In the spot market , currencies are bought and sold for immediate delivery , although in practice delivery and payment are completed two day after the agreement to buy and sell , to allow time for cable instructions to be sent to the foreign bank holding the currency concerned to pay it over to the bank nominated by the purchaser 在即期市场上，买卖的货币要马上交割，虽然在实际操作中交割和付款要在买卖协议达成两天之后才能完成，以便流有时间用电报通知有关货币的外国银行支付给买方指定的银行。
The " premium " of 150 basis points is designed to encourage licensed banks in hong kong to manage their interbank liquidity prudently , through imposing a small penal element when they access the discount window . indeed the short term interbank interest rates , under normal circumstances , follow closely those for the us dollar 基本利率升水150基点的目的，是要使寻求贴现窗协助的银行支付一项细小的惩罚性代价，藉以鼓励本港的持牌银行尽量审慎地管理银行同业的流动资金需求。
The system performs the following basic functions in order to meet the requirements : provide security methods for interbank payments through internet , atm , telephone banking service etc . for customers ; provide mechanisms to enable the secure authentication of parties in the transaction ; provide access to multiple bank payment processing systems with one protocol ; transform a payment request into a bank payment transaction ; provide information for audit and control 该系统的主要功能是为用户提供网上支付、 atm 、电话银行等安全支付方式；在交易中提供对交易双方的安全认证方式；支持多种银行支付处理系统；把支付请求转化为银行内部支付交易；提供审计和控制信息。
( 2 ) the comparison of the defrayal and clearing system between china and the oversea four chapters are about the comparison including the introduction of international and oversea system and the comparison between chinese banks and oversea banks represented by american banks ( 2 )国外支付清算体系及与中国银行支付清算体系的比较对国外支付清算体系的介绍及与中国支付清算体系的比较共用了四节，主要介绍国际支付清算及国外银行支付清算体系，并将以美国为代表的支付清算体系与中国银行支付清算体系进行比较。
