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美联储系统宕机 其支付系统服务一度中断
The Federal Reserve system went down and its payment system service was interrupted for a time.

金十數據 ·  {{timeTz}}

原标题:美联储系统宕机,其支付系统服务一度中断

Original title: the Federal Reserve system crashed, and its payment system service was interrupted for a time.

周三,美联储每天执行数百万笔金融交易的支付系统出现了大约4个小时的服务中断,包括自动清算所系统FedACH等十余项美联储业务受到影响。

The Fed's payment system, which executes millions of financial transactions a day, suffered about four hours of service outages on Wednesday, affecting more than a dozen Fed businesses, including the automated clearing house system FedACH.

ACH是处理工资、社会保障福利、退税、公司支付货款和公用事业费用等交易的全美电子转账系统。根据可查到的最新数据,这项商业服务2019年平均每天处理6210万笔交易,平均金额1802美元。

ACH is a nationwide electronic money transfer system that handles payroll, social security benefits, tax rebates, corporate payments, and utility fees. According to the latest available data, the business service processed an average of 62.1 million transactions a day in 2019, with an average value of $1802.

里奇蒙德联储发言人Strader在声明中表示:

Richmond Fed spokesman Strader said in a statement:

“美联储一项操作错误导致数条业务线的服务中断。我们正在恢复服务,并且正在与所有使用美联储金融服务的客户就运行状况进行沟通。”

An operational error by the Federal Reserve led to service disruptions on several lines of business. We are in the process of resuming services and are communicating with all customers using Fed financial services about health. "

Strader拒绝评论中断是由于系统更新还是人为错误造成的。

Strader declined to comment on whether the outage was caused by system updates or human error.

这件事并没有造成过多实际影响,在金融公司内部,交易员保持冷静,仍在处理交易。一位知情人士说,最初的困惑情绪平息了,因为许多人意识到他们没有受到影响。

The incident did not have much practical impact, and within financial companies, traders remained calm and were still processing trades. 'The initial confusion subsided because many people realized they were not affected, 'said a person familiar with the matter.

根据美联储运营的网站,截至当地时间下午15点,处理银行间电子转账的ACH已经恢复正常,但包括央行系统在内的多项服务仍未恢复。

As of 15:00 local time, ACH, which handles electronic interbank transfers, had returned to normal, but a number of services, including the central bank system, had not been restored, according to a website operated by the Fed.

虽然美联储的系统宕机没有持续很长时间,当日内基本都修复了,但服务中断再次引起人们对美国人用来处理付款的关键基础设施的质疑。在此之前,美联储支付系统服务曾在2019年出现过两次重大中断。当时FedWire银行间资金转账服务中断了大约3个小时。美联储将这归咎于“内部技术问题”,但拒绝提供更多细节。

Although the Fed's system outage did not last long and was largely repaired during the day, service disruptions once again raised questions about the critical infrastructure that Americans use to process payments. Prior to that, there were two major disruptions to Fed payment system services in 2019. At that time, FedWire interbank funds transfer service was interrupted for about three hours. The Fed blamed "internal technical problems" but declined to provide further details.

彭博新闻社当时曾根据《信息自由法》寻求有关该事件的更多信息,但理事会拒绝了该请求和随后的上诉。

Bloomberg News sought more information about the incident under the Freedom of Information Act at the time, but the council rejected the request and subsequent appeals.

需要注意的是,此次的系统问题刚好出现在美联储准备承担更多责任之际。美联储正在开发自己的当日结算支付系统FedNow,预计它将与由摩根大通和花旗集团等华尔街银行组织的、于2017年启动的行业运行支付系统直接竞争。

It is important to note that this systemic problem comes at a time when the Fed is preparing to take on more responsibility. The Federal Reserve is developing its own day-to-day settlement payment system, FedNow, which is expected to work with JPMorgan Chase & CoIt competes directly with the industry operating payment system organized by Wall Street banks such as Citigroup Inc and launched in 2017.

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