新西兰储备银行研究支付系统面临的问题
2026年8月18日
新西兰储备银行（RBNZ）正在就新西兰现有支付系统面临的问题，以及解决这些问题所需开展的相关工作领域，公开征求意见。
储备银行助理行长 Karen Silk 表示，支付系统是经济运行的核心基础设施，支持整个经济体系中的日常交易。
每年约有2万亿新西兰元的零售支付资金在新西兰各银行之间流动。
鉴于支付系统规模庞大，即使是效率方面的小幅改善，也可能提高新西兰整体生产力、增强本地企业的国际竞争力，并提升经济韧性。反过来，一个过时的支付系统也可能限制经济增长。
Silk 女士表示：“新西兰的零售支付系统在运营方面是可靠的，但已经过时，无法达到现代化、更快速零售支付系统的国际最佳实践标准。我们已经落后于全球标准，面临基础设施陈旧、现代支付功能有限以及创新不足等问题。”
财政部长已经批准由新西兰储备银行牵头制定新西兰支付系统现代化战略，并与相关政府机构以及行业参与者开展合作。
这一安排反映出，支付系统的发展与储备银行在货币政策和金融稳定方面的职责、结算业务以及更广泛的央行政策职能之间存在密切联系。
两条工作路线推进支付系统现代化
储备银行已经设立两条工作路线，推动支付系统现代化：
第一条工作路线将研究实现支付基础设施现代化所需要的技术要求，并为未来不同方案的制定提供依据。
第二条工作路线则重点研究零售支付系统的战略领导、监管协调以及系统治理改革。
目前需要考虑的核心战略问题包括：
新西兰是否应该继续采取渐进式改革，还是应该对现有支付基础设施进行结构性现代化改革？
后者的目标是建立长期发展能力，并进一步增强支付系统的韧性。
加强与行业合作
Silk 表示，与支付行业建立密切合作关系，是这一现代化计划取得成功的关键。
她说：“我们无法单独完成这项工作。我们将与其他政府机构合作，与企业、支付行业以及其他相关利益方密切沟通，共同确定新西兰支付系统未来的发展方向，并实现更广泛的公共利益目标。”
公众可提交意见
储备银行发布的《问题文件》（Issues Paper）将进行为期10周的公众咨询。
所有关注新西兰支付系统未来发展的个人和机构，都可以提交意见。
意见提交截止日期为2026年10月27日。
Silk 表示，在《问题文件》咨询结束后，储备银行将分析收到的意见和建议，并向部长提交关于下一阶段工作及改革方案的政策建议。
预计这项工作将在2027年上半年完成。
除方案文件外，政府还将制定一份支付系统现代化路线图（roadmap）和商业案例（business case）。
未来拟议的职责分工、政策选择以及支付系统现代化方案，还将通过后续公众咨询进一步讨论。
这一政策制定过程也将包括成本效益分析（cost-benefit analysis）。
支付系统现代化公众说明会
储备银行将于8月24日星期一上午11时举行一场公开网络研讨会，由储备银行政策工作人员介绍《问题文件》的主要内容。
有兴趣参加的人士，可以通过电子邮件联系 Future of Money and Payments。
RBNZ explores issues facing New Zealand’s payments system
18 August 2026
We are seeking feedback on the issues we have identified with our payments system, and the proposed areas of work needed to address these.
Assistant Governor Karen Silk says payment systems are core economic infrastructure and enable everyday transactions across the economy. Around $2 trillion of retail payments flow between New Zealand banks annually. Given the scale of payments systems, even small improvements in their efficiency can lift national productivity, enhance the global competitiveness of local businesses, and strengthen our economic resilience. Conversely, an outdated system can constrain economic growth.
“New Zealand’s retail payments system is operationally reliable, but is outdated, and does not meet international best practice for modern, faster retail payment systems. We have fallen behind global standards, with outdated infrastructure, limited modern payment capabilities, and insufficient innovation,” Ms Silk says.
The Minister of Finance has endorsed the Reserve Bank to lead the delivery of a strategy for payments modernisation in New Zealand, in coordination with key agencies and industry participants. This reflects the close alignment between payment system outcomes and RBNZ’s monetary and financial stability mandates, settlement operations, and our wider central bank policy interests.
We have set up 2 workstreams to progress payments modernisation:
- The first workstream will examine the technical requirements needed to modernise payments infrastructure and will inform the development of future options.
- A separate workstream focuses on reforming strategic leadership, regulatory coordination and system governance, across the retail payments system.
Key strategic questions include whether to continue pursuing incremental reform or to undertake structural modernisation of the underlying payments infrastructure to build long-term capability and strengthen resilience.
A close working relationship with industry will be fundamental to the success of this initiative, Ms Silk says.
“We cannot do this alone and, in partnership with other government agencies, are committed to working closely with businesses, the payments industry and other interested stakeholders to shape the future direction for New Zealand’s payments system and meet broader public interest objectives.”
The Issues Paper consultation will be open for 10 weeks. Feedback is welcomed from all those with an interest in the future of the payments system until 27 October 2026.
“Following the Issues Paper consultation, we will analyse submissions and provide Ministers with advice on options for future work and reform. We expect this to be completed in the first half of next year,” Ms Silk says.
A proposed roadmap and business case will be developed in addition to the options paper. Proposed roles and responsibilities, and payments modernisation policy options will be subject to a subsequent public consultation as part of the policy development process, including cost benefit analysis.
More information
- Modernising New Zealand’s retail payment system (PDF, 779 KB)
- Have your say on the future of payments
Payments modernisation webinar
We will be hosting a public webinar at 11am on Monday 24 August to discuss our issues paper with RBNZ policy staff. Please let us know if you are interested in attending by emailing Future of Money and Payments.
