本文關(guān)鍵詞： 人民幣國際化 商業(yè)銀行 跨境人民幣業(yè)務(wù) 發(fā)展策略　出處：《復(fù)旦大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：目前,跨境人民幣業(yè)務(wù)研究較多從宏觀和微觀角度進(jìn)行,較少從商業(yè)銀行角度開展。本文試圖從商業(yè)銀行經(jīng)營發(fā)展角度,在分析商業(yè)銀行跨境人民幣業(yè)務(wù)所面臨的環(huán)境、機(jī)遇和挑戰(zhàn)以及影響因素的基礎(chǔ)上,通過一個(gè)完整框架更好地分析商業(yè)銀行跨境人民幣業(yè)務(wù)的整體業(yè)務(wù)模式、產(chǎn)品創(chuàng)新重點(diǎn)領(lǐng)域、面臨風(fēng)險(xiǎn)和發(fā)展趨勢,繼而提出商業(yè)銀行發(fā)展跨境人民幣業(yè)務(wù)的具體策略。 本文首先從政策演進(jìn)出發(fā),對商業(yè)銀行跨境人民幣業(yè)務(wù)發(fā)展的歷程、機(jī)遇和挑戰(zhàn)進(jìn)行研究。通過理論和實(shí)踐相結(jié)合,分析商業(yè)銀行跨境人民幣業(yè)務(wù)發(fā)展的影響因素。從宏觀層面來看,人民幣的可接受度、我國經(jīng)濟(jì)實(shí)力、國際貿(mào)易規(guī)模、人民幣幣值穩(wěn)定性、人民幣升值預(yù)期、人民幣跨境流通渠道等因素的影響較為突出。從微觀角度來看,企業(yè)和非居民的需求是業(yè)務(wù)發(fā)展的主要?jiǎng)恿?商業(yè)銀行自身經(jīng)營能力是重要輔助。同時(shí),本文運(yùn)用實(shí)證分析的方法,對商業(yè)銀行跨境人民幣業(yè)務(wù)影響因素進(jìn)行研究,運(yùn)用比較分析的方法,結(jié)合主要商業(yè)銀行業(yè)務(wù)實(shí)踐,對跨境人民幣業(yè)務(wù)進(jìn)行分析,為策略研究提供理論和實(shí)踐依據(jù)。 商業(yè)銀行人民幣跨境業(yè)務(wù)具有規(guī)避風(fēng)險(xiǎn)、手續(xù)便捷、加強(qiáng)人民幣資產(chǎn)配置、獲取人民幣升值收益等多方面優(yōu)勢。面對企業(yè)和非居民的具體業(yè)務(wù)需求,商業(yè)銀行在人民幣國際化的整體政策框架下,針對人民幣跨境結(jié)算、貿(mào)易融資、跨境投融資、跨境金融服務(wù)等方面提供了多種多樣的產(chǎn)品和服務(wù)。本文對上述業(yè)務(wù)模式進(jìn)行了深入分析,重點(diǎn)針對當(dāng)前人民幣中長期升值預(yù)期這一重要影響因素,對跨境人民幣業(yè)務(wù)主要?jiǎng)?chuàng)新產(chǎn)品進(jìn)行了研究,同時(shí)分析商業(yè)銀行跨境人民幣業(yè)務(wù)所面臨的風(fēng)險(xiǎn),并對該項(xiàng)業(yè)務(wù)未來發(fā)展趨勢進(jìn)行了展望。 在以上分析基礎(chǔ)上,本文從商業(yè)銀行跨境人民幣業(yè)務(wù)定位、產(chǎn)品創(chuàng)新、營銷推進(jìn)、風(fēng)險(xiǎn)管理等方面,形成了商業(yè)銀行跨境人民幣業(yè)務(wù)發(fā)展的具體策略,以期對商業(yè)銀行的實(shí)踐提供一定借鑒。面對人民幣國際化、匯率形成機(jī)制改革、利率市場化、金融脫媒等足以深刻影響商業(yè)銀行經(jīng)營模式和盈利基礎(chǔ)的重要外部環(huán)境因素,具備一定經(jīng)營實(shí)力的商業(yè)銀行要從轉(zhuǎn)型發(fā)展的角度出發(fā),高度重視跨境人民幣業(yè)務(wù)發(fā)展,在資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)、中間業(yè)務(wù)、金融服務(wù)業(yè)務(wù)等主要經(jīng)營領(lǐng)域?qū)⒖缇橙嗣駧艠I(yè)務(wù)與傳統(tǒng)業(yè)務(wù)有機(jī)結(jié)合,在風(fēng)險(xiǎn)可控的前提下,圍繞人民幣跨境投融資、離岸人民幣業(yè)務(wù)、人民幣國際定價(jià)等核心要素,緊密結(jié)合區(qū)域經(jīng)濟(jì)特點(diǎn)和客戶需求,積極開展人民幣產(chǎn)品與服務(wù)創(chuàng)新,在人民幣國際化發(fā)展中搶占先機(jī),贏得業(yè)務(wù)優(yōu)勢地位。
[Abstract]:At present, the research of cross-border RMB business is more from the macro and micro perspective, less from the perspective of commercial banks. Based on the analysis of the environment, opportunities, challenges and influencing factors of cross-border RMB business of commercial banks, the overall business model of cross-border RMB business of commercial banks is better analyzed through a complete framework. The key areas of product innovation are facing risks and development trends, and then the specific strategies for commercial banks to develop cross-border RMB business are put forward. This paper starts from the evolution of policy, studies the development course, opportunities and challenges of cross-border RMB business of commercial banks, and combines theory with practice. This paper analyzes the factors influencing the development of cross-border RMB business of commercial banks. From the macro level, the acceptability of RMB, the economic strength of our country, the scale of international trade, the stability of