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FORMATION OF THE NATIONAL PAYMENT SYSTEM AS ONE OF DIRECTIONS OF ECONOMIC SECURITY OF THE STATE
The process of development a market economy requires a corresponding payment system, which allows to carry out calculations in the national economy in accordance with generally accepted international standards. Today, the problem of formation of the national payment system in our country is very relevant. This is associated with the fact that the financial instability is possible in the global market, the US penal sanctions against Russian citizens, the termination of commitments implementation of VISA and MasterCard, taken in front of Russian clients, these and many other reasons may hinder the development of our economy. In this regard in the foreground the reliability, security, as well as the urgency of the payment. National payment system, which comes into contact with all aspects of the economic activity of the state, is today a strategically important channel, making possible accurate and qualitative carrying out of financial transactions. In connection with the development of scientific and technical progress payment and settlement systems have undergone significant changes. The aim of the NPC is to ensure efficient and reliable operation of the NPC entities to meet current and future needs of the national economy in payment services, including the implementation of monetary policy, to ensure financial stability, improve the quality, availability and security of payment services. The effectiveness of the functioning of payment and settlement systems of the country is determined by the correct formulation of system tasks, its technical support and technological excellence, application of new payment instruments. In addition, increase in the share held by cross-border payments, the responsibility for which lies also at payment systems. With the help of NPC generated total demand for money in the economy and public confidence in the national currency is supported as a means of payment. On this basis, the main objective of this work is to identify the key challenges of creating NPCs and identify measures that will reduce the impact on the Russian economy.
payment system; economic security; bank cards; financial instability; financial security
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