中文摘要：

我国社会主义市场经济发展和金融体制改革的深化，迫切需要银行提供更加快捷、高效、安全的支付清算服务。本文基于对美国支付结算体系结构和特点的研究，对我国现行支付系统、支付服务组织、支付工具和支付监管制度取得的成绩和存在的问题进行了探讨，并提出相关的改进建议。

英文摘要：

With the development of economy and deepening of reform in the financial system, we need rapid, efficient and safe payment and settlement service. This paper studied the structure and characteristics of the payment systems in the United States, and discussed the achievement and problems in the China＇s existing payment systems, payment service, payment instruments and monitoring regulations. Finally, we provided some suggestions for the reform of China＇s payment systems.