The invention discloses a bank payment and settlement simulator, which specifically relates to the technical field of bank payment and settlement. Its technical solution is: comprising a simulation method, which is provided with a data access service layer, a service layer and a display layer, on the registration server of the registration center For the first account registration, the monitoring center collects, monitors and protects the account, monitors the account payment data link, cluster control and fusing, and service call link monitoring; adopts a micro-service integrated development framework for business applications, and The client load is balanced, the log system is formed when the business application is used, the search server is used to search, the log tool is used to print the log, the visualization platform is analyzed, the payment content in the MySQL database is accessed by JPA, and the system message is received through MQ. The invention has beneficial effects Yes: By adopting open technology architecture, Java development language, improving scalability, internal asynchronous processing technology, improving system processing performance, and receiving system messages through MQ.