3.8.5 实时总结算 Real‑time gross settlement (RTGS)
银行也可以代表自己、代表客户和其他大型机构使用电子清算和结算系统。
Banks, on their own behalf and on behalf of their customers and other large institutions, can also access electronic clearing and settlement systems.
一个例子是英国的CHAPS（清算机构自动支付系统）。CHAPS支付系统由律所等使用，以便在完成房产购买时付款。CHAPS在成员银行之间提供当日安全、安全的英镑或欧元资金电子转账服务，这项服务称为RTGS。
An example is the UK‑based CHAPS (Clearing House Automated Payment System). The CHAPS payment system is used by, among others, solicitors to make payments when a property purchase is completed. CHAPS provides a same‑day, secure electronic transfer of funds in either pounds sterling or euro between member banks, a service known as RTGS.
REAL‑TIME GROSS SETTLEMENT (RTGS)
一种支付系统，以电子方式，实时（即时）和一对一的方式在银行之间转移和结算付款。
A payment system that transfers and settles payments between banks electronically, in real time (instantaneously) and on a one‑to‑one basis.
通过 SWIFT 报文或 RTGS 系统进行的付款是无法收回的。一旦发送，即使它们被错误发送，也不能提取或取消，除非收件人同意退还款项
Payments made either via SWIFT messages or by RTGS systems are irrecoverable. They cannot be withdrawn or cancelled once sent, even if they have been sent in error, unless the recipient agrees to return the money
TARGET2在欧盟提供了一个直接的支付平台，成员国没有自己的RTGS系统也能参与。
TARGET2 provides a direct payment platform in the EU without the involvement of the member country’s own RTGS systems.