784\u6536\u5230\u6307\u4ee4\u3001\u5ba1\u67e5\u65e0\u8bef\u540e\uff0c\u8fdb\u884c\u8d44\u91d1\u7ed3\u7b97\u3002\u5982\u679c\u8be5\u76f4\u63a5\u53c2\u4e0e\u8005\u7684\u8d26\u52a1\u4f59\u989d\u8db3\u591f\u652f\u4ed8\uff0c\u5219\u7acb\u5373\u8fdb\u884c\u8d44\u91d1\u7ed3\u7b97\u3002\u4f59\u989d\u4e0d\u8db3\u652f\u4ed8\u65f6\uff0c\u5219\u4f9d\u636e\u652f\u4ed8\u4e1a\u52a1\u63a5\u6536\u7684\u5148\u540e\u987a\u5e8f\u6392\u961f\u5904\u7406\u3002\u8d44\u91d1\u7ed3\u7b97\u5b8c\u6210\u540e\uff0c\u8fd0\u8425\u673a\u6784\u5206\u522b\u5411\u53d1\u8d77\u76f4\u63a5\u53c2\u4e0e\u8005\u548c\u63a5\u6536\u76f4\u63a5\u53c2\u4e0e\u8005\u53d1\u9001\u786e\u8ba4\u62a5\u6587\uff0c\u5ba3\u544a\u652f\u4ed8\u4e1a\u52a1\u5b8c\u6210\u3002\u53d1\u8d77\u76f4\u63a5\u53c2\u4e0e\u8005\u53ef\u4ee5\u968f\u65f6\u64a4\u9500\u6392\u961f\u4e2d\u7684\u652f\u4ed8\u4e1a\u52a1\u3002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class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"980\" height=\"802\" src=\"https:\/\/woocommerce.net.cn\/wp-content\/uploads\/2025\/08\/image-267.png\" alt=\"\" class=\"wp-image-600\" srcset=\"https:\/\/woocommerce.net.cn\/wp-content\/uploads\/2025\/08\/image-267.png 980w, https:\/\/woocommerce.net.cn\/wp-content\/uploads\/2025\/08\/image-267-300x246.png 300w, https:\/\/woocommerce.net.cn\/wp-content\/uploads\/2025\/08\/image-267-768x629.png 768w\" sizes=\"(max-width: 980px) 100vw, 980px\" \/><\/figure>\n\n\n\n<p><strong>\uff08\u4e09\uff09\u98ce\u9669\u9632\u63a7\u7684\u8fdb\u6b65\u4e0e\u4e0d\u8db3<\/strong><\/p>\n\n\n\n<p>1\u3001\u4fe1\u7528\u98ce\u9669\u9632\u63a7\u7684\u957f\u8db3\u8fdb\u6b65<\/p>\n\n\n\n<p>CIPS\u5728\u4fe1\u7528\u98ce\u9669\u7684\u9632\u63a7\u4e0a\u53d6\u5f97\u957f\u8db3\u8fdb\u6b65\u3002\u9996\u5148\uff0cCIPS\u662f\u7eaf\u7cb9\u7684\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\uff0c\u5373\u652f\u4ed8\u53d1\u8d77\u65b9\u8d26\u6237\u5185\u4f59\u989d\u5145\u8db3\u65f6\uff0c\u652f\u4ed8\u624d\u5b9e\u65f6\u7ed3\u7b97\uff0c\u5426\u5219\u652f\u4ed8\u6307\u4ee4\u5904\u4e8e\u6392\u961f\u72b6\u6001\u3002\u5373\u4f7f\u51fa\u73b0\u4ea4\u6613\u53c2\u4e0e\u8005\u4e27\u5931\u652f\u4ed8\u80fd\u529b\u7684\u60c5\u51b5\uff0c\u7531\u4e8e\u8f67\u5dee\u548c\u8d26\u6237\u4f59\u989d\u7684\u53d8\u52a8\u662f\u540c\u65f6\u8fdb\u884c\u7684\uff0c\u4e0d\u5b58\u5728\u4fe1\u7528\u98ce\u9669\u6269\u6563\u7684\u53ef\u80fd\u3002\u9664\u540c\u4e1a\u62c6\u501f\u5916\uff0cCIPS\u5e76\u672a\u5f15\u5165\u4efb\u4f55\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\u3001\u878d\u8d44\u673a\u5236\u6216\u76f8\u4e92\u6388\u4fe1\u673a\u5236\uff0c\u800c\u4e14CIPS\u7ed3\u7b97\u8d26\u6237\u4e0d\u80fd\u900f\u652f\uff0c\u57fa\u672c\u4e0d\u5b58\u5728\u53d1\u751f\u4fe1\u7528\u98ce\u9669\u7684\u53ef\u80fd\u6027\u3002\u540c\u65f6\uff0cCIPS\u8981\u6c42\u7cfb\u7edf\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\u5fc5\u987b\u662f\u5883\u5185\u91d1\u878d\u673a\u6784\uff0c\u4ea4\u6613\u5bf9\u624b\u65b9\u4e4b\u95f4\u7684\u4ea4\u6613\u65f6\u95f4\u3001\u4ea4\u6613\u4e60\u60ef\u4ee5\u53ca\u6cd5\u5f8b\u9002\u7528\u5747\u57fa\u672c\u76f8\u540c\uff0c\u4e5f\u6709\u6548\u7684\u9632\u8303\u4e86\u4fe1\u7528\u98ce\u9669\u7684\u4ea7\u751f\u3002<\/p>\n\n\n\n<p>\u5176\u6b21\uff0cCIPS\u7ed3\u7b97\u8