针对银行间支付系统高峰时业务量高有可能导致单一清算账户成为热点账户的问题，同时为进一步解决集中账户场景下的支付清算系统分布式架构改造，本文从借贷分离和影子账户两种模式研究分布式记账模型在支付系统中的可行性并在结尾给出了两种模式的对比及在支付系统中的适用场景。
In Payment System, the high traffic volume may lead to the problem that the single settlement account becomes a hot account. At the same time, to further solve the distributed architecture transformation of settlement account system under the centralized account scenario, this paper studies the feasibility of the distributed accounting model in Payment System from two modes: debit and credit separation and shadow account, and gives a comparison and applicable scenarios of the two modes in Payment System at the end.
