因此，在地方和联邦票据交换所之间，国内任何银行开出的支票都能很容易地得到处理。

So between the local and Federal Reserve clearing houses, checks drawn on any bank in the country can be easily processed.

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其技术框架，即众所周知的单一欧元支付区(SEPA)正由银行和票据交换所开发，而法律框架也因另一项欧盟指令而开始构建。

The technical framework, known as the Single Euro Payments Area (SEPA), is being developed by Banks and clearing houses.The legal framework meanwhile is being built around another EU directive.

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但是，银行支付系统与票据交换所之间的沟通渠道仍然不畅。

But the plumbing between bank payment systems and clearing houses remains fragmented.

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