d26\u6237\u4e0e\u56fd\u5185\u7684HVPS\u7ed3\u7b97\u8d26\u6237\u76f8\u4e92\u72ec\u7acb\uff0c\u4f7fCIPS\u76f4\u63a5\u53c2\u4e0e\u8005\u7684\u8de8\u5883\u652f\u4ed8\u4e1a\u52a1\u4e0e\u56fd\u5185\u652f\u4ed8\u4e1a\u52a1\u9694\u7edd\uff0c\u53ef\u4ee5\u6709\u6548\u9632\u8303\u5883\u5916\u91d1\u878d\u673a\u6784\u7684\u652f\u4ed8\u98ce\u9669\u5411\u5883\u5185\u4f20\u5bfc\u3002CIPS\u7ed3\u7b97\u8d26\u6237\u4e0eHVPS\u7ed3\u7b97\u8d26\u6237\u72ec\u7acb\u8bbe\u7f6e\uff0c\u5373\u4fbf\u8de8\u5883\u652f\u4ed8\u4e1a\u52a1\u53d1\u751f\u98ce\u9669\uff0c\u635f\u5931\u989d\u5ea6\u4e5f\u4ec5\u4e3aCIPS\u7ed3\u7b97\u8d26\u6237\u5185\u7684\u8d44\u91d1\uff0c\u5e76\u4e0d\u4f1a\u5bf9HVPS\u7ed3\u7b97\u8d26\u6237\u4ea7\u751f\u5f71\u54cd\u3002\u4ece\u4e8b\u8de8\u5883\u652f\u4ed8\u4e1a\u52a1\u7684\u91d1\u878d\u673a\u6784\u4e0e\u4ec5\u4ece\u4e8b\u5883\u5185\u652f\u4ed8\u4e1a\u52a1\u7684\u91d1\u878d\u673a\u6784\u4e0d\u53d1\u751f\u5b9e\u8d28\u8054\u7cfb\uff0c\u8de8\u5883\u652f\u4ed8\u98ce\u9669\u4ec5\u5b58\u5728\u4e8eCIPS\uff0c\u5728HVPS\u7ed3\u7b97\u7684\u5883\u5185\u4e1a\u52a1\u4e0d\u53d7\u5f71\u54cd\u3002\u5883\u5185\u91d1\u878d\u7cfb\u7edf\u7684\u5b89\u5168\u5f97\u5230\u4fdd\u8bc1\u3002<\/p>\n\n\n\n<p>\u6700\u540e\uff0cCIPS\u7684\u65e5\u95f4\u5904\u7406\u65f6\u95f4\u4e3a\u5317\u4eac\u65f6\u95f48\u65f6\u81f321\u65f6\uff0c\u8fd0\u8425\u65f6\u95f4\u6bd4HVPS\u66f4\u957f\uff0c\u57fa\u672c\u6ee1\u8db3\u5168\u7403\u5404\u65f6\u533a\u7684\u652f\u4ed8\u9700\u6c42\uff0c\u53ef\u4ee5\u4fdd\u8bc1\u652f\u4ed8\u6307\u4ee4\u80fd\u591f\u88ab\u5b9e\u65f6\u7ed3\u7b97\uff0c\u80fd\u6709\u6548\u9632\u6b62\u76f4\u63a5\u53c2\u4e0e\u8005\u4e0e\u95f4\u63a5\u53c2\u4e0e\u8005\u95f4\u7ed3\u7b97\u65f6\u8d6b\u65af\u5854\u7279\u98ce\u9669\u7684\u4ea7\u751f\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\u4fe1\u7528\u98ce\u9669\u5e76\u672a\u4ece\u6839\u672c\u4e0a\u5f97\u5230\u89e3\u51b3\u3002\u5173\u4e8e\u652f\u4ed8\u7cfb\u7edf\u53c2\u4e0e\u8005\u7834\u4ea7\u65f6\u7ed3\u7b97\u6700\u7ec8\u6027\u548c\u8f67\u5dee\u5b89\u6392\u7684\u6cd5\u5f8b\u786e\u8ba4<a name=\"_ftnref17\"><\/a><a href=\"#_ftn17\"><u><sup>[17]<\/sup><\/u><\/a>\uff0c\u6211\u56fd\u4ecd\u7136\u6ca1\u6709\u4e13\u95e8\u7684\u6cd5\u5f8b\u89c4\u5b9a\u3002\u5982\u4e0a\u6587\u6240\u8ff0\uff0c\u8fd9\u4e00\u6f0f\u6d1e\u53ef\u80fd\u52a8\u6447\u7ed3\u7b97\u7ed3\u679c\uff0c\u5f15\u53d1\u5927\u89c4\u6a21\u4fe1\u7528\u98ce\u9669\u3002<\/p>\n\n\n\n<p>2\u3001\u4e1a\u52a1\u6548\u7387\u7684\u63d0\u9ad8\u4e0e\u91d1\u878d\u76d1\u7ba1\u7684\u5b8c\u5584<\/p>\n\n\n\n<p>CIPS\u91c7\u7528\u4e86ISO20022\u62a5\u6587\u6807\u51c6\uff0c\u7cfb\u7edf\u8bbe\u8ba1\u65f6\u5145\u5206\u8003\u8651\u4e86SWIFT MT\u62a5\u6587\u8f6c\u6362\u7684\u8981\u6c42\uff0c\u59a5\u5584\u89e3\u51b3\u4e86\u4f20\u7edf\u6a21\u5f0f\u4e0bSWIFT\u62a5\u6587\u4e0eHVPS\u62a5\u6587\u6807\u51c6\u4e0d\u540c\u5f71\u54cd\u7ed3\u7b97\u6548\u7387\u4e0e\u5b89\u5168\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p>\u5728\u91d1\u878d\u76d1\u7ba1\u65b9\u9762\uff0cCIPS\u4e3a\u6240\u6709\u53c2\u4e0e\u8005\uff08\u5305\u62ec\u76f4\u63a5\u53c2\u4e0e\u8005\u548c\u95f4\u63a5\u53c2\u4e0e\u8005\uff09\u786e\u5b9a\u4e86\u4e13\u5c5e\u7684\u884c\u53f7\uff0c\u8de8\u5883\u652f\u4ed8\u65f6\u4e0d\u5b58\u5728\u4f20\u7edf\u6a21\u5f0f\u7684