RMB currency, and the expectation of RMB appreciation are discussed. From the micro point of view, the demand of enterprises and non-residents is the main driving force of business development, and the commercial banks' own management ability is an important auxiliary. This paper uses the method of empirical analysis to study the influencing factors of cross-border RMB business of commercial banks, using the method of comparative analysis, combined with the business practice of major commercial banks, to analyze cross-border RMB business. To provide theoretical and practical basis for strategy research. RMB cross-border business of commercial banks has many advantages, such as avoiding risks, convenient procedures, strengthening the allocation of RMB assets, obtaining the gains of RMB appreciation, and so on. In the face of the specific business needs of enterprises and non-residents. Under the overall policy framework of RMB internationalization, commercial banks aim at RMB cross-border settlement, trade financing, cross-border investment and financing. Cross-border financial services and other aspects provide a variety of products and services. This paper analyzes the business model in depth, focusing on the current expectation of long-term appreciation of the RMB as an important factor. This paper studies the main innovative products of cross-border RMB business, analyzes the risks faced by commercial banks in cross-border RMB business, and looks forward to the future development trend of this business. On the basis of the above analysis, this paper forms the specific strategy of cross-border RMB business development of commercial banks from the commercial bank cross-border RMB business positioning, product innovation, marketing promotion, risk management and other aspects. In order to provide certain reference to the practice of commercial banks, facing the internationalization of RMB, exchange rate formation mechanism reform, interest rate marketization. Financial disintermediation and other important external environmental factors which can profoundly affect the business model and profit basis of commercial banks. Commercial banks with certain operational strength should start from the perspective of transformation and development. Attach great importance to the development of cross-border RMB business, in the asset business, liability business, intermediate business, financial services business and other major areas of business, cross-border RMB business and traditional business organic integration. Under the premise of controllable risk, the core elements of RMB cross-border investment and financing, offshore RMB business and RMB international pricing are closely combined with the characteristics of regional economy and customer demand. Actively carry out RMB product and service innovation, in the RMB internationalization development preemptive, wins the service superiority position.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 中國人民銀行上�？偛空n題組;鄭楊;張啟勝;周鵬;;跨境人民幣融資問題研究[J];上海金融;2011年03期

，

本文編號：1488861