THE PAYMENT SYSTEM OF THE CENTRAL BANK OF RUSSIA

The paper is devoted to the issues of the legal regulation of the payment system of the Bank of Russia. The paper highlights that the payment system of the Bank of Russia is the central element of the national payment system, which is predetermined by the total amount of funds transferred through this system, its role in maintaining the stability of the national payment system and provision of cashless payments. On the basis of the study, the author determines the elements (subsystems) that together constitute the payment system of the Bank of Russia. The paper analyzes peculiarities of the payment system organization and functioning that cover the regulatory consolidation of the rules of the payment system, the combination of the functions of the payment system operator, money transfer operator and operator of the payment infrastructure implemented by the Central Bank of the Russian Federation, the use of a whole range of services to transfer funds, etc. Special attention is given to the upcoming changes in the mechanism of the legal regulation of the payment system of the Bank of Russia that are associated with the adoption of the Provision of the Bank of Russia of July 06, 2017 No. 595-P "On the Payment System of the Central Bank of Russia." It is determined that the new Provision is aimed at modernization of the mechanism of funds transfer by means of introducing a new technology platform, improving the categorical apparatus, expanding the circle of participants of the payment system in question, as well as amending the organization and functioning of the payment system of the Central Bank of Russia that will contribute to the stability of both the payment system of the Central Bank of Russia and the national payment system as a whole. In addition, the paper scrutinizes the system of management and powers of structural subdivisions of the Central Bank of the Russian Federation with regard to the management of the payment system of the Central Bank of Russia and the composition of its participants, analyzes the specifics of transfers, examines the types of payment documents used in fund transfers via various services of the payment system of the Central Bank of Russia, provides statistical data that allow to estimate the role of the payment system of the Central Bank of Russia in the national payment system.

payment system of the Bank of Russia, national payment system, Central Bank of the Russian Federation, BESP, SER, MED, transfer of funds, currency circulation, payment system operator, payment infrastructure

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