\u7ffb\u8bd1\u95ee\u9898\u3002\u8de8\u5883\u8d44\u91d1\u6d41\u5411\u4e00\u76ee\u4e86\u7136\uff0c\u6709\u5229\u4e8e\u6253\u51fb\u6d17\u94b1\u7b49\u8de8\u5883\u91d1\u878d\u72af\u7f6a\u3002CIPS\u65e5\u7ec8\u5904\u7406\u65f6\uff0c\u8fd0\u8425\u673a\u6784\u5bf9\u5f53\u65e5\u652f\u4ed8\u6570\u636e\u7684\u7edf\u8ba1\uff0c\u4fbf\u4e8e\u76d1\u7ba1\u673a\u6784\u638c\u63e1\u8de8\u5883\u652f\u4ed8\u7684\u76f8\u5173\u6570\u636e\u3002\u76f8\u5bf9\u4e8e\u4f20\u7edf\u6a21\u5f0f\uff0c\u57fa\u672c\u6392\u9664\u4e86\u9519\u62a5\u3001\u6f0f\u62a5\u7684\u53ef\u80fd\u6027\uff0c\u66f4\u52a0\u4fbf\u5229\u51c6\u786e\u3002<\/p>\n\n\n\n<p>3\u3001\u6d41\u52a8\u6027\u98ce\u9669\u5e94\u5bf9\u7684\u5148\u5929\u4e0d\u8db3<\/p>\n\n\n\n<p>CIPS\u5728\u6d41\u52a8\u6027\u98ce\u9669\u5e94\u5bf9\u63aa\u65bd\u660e\u663e\u4e0d\u8db3\u3002CIPS\u4f5c\u4e3a\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u5728\u6d41\u52a8\u6027\u98ce\u9669\u5e94\u5bf9\u4e0a\u5b58\u5728\u5148\u5929\u4e0d\u8db3\u3002\u7cfb\u7edf\u8bbe\u8ba1\u8005\u53c8\u672a\u4e3a\u5176\u8bbe\u8ba1\u76f8\u5e94\u7684\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\uff0c\u4ec5\u4ec5\u5f15\u5165\u4e86\u540c\u4e1a\u62c6\u501f\uff0cCIPS\u8fd0\u884c\u4e2d\u9762\u4e34\u6d41\u52a8\u6027\u98ce\u9669\u7684\u53ef\u80fd\u6027\u5f88\u5927\u3002<\/p>\n\n\n\n<p>\u65e5\u95f4\u6d41\u52a8\u6027\u4f9b\u7ed9\u5b89\u6392\u5bf9\u8bbe\u8ba1\u4e00\u4e2a\u6210\u529f\u7684\u5b9e\u65f6\u652f\u4ed8\u7cfb\u7edf\u81f3\u5173\u91cd\u8981\uff0c\u5b83\u51b3\u5b9a\u4e86\u6d41\u52a8\u6027\u7684\u6210\u672c\u53ca\u5ef6\u8fdf\u652f\u4ed8\u7684\u52a8\u673a\u3002<a name=\"_ftnref18\"><\/a><a href=\"#_ftn18\"><u><sup>[18]<\/sup><\/u><\/a>CIPS\u7684\u8d26\u6237\u662f\u4e0d\u8ba1\u606f\u7684\uff0c\u76f4\u63a5\u53c2\u4e0e\u8005\u7684\u6d41\u52a8\u6027\u6301\u6709\u6210\u672c\u6781\u9ad8\uff0c\u56e0\u6b64\u503e\u5411\u4e8e\u5c06CIPS\u8d26\u6237\u7684\u4f59\u989d\u4fdd\u6301\u5728\u8f83\u4f4e\u6c34\u5e73\u3002\u7531\u4e8e\u76f4\u63a5\u53c2\u4e0e\u8005\u53ef\u4ee5\u901a\u8fc7HVPS\u8d26\u6237\u5b9e\u65f6\u8c03\u6574\u5176\u5728CIPS\u8d26\u6237\u7684\u4f59\u989d\uff0c\u56e0\u6b64\u76f4\u63a5\u53c2\u4e0e\u8005\u5fc5\u7136\u9ad8\u9891\u8c03\u6574CIPS\u8d26\u6237\u4f59\u989d\uff0c\u5bfc\u81f4\u7cfb\u7edf\u7684\u8d1f\u62c5\u589e\u52a0\u3002\u6b64\u5916\uff0c\u867d\u7136CIPS\u8d26\u6237\u5141\u8bb8\u540c\u4e1a\u62c6\u501f\u3002\u4f46\u662f\uff0c\u901a\u8fc7\u540c\u4e1a\u62c6\u501f\u83b7\u5f97\u6d41\u52a8\u6027\u7684\u6210\u672c\u5fc5\u7136\u9ad8\u4e8e\u4eceHVPS\u8d26\u6237\u76f4\u63a5\u8f6c\u5165\u6d41\u52a8\u6027\u3002\u56e0\u6b64\uff0c\u8fd9\u79cd\u6d41\u52a8\u6027\u83b7\u53d6\u65b9\u5f0f\u7684\u5b9e\u9645\u610f\u4e49\u4e0d\u5927\u3002CIPS\u6d41\u52a8\u6027\u4f9b\u7ed9\u5b89\u6392\u7684\u4e0d\u8db3\uff0c\u5bb9\u6613\u5bfc\u81f4\u76f4\u63a5\u53c2\u4e0e\u8005\u62bc\u540e\u652f\u4ed8\u6307\u4ee4\uff0c\u4ee5\u53ca\u652f\u4ed8\u5728\u5ef6\u8fdf\u540e\u7684\u96c6\u4e2d\u7206\u53d1\uff0c\u5c06\u5bf9\u7cfb\u7edf\u7684\u5197\u4f59\u5ea6\u548c\u6297\u538b\u80fd\u529b\u5e26\u6765\u8f83\u5927\u6311\u6218\u3002<\/p>\n\n\n\n<p>\u603b\u4e4b\uff0cCIPS\uff08\u4e00\u671f\uff09\u4ec5\u80fd\u57fa\u672c\u6ee1\u8db3\u5f53\u524d\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7684\u9700\u6c42\uff0c\u76f8\u5bf9\u4e8e\u4f20\u7edf\u6a21\u5f0f\u800c\u8a00\uff0c\u5b83\u5728\u4fe1\u7528\u98ce\u9669\u9632\u63a7\u4e0a\u53d6\u5f97\u4e86\u957f\u8db3\u7684\u8fdb\u6b65\uff0c\u4f46\u662f\u5728\u5e94\u5bf9\u6d41\u52a8\u6027\u98ce\u9669\u65b9\u9762\u7565\u663e\u4fdd\u5b88\uff0c\u8fdb\u53d6\u4e0d\u8db3\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"5\">&nbsp;<strong>\u201c\u4ee3\u7406\u884c\u6a21\u5f0f\u201d\u3001\u201c\u6e05\u7b97\u884c\u6a21\u5f0f\u201d\u3001\u201cNRA\u8d26\u6237\u6a21\u5f0f\u201d\u4e0e\u201cCIPS\u7cfb\u7edf\u201d\u6bd4\u8f83<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td>\u4ee3\u7406\u884c\u6a21\u5f0f<\/td><td>\u6e05\u7b97\u884c\u6a21\u5f0f<\/td><td>NRA\u8d26\u6237\u6a21\u5f0f<\/td><td>CIPS\u7cfb\u7edf<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u6e05\u7b97\u7cfb\u7edf<\/td><td>SWIFT\u3001\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf\uff08CNAPS\uff09\u3001\u5185\u5730\u94f6\u884c\u884c\u5185\u6e05\u7b97\u7cfb\u7edf<\/td><td>\u6240\u5728\u56fd\u652f\u4ed8\u7cfb\u7edf\u3001\u5185\u5730\u94f6\u884c\u884c\u5185\u6e05\u7b97\u7cfb\u7edf\u3001\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf\uff08CNAPS\uff09<\/td><td>\u5185\u5730\u94f6\u884c\u884c\u5185\u6e05\u7b97\u7cfb\u7edf\u3001\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf\uff08CNAPS\uff09<\/td><td>\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf(CNAPS)\u3001\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff08CIPS\uff09<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u8fd0\u4f5c\u57fa\u7840<\/td><td>\u5883\u5916\u94f6\u884c\u4e0e\u5883\u5185\u94f6\u884c\u7b7e\u7f72\u4eba\u6c11\u5e01\u4ee3\u7406\u7ed3\u7b97\u534f\u8bae<\/td><td>\u4eba\u6c11\u94f6\u884c\u4e0e\u5883\u5916\u592e\u884c\u7b7e\u7f72\u534f\u8bae\uff0c\u6307\u5b9a\u4eba\u6c11\u5e01\u4e1a\u52a1\u6e05\u7b97\u884c<\/td><td>\u5883\u5916\u4f01\u4e1a\u5728\u5883\u5185\u94f6\u884c\u5f00\u8bbe\u5883\u5916\u673a\u6784\u4eba\u6c11\u5e01\u7ed3\u7b97\u8d26\u6237<\/td><td>\u76f8\u5173\u94f6\u884c\u52a0\u5165\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff0c\u83b7\u5f97\u76f4\u63a5\u53c2\u4e0e\u8005\u6216\u95f4\u63a5\u53c2\u4e0e\u8005\u8d44\u683c<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4fe1\u7528\u98ce\u9669<\/td><td>\u4fe1\u7528\u98ce\u9669\u8f83\u9ad8\uff0c\u5e76\u6613\u5411\u5883\u5185\u4f20\u5bfc<\/td><td>\u4fe1\u7528\u98ce\u9669\u8f83\u9ad8\uff0c\u5e76\u6613\u5411\u5883\u5185\u4f20\u5bfc<\/td><td>\u4fe1\u7528\u98ce\u9669\u4f4e\uff0c\u4e0e\u5883\u5185\u652f\u4ed8\u5dee\u522b\u4e0d\u5927<\/td><td>\u4fe1\u7528\u98ce\u9669\u4f4e\uff0c\u5883\u5185\u4e0e\u5883\u5916\u98ce\u9669\u9694\u79bb<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u76d1\u7ba1\u7a0b\u5ea6<\/td><td>\u76d1\u7ba1\u96be\u4ee5\u638c\u63e1\u8de8\u5883\u8d44\u91d1\u6d41\u5411\u53ca\u89c4\u6a21<\/td><td>\u76d1\u7ba1\u96be\u4ee5\u638c\u63e1\u8de8\u5883\u8d44\u91d1\u6d41\u5411\u53ca\u89c4\u6a21<\/td><td>\u76d1\u7ba1\u4e25\u683c<\/td><td>\u4fbf\u5229\u7684\u638c\u63e1\u8de8\u5883\u8d44\u91d1\u7684\u6d41\u5411\u53ca\u89c4\u6a21<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u4fbf\u5229\u7a0b\u5ea6<\/td><td>\u6700\u4e3a\u8017\u65f6\u7e41\u7410<\/td><td>\u8f83\u201c\u4ee3\u7406\u884c\u6a21\u5f0f\u201