Real-time large-value payment system (hereinafter referred to as large-value payment system) is an application system developed and constructed by the People's Bank of China according to the needs of payment and settlement in China, and it deals with large-value credit and emergency small-value credit payment business, credit payment business and instant transfer business between banks in the same city and different places within the People's Bank of China system. In order to meet the needs of social, economic and financial development, give full play to the functions of the central bank, and improve the level of financial services, in June 2000, the People's Bank of China decided to "adjust its positioning, learn from and absorb, improve demand, and accelerate the construction of China's modern payment system". After several years of efforts, China's modern payment system covering the whole country and connecting Hong Kong and Macao has been established, providing a safe and efficient payment and clearing platform for all banking financial institutions and financial markets. As the core and hub of China's payment system, the modern payment system in China is mainly composed of three business systems: large real-time payment system, small batch payment system and national check image exchange system.

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