Group 1 - The core viewpoint of the article is the revision of the "Rules for the Renminbi Cross-Border Payment System (CIPS)" to better accommodate the development needs of CIPS and its participants [2][3] - The revision is necessary to enhance the management mechanism for CIPS participants and to meet the expanding requirements of CIPS business [2][3] - The updated rules aim to ensure the forward-looking and scientific nature of regulatory documents, adapting to the ongoing development and functional upgrades of CIPS [2][3] Group 2 - The revised "Rules for CIPS (Draft for Comments)" consists of six chapters and thirty-one articles [3] - The general provisions clarify the basis for formulation, applicable objects, and business scope [4] - The account management section standardizes the opening of accounts for participants and operating institutions, as well as liquidity management [4] - The business processing section specifies the types of business for participants and regulates actions such as message permission applications and system logins [5] - The settlement mechanism section defines the settlement processes, including queue management and reconciliation [5] - The risk management and emergency response section emphasizes the establishment of emergency mechanisms and backup systems for CIPS operators and participants [5] - The appendix requires CIPS operators to create operational guidelines and agreements with participants, as well as to establish message standards [5]

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（一）更好适应CIPS参与者拓展和管理要求。近年来，随着CIPS业务发展和参与者规模扩 大，《业务规则》相关内容无法有效满足参与者拓展和管理要求。有必要根据CIPS业务发展 实际，对《业务规则》进行修改完善，进一步健全参与者管理机制，有效满足CIPS参与者拓 展需要，提高CIPS参与者管理水平。 （二）更好满足CIPS业务发展的需要。《业务规则》明确了CIPS参与者的账户管理、注资、 资金结算等详细流程。随着CIPS功能和服务的持续优化，有必要调整《业务规则》相关内 容，仅对参与者业务行为提出原则性要求，确保规范性文件的前瞻性和科学性，有效适应 CIPS业务发展和功能升级的需要。 中国人民银行发布关于《人民币跨境支付系统业务规则（征求意见稿）》公开征求意见的通知。 《业务规则》明确了CIPS参与者的账户管理、注资、资金结算等详细流程。随着CIPS功能和服务的 持续优化，有必要调整《业务规则》相关内容，仅对参与者业务行为提出原则性要求，确保规范性 文件的前瞻性和科学性，有效适应CIPS业务发展和功能升级的需要。 《人民币跨境支付系统业务规则（征求意见稿）》起草说明 为适应人民币跨境支付系统（CIPS）业务发展需 ...