d\u8017\u65f6\u5c11<\/td><td>\u4e0e\u5883\u5185\u652f\u4ed8\u5dee\u522b\u4e0d\u5927<\/td><td>\u8017\u65f6\u6700\u5c11<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u5b89\u5168\u6027<\/td><td>\u5b89\u5168\u6027\u4e00\u822c<\/td><td>\u5b89\u5168\u6027\u8f83\u9ad8<\/td><td>\u4e0e\u5883\u5185\u652f\u4ed8\u5dee\u522b\u4e0d\u5927<\/td><td>\u5b89\u5168\u6027\u6700\u9ad8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u4e94\u3001\u53d1\u5c55\u5efa\u8bae<\/strong><\/p>\n\n\n\n<p>\u5728\u5206\u6790CIPS\u8fd0\u4f5c\u673a\u5236\u548c\u98ce\u9669\u9632\u63a7\u7684\u57fa\u7840\u4e0a\uff0c\u7b14\u8005\u8ba4\u4e3aCIPS\u53ef\u4ee5\u5728\u4e0b\u51e0\u4e2a\u65b9\u9762\u505a\u51fa\u6539\u53d8\uff1a<\/p>\n\n\n\n<p>\u7b2c\u4e00\uff0c\u589e\u52a0\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\uff0c\u5b9e\u65bd\u6df7\u5408\u7ed3\u7b97\u65b9\u5f0f\u3002\u5728\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u7684\u57fa\u7840\u4e0a\uff0c\u5f15\u5165\u6d41\u52a8\u6027\u8282\u7ea6\u673a\u5236\u662f\u76ee\u524d\u4e3b\u6d41\u652f\u4ed8\u7cfb\u7edf\u91c7\u53d6\u7684\u57fa\u672c\u624b\u6bb5\u3002\u5728CIPS\u7cfb\u7edf\u4e2d\u5f15\u5165\u6301\u7eed\u51c0\u989d\u7ed3\u7b97\u6280\u672f\uff0c\u5b9e\u65f6\u8fdb\u884c\u53cc\u65b9\u548c\u591a\u65b9\u8f67\u5dee\uff0c\u8fdb\u884c\u51c0\u989d\u7ed3\u7b97\uff0c\u4ee5\u8fbe\u5230\u8282\u7ea6\u6d41\u52a8\u6027\u7684\u76ee\u7684\u3002\u6b64\u5916\uff0c\u8fd8\u53ef\u4ee5\u5141\u8bb8\u8d26\u6237\u900f\u652f\uff0c\u9488\u5bf9\u4e0d\u540c\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\uff0c\u8bbe\u7acb\u4e0d\u540c\u7684\u900f\u652f\u989d\u5ea6\u3002\u9488\u5bf9\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u5b58\u5728\u7684\u652f\u4ed8\u5ef6\u540e\u60c5\u51b5\uff0c\u53ef\u4ee5\u91c7\u53d6\u541e\u5410\u91cf\u89c4\u5219\uff0c\u8981\u6c42\u76f4\u63a5\u53c2\u4e0e\u8005\u5728\u89c4\u5b9a\u7684\u65f6\u95f4\u524d\u63d0\u4ea4\u4e0d\u4f4e\u4e8e\u5f53\u5929\u652f\u4ed8\u603b\u989d\u4e00\u5b9a\u6bd4\u4f8b\u7684\u652f\u4ed8\u6307\u4ee4\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\uff0c\u589e\u5f3a\u7cfb\u7edf\u98ce\u9669\u9632\u8303\u63aa\u65bd\uff0c\u5f3a\u5316\u4eba\u6c11\u94f6\u884c\u7684\u76d1\u7ba1\u3002CIPS\u73b0\u6709\u89c4\u5219\u5bf9\u7cfb\u7edf\u53c2\u4e0e\u8005\u7684\u98ce\u9669\u9632\u8303\u660e\u663e\u4e0d\u8db3\u3002\u9996\u5148\uff0c\u5e94\u5c3d\u5feb\u786e\u7acb\u7ed3\u7b97\u6700\u7ec8\u6027\u548c\u8f67\u5dee\u5b89\u6392\u7684\u6cd5\u5f8b\u6548\u529b\uff0c\u9632\u8303\u53c2\u4e0e\u8005\u7834\u4ea7\u53ef\u80fd\u5f15\u53d1\u7684\u7cfb\u7edf\u6027\u98ce\u9669\u3002\u8fd1\u671f\u53ef\u4ee5\u901a\u8fc7\u53f8\u6cd5\u89e3\u91ca\u6216\u4eba\u6c11\u94f6\u884c\u5236\u5b9a\u90e8\u95e8\u89c4\u7ae0\u7684\u65b9\u5f0f\u786e\u8ba4\u7ed3\u7b97\u7684\u6700\u7ec8\u6027\uff0c\u8fdc\u671f\u6700\u597d\u80fd\u5236\u5b9a\u4e13\u95e8\u7684\u652f\u4ed8\u6cd5\u89c4\uff0c\u7cfb\u7edf\u7684\u5b89\u6392\u8f67\u5dee\u548c\u7ed3\u7b97\u7684\u6cd5\u5f8b\u6548\u529b\u3002\u5176\u6b21\uff0c\u63d0\u9ad8\u300a\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u4e1a\u52a1\u6682\u884c\u89c4\u5219\u300b\u4e2d\u8bbe\u7f6e\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\u8d44\u683c\u6807\u51c6\u3002\u76ee\u524d\u8bbe\u7f6e\