Platební systémy v Evropské unii

Abstract

Financial sector has no small part in the whole economic. Current state of using financial services in the European Union has become more efficient and harmonised than in the nineties of the 20th century. Payment systems play significant role in the financial integration of the EU. The main objective of this Diploma Thesis is to, by using the methods of deduction, comparison and using the heuristic, statistical and chronological methods, analyse and evaluate the level of the current integration of the payment systems in the EU according to the choosen indicators of the ammount and the value of the payments realized throught the large-value payment system based on the real-time gross settlement of the payments called TARGET and through the single euro payment area called SEPA. The main hypothesis of the Diploma Thesis is that the integration of the payment systems in the European Union is on a high level. It was necessary to make the common framework for the writing Diploma Thesis which includes definitions of the financial system and the financial markets, payments and the payments systems, financial integration and integration of the payments systems of the EU.