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金融稳定理事会 (FSB):2024年跨境支付目标落实年度进展报告:关键绩效指标(中译版)(45页).pdf

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1、 Annual Progress Report on Meeting the Targets for Cross-border Payments 2024 Report on Key Performance Indicators 21 October 2024 The Financial Stability Board(FSB)coordinates at the international level the work of national financial authorities and international standard-setting bodies in order to

2、 develop and promote the implementation of effective regulatory,supervisory and other financial sector policies.Its mandate is set out in the FSB Charter,which governs the policymaking and related activities of the FSB.These activities,including any decisions reached in their context,shall not be bi

3、nding or give rise to any legal rights or obligations.Contact the Financial Stability Board Sign up for e-mail alerts:www.fsb.org/emailalert Follow the FSB on X/Twitter:FinStbBoard E-mail the FSB at:fsbfsb.org Copyright 2024 Financial Stability Board.Please refer to the terms and conditions iii Tabl

4、e of Contents Executive summary.1 1.Introduction.6 1.1.KPI monitoring report and progress report.7 1.2.Purpose of the KPIs.7 2.Wholesale payments.7 2.1.Speed of wholesale cross-border payments.8 2.2.Access to wholesale cross-border payments.12 2.3.Transparency of wholesale cross-border payments.12 3

5、.Retail payments.13 3.1.Changes in the composition of the retail-segment dataset.13 3.2.Revised methodology for speed and transparency.14 3.3.Cost of retail cross-border payments.17 3.4.Speed of retail cross-border payments.23 3.5.Access to retail cross-border payments.26 3.6.Transparency of retail

6、cross-border payments.27 4.Remittances.28 4.1.Cost of remittances.29 4.2.Speed of remittances.33 4.3.Access to remittances.34 4.4.Transparency of remittances.34 Annex 1:Targets for the Cross-Border Payments Roadmap.36 Annex 2:Data supporting KPI monitoring.37 Annex 3:Correspondent banking chain.41 i

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1. **整体进展**:2024年跨境支付关键绩效指标(KPIs)显示,全球批发、零售和汇款三大市场 segments 向目标进展有限,区域差异显著。 2. **批发支付**: - 速度:50.6%的支付在1小时内到账(较2023年下降3.2个百分点),主要受SWIFT非营业日定义调整及ISO 20022技术过渡影响。 - 接入:92.4%的国家/地区至少有3家金融机构提供跨境支付服务,无变化。 3. **零售支付**: - 成本:全球平均成本未达1%目标(B2B最低1.6%),24.1%的走廊成本超3%(+0.4pp)。 - 速度:33.5%的支付1小时内到账(-0.7pp),P2P最接近目标(46.4%)。 4. **汇款**: - 成本:USD 200汇款平均成本6.4%(+0.1pp),撒哈拉以南非洲最高(7.7%)。 - 速度:撒哈拉以南非洲62%汇款1小时内到账(+3pp),东亚太平洋地区最慢(47%)。
**跨境支付进展如何?** **成本目标是否达成?** **速度有何变化?**
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