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\u6807\u51c6\u7f3a\u4e4f\u5b9e\u8d28\u9650\u5236\u6761\u4ef6\uff0c\u66f4\u591a\u4f9d\u8d56\u4e8e\u76d1\u7ba1\u8005\u7684\u5ba1\u67e5\u3002\u672a\u6765\uff0c\u53ef\u4ee5\u901a\u8fc7\u63d0\u9ad8\u76f4\u63a5\u53c2\u4e0e\u8005\u7684\u6807\u51c6\u589e\u5f3a\u7cfb\u7edf\u7684\u5b89\u5168\u6027\u3002\u6700\u540e\uff0c\u53ef\u4ee5\u901a\u8fc7\u76f8\u5173\u81ea\u5f8b\u89c4\u8303\u7684\u5b89\u6392\uff0c\u660e\u786e\u5f53\u95f4\u63a5\u53c2\u4e0e\u8005\u53d1\u751f\u98ce\u9669\u65f6\uff0c\u7531\u4ee3\u7406\u5176\u8fdb\u884c\u4e1a\u52a1\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\u6216\u6240\u6709\u7684\u76f4\u63a5\u53c2\u4e0e\u8005\u627f\u62c5\u98ce\u9669\u7684\u539f\u5219\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e09\uff0c\u589e\u52a0\u7cfb\u7edf\u529f\u80fd\uff0c\u63d0\u4f9b\u591a\u6837\u5316\u7684\u6e05\u7b97\u670d\u52a1\u3002CIPS\u76ee\u524d\u529f\u80fd\u8fd8\u6bd4\u8f83\u5355\u4e00\uff0c\u4e3b\u8981\u8fdb\u884c\u91d1\u878d\u673a\u6784\u6c47\u6b3e\u548c\u5ba2\u6237\u6c47\u6b3e\u7684\u5904\u7406\u3002\u968f\u7740\u4eba\u6c11\u5e01\u8d44\u672c\u8d26\u6237\u7684\u653e\u5f00\uff0c\u8de8\u5883\u4eba\u6c11\u5e01\u8bc1\u5238\u3001\u7968\u636e\u3001\u5916\u6c47\u4ea4\u6613\u7684\u6e05\u7b97\u4e1a\u52a1\u5c06\u589e\u5927\uff0c\u8feb\u5207\u9700\u8981\u76f8\u5e94\u5730CIPS\u4e0e\u5883\u5185\u8bc1\u5238\u3001\u7968\u636e\u3001\u5916\u6c47\u4ea4\u6613\u7ed3\u7b97\u7cfb\u7edf\u8fde\u63a5\uff0c\u5b9e\u73b0\u5916\u6c47\u540c\u6b65\u652f\u4ed8\u548c\u5238\u6b3e\u5151\u4ed8\u3002CIPS\u5e94\u5c3d\u65e9\u8fdb\u884c\u76f8\u5173\u6280\u672f\u7684\u5f00\u53d1\uff0c\u9002\u65f6\u63a8\u51fa\u76f8\u5173\u4e1a\u52a1\u3002<\/p>\n\n\n\n<p>\u603b\u4e4b\uff0cCIPS\uff08\u4e00\u671f\uff09\u4ec5\u4ec5\u89e3\u51b3\u4e86\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\u7684\u6709\u65e0\u95ee\u9898\uff0c\u8fd8\u8c08\u4e0d\u4e0a\u4fbf\u5229\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\uff0c\u4fc3\u8fdb\u4eba\u6c11\u5e01\u56fd\u9645\u5316\u3002\u6ca1\u6709\u4e00\u6d41\u7684\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff0c\u4eba\u6c11\u5e01\u6210\u4e3a\u56fd\u9645\u4e3b\u8981\u652f\u4ed8\u8d27\u5e01\u5c31\u53ea\u80fd\u6210\u4e3a\u7a7a\u8c08\u3002\u76ee\u524d\uff0c\u4eba\u6c11\u5e01\u56fd\u9645\u5316\u7684\u901f\u5ea6\u8d8a\u6765\u8d8a\u5feb\uff0cCIPS\u5fc5\u987b\u52a0\u5feb\u5efa\u8bbe\u6b65\u4f10\uff0c\u624d\u80fd\u66f4\u597d\u7684\u670d\u52a1\u4e8e\u4eba\u6c11\u5e01\u56fd\u9645\u5316\u8fd9\u4e00\u6574\u4f53\u76ee\u6807\u3002<\/p>\n\n\n\n<p><strong>\u9644\u5f55\uff1a<\/strong><\/p>\n\n\n\n<p><a name=\"_ftn1\"><\/a><a href=\"#_ftnref1\"><u>[1]<\/u><\/a>&nbsp;\u53c2\u89c1\u548c\u8baf\u7f51\uff1a\u5883\u5916\u5a92\u4f53\uff1a\u4eba\u6c11\u5e01\u9996\u8d85\u65e5\u5143\u6210\u5168\u7403\u7b2c\u56db\u5927\u652f\u4ed8\u8d27\u5e01\uff0chttp:\/\/news.hexun.com\/2015-10-08\/179659195.html\uff0c\u6700\u540e\u8bbf\u95ee\u65f6\u95f42015\u5e7411\u670810\u65e5\u3002<\/p>\n\n\n\n<p><a name=\"_ftn2\"><\/a><a href=\"#_ftnref2\"><u>[2]<\/u><\/a>&nbsp;CIPS\u7cfb\u7edf\u5c06\u5206\u4e3a\u4e24\u671f\u5efa\u8bbe\uff0c\u76ee\u524d\u6295\u5165\u4f7f\u7528\u7684\u662f\u4e00\u671f\u3002\u5982\u65e0\u7279\u6b8a\u8bf4\u660e\uff0c\u672c\u6587\u6240\u6307\u7684CIPS\u5747\u4e3a\u4e00\u671f\u3002<\/p>\n\n\n\n<p><a