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支付系统设计：资金流、信息流、清算、结算
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搞懂支付系统的核心之一就是搞清楚资金流与信息流。在支付系统设计，以及支付渠道、资金托管方案的选取上有重要作用。搞清楚资金流与信息流，也可以方便产品设计人员与财务人员沟通，提早在合规性方面有所准备。 资金流&信息流综述 信息流、资金流是电商兴起后出现的比
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