name=\"_ftn3\"><\/a><a href=\"#_ftnref3\"><u>[3]<\/u><\/a>&nbsp;\u51af\u83ca\u5e73\u7b49\u8457\uff1a\u300a\u652f\u4ed8\u4f53\u7cfb\u4e0e\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u300b\uff0c\u4e0a\u6d77\u4eba\u6c11\u51fa\u7248\u793e2009\u5e74\u7248\uff0c\u7b2c1\u9875\u3002<\/p>\n\n\n\n<p><a name=\"_ftn4\"><\/a><a href=\"#_ftnref4\"><u>[4]<\/u><\/a>&nbsp;\u5177\u4f53\u53c2\u89c1Mark Manning, Erlend Nier, Jochen Schanz\u7f16\u8457\uff0c\u7530\u6d77\u5c71\u7b49\u8bd1\uff1a\u300a\u5927\u989d\u652f\u4ed8\u7ed3\u7b97\u7684\u7ecf\u6d4e\u5b66\u5206\u6790\uff1a\u4e2d\u592e\u94f6\u884c\u89c6\u89d2\u7684\u7406\u8bba\u4e0e\u653f\u7b56\u300b\uff0c\u4e2d\u56fd\u91d1\u878d\u51fa\u7248\u793e2013\u5e74\u7248\uff0c\u7b2c76\u2014\u201481\u9875\u3002<\/p>\n\n\n\n<p><a name=\"_ftn5\"><\/a><a href=\"#_ftnref5\"><u>[5]<\/u><\/a>&nbsp;\u5177\u4f53\u53c2\u89c1\u5f3a\u529b\u3001\u738b\u83b9\u83b9\uff1a\u300a\u56fd\u9645\u5316\u80cc\u666f\u4e0b\u7684\u4eba\u6c11\u5e01\u7ed3\u7b97\u5236\u5ea6\u7684\u6539\u9769\u4e0e\u5b8c\u5584\u300b\uff0c\u8f7d\u300a\u4e2d\u56fd\u653f\u6cd5\u5927\u5b66\u5b66\u62a5\u300b2015\u5e74\u7b2c5\u671f\u3002<\/p>\n\n\n\n<p><a name=\"_ftn6\"><\/a><a href=\"#_ftnref6\"><u>[6]<\/u><\/a>&nbsp;Mark Manning, Erlend Nier, Jochen Schanz\u7f16\u8457\uff0c\u7530\u6d77\u5c71\u7b49\u8bd1\uff1a\u300a\u5927\u989d\u652f\u4ed8\u7ed3\u7b97\u7684\u7ecf\u6d4e\u5b66\u5206\u6790\uff1a\u4e2d\u592e\u94f6\u884c\u89c6\u89d2\u7684\u7406\u8bba\u4e0e\u653f\u7b56\u300b\uff0c\u4e2d\u56fd\u91d1\u878d\u51fa\u7248\u793e2013\u5e74\u7248\uff0c\u7b2c40\u9875\u3002<\/p>\n\n\n\n<p><a name=\"_ftn7\"><\/a><a href=\"#_ftnref7\"><u>[7]<\/u><\/a>&nbsp;1997\u5e74\uff0c\u56fd\u5bb6\u5916\u6c47\u7ba1\u7406\u5c40\u53d1\u5e03\u4e86\u300a\u8fb9\u5883\u8d38\u6613\u5916\u6c47\u7ba1\u7406\u6682\u884c\u529e\u6cd5\u300b\uff0c\u5141\u8bb8\u4ee5\u4eba\u6c11\u5e01\u7ed3\u7b97\uff0c\u4f46\u662f\u8981\u6c42\u5883\u5916\u8d38\u6613\u673a\u6784\u5728\u5883\u5185\u94f6\u884c\u5f00\u8bbe\u4eba\u6c11\u5e01\u7ed3\u7b97\u4e13\u7528\u8d26\u6237\uff0c\u89c4\u5b9a\u8d26\u6237\u8d44\u91d1\u53ea\u80fd\u7528\u4e8e\u8fb9\u5883\u8d38\u6613\u7684\u652f\u4ed8\u3002<\/p>\n\n\n\n<p><a name=\"_ftn8\"><\/a><a href=\"#_ftnref8\"><u>[8]<\/u><\/a>&nbsp;\u6839\u636e\u300a\u8de8\u5883\u8d38\u6613\u4eba\u6c11\u5e01\u7ed3\u7b97\u8bd5\u70b9\u7ba1\u7406\u529e\u6cd5\u300b\u7684\u89c4\u5b9a\uff0c\u8bd5\u70b9\u4f01\u4e1a\u7531\u8bd5\u70b9\u5730\u533a\u7684\u7701\u7ea7\u4eba\u6c11\u653f\u5e9c\u8d1f\u8d23\u534f\u8c03\u5f53\u5730\u6709\u5173\u90e8\u95e8\u63a8\u8350\uff0c\u7531\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u4f1a\u540c\u8d22\u653f\u90e8\u3001\u5546\u52a1\u90e8\u3001\u6d77\u5173\u603b\u7f72\u3001\u7a0e\u52a1\u603b\u5c40\u3001\u94f6\u76d1\u4f1a\u7b49\u6709\u5173\u90e8\u95e8\u8fdb\u884c\u5ba1\u6838\uff0c\u6700\u7ec8\u786e\u5b9a\u8bd5\u70b9\u4f01\u4e1a\u540d\u5355\u3002<\/p>\n\n\n\n<p><a name=\"_ftn9\"><\/a><a href=\"#_ftnref9\"><u>[9]<\/u><\/a>&nbsp;\u4e2d\u56fd\u73b0\u4ee3\u5316\u652f\u4ed8\u7cfb\u7edf\uff08CNAPS\uff09\u662f\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u4e3a\u6ee1\u8db3\u6211\u56fd\u56fd\u5185\u652f\u4ed8\u6e05\u7b97\u9700\u8981\uff0c\u800c\u5f00\u53d1\u7684\u5904\u7406\u5404\u94f6\u884c\u5f02\u5730\u3001\u540c\u57ce\u5404\u79cd\u652f\u4ed8\u4e1a\u52a1\u53ca\u5176\u8d44\u91d1\u6e05\u7b97\u548c\u8d27\u5e01\u5e02\u573a\u4ea4\u6613\u7684\u8d44\u91d1\u6e05\u7b97\u7684\u5e94\u7528\u7cfb\u7edf\u3002\u5b83\u662f\u5404\u94f6\u884c\u548c\u8d27\u5e01\u5e02\u573a\u7684\u516c\u5171\u652f\u4ed8\u6e05\u7b97\u5e73\u53f0\uff0c\u662f\u4eba\u6c11\u94f6\u884c\u53d1\u6325\u5176\u91d1\u878d\u670d\u52a1\u804c\u80fd\u7684\u91cd\u8981\u7684\u6838\u5fc3\u652f\u6301\u7cfb\u7edf\u3002\u5176\u4e3b\u8981\u5305\u62ec\u5927\u989d\u5b9e\u65f6\u652f\u4ed8\u7cfb\u7edf\uff08HVPS\uff09\u548c\u5c0f\u989d\u6279\u91cf\u652f\u4ed8\u7cfb\u7edf\uff08BEPS\uff09\u4e24\u4e2a\u4e1a\u52a1\u5e94\u7528\u7cfb\u7edf\u3002<\/p>\n\n\n\n<p><a name=\"_ftn10\"><\/a><a 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href=\"#_ftnref16\"><u>[16]<\/u><\/a>&nbsp;19\u5bb6\u91d1\u878d\u673a\u6784\u5206\u522b\u662f\uff1a\u5de5\u5546\u94f6\u884c\u3001\u519c\u4e1a\u94f6\u884c\u3001\u4e2d\u56fd\u94f6\u884c\u3001\u5efa\u8bbe\u94f6\u884c\u3001\u4ea4\u901a\u94f6\u884c\u3001\u534e\u590f\u94f6\u884c\u3001\u6c11\u751f\u94f6\u884c\u3001\u62db\u5546\u94f6\u884c\u3001\u5174\u4e1a\u94f6\u884c\u3001\u5e73\u5b89\u94f6\u884c\u3001\u6d66\u53d1\u94f6\u884c\u3001\u6c47\u4e30\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u82b1\u65d7\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u6e23\u6253\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u661f\u5c55\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u5fb7\u610f\u5fd7\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u6cd5\u56fd\u5df4\u9ece\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3001\u6fb3\u5927\u5229\u4e9a\u548c\u65b0\u897f\u5170\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u548c\u4e1c\u4e9a\u94f6\u884c\uff08\u4e2d\u56fd\uff09\u3002\u53c2\u89c1\uff1a\u300a\u4eba\u6c11\u5e01\u8de8\u5883\u652f\u4ed8\u7cfb\u7edf\uff08\u4e00\u671f\uff09\u7b54\u8bb0\u8005\u95ee\u300b\uff0chttp:\/\/www.pbc.gov.cn\/goutongjiaoliu\/113456\/113469\/2960456\/index.html\uff0c\u6700\u540e\u8bbf\u95ee\u65f6\u95f42015\u5e7411\u670814\u65e5\u3002<\/p>\n\n\n\n<p><a name=\"_ftn17\"><\/a><a href=\"#_ftnref17\"><u>[17]<\/u><\/a>&nbsp;\u8f67\u5dee\u5b89\u6392\u7684\u6cd5\u5f8b\u786e\u8ba4\uff0c\u5373\u4ece\u6cd5\u5f8b\u5c42\u9762\u786e\u8ba4\u8f67\u5dee\u7684\u6548\u529b\u4ee5\u5bf9\u6297\u53c2\u4e0e\u8005\u7834\u4ea7\u65f6\u503a\u6743\u4eba\u7684\u64a4\u9500\u6743\u3002<\/p>\n\n\n\n<p><a name=\"_ftn18\"><\/a><a href=\"#_ftnref18\"><u>[18]<\/u><\/a>&nbsp;Mark Manning, Erlend Nier, Jochen Schanz\u7f16\u8457\uff0c\u7530\u6d77\u5c71\u7b49\u8bd1\uff1a\u300a\u5927\u989d\u652f\u4ed8\u7ed3\u7b97\u7684\u7ecf\u6d4e\u5b66\u5206\u6790\uff1a\u4e2d\u592e\u94f6\u884c\u89c6\u89d2\u7684\u7406\u8bba\u4e0e\u653f\u7b56\u300b\uff0c\u4e2d\u56fd\u91d1\u878d\u51fa\u7248\u793e2013\u5e74\u7248\uff0c\u7b2c65\u9875\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eba\u6c11\u5e01\u8de8\u5883\u7ed3\u7b97\u5f62\u6210\u4e86\u4ee5\u201c\u4ee3\u7406\u884c\u201d\u3001\u201c\u6e05\u7b97 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":596,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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