【摘要】：在我國(guó)大力推動(dòng)人民幣國(guó)際化的大背景下，國(guó)務(wù)院于2008年推出跨境貿(mào)易人民幣結(jié)算試點(diǎn)業(yè)務(wù)，，短短四年的時(shí)間里，業(yè)務(wù)試點(diǎn)區(qū)域擴(kuò)展至全國(guó)、業(yè)務(wù)領(lǐng)域從貨物貿(mào)易拓展至經(jīng)常項(xiàng)目及部分資本項(xiàng)目，政策步伐不斷加快。在市場(chǎng)層面，跨境人民幣業(yè)務(wù)得到了銀行和企業(yè)的積極響應(yīng)，業(yè)務(wù)量飛速發(fā)展，伴隨著人民幣資金的流出，在香港、新加坡、倫敦等主要國(guó)際金融市場(chǎng)出現(xiàn)了初具規(guī)模的離岸人民幣市場(chǎng)。本文就是在此背景下，分析跨境人民幣業(yè)務(wù)的特點(diǎn)與問(wèn)題，探討商業(yè)銀行在跨境人民幣業(yè)務(wù)領(lǐng)域所面臨的機(jī)遇與挑戰(zhàn)。 本文首先對(duì)現(xiàn)有的跨境人民幣業(yè)務(wù)體系進(jìn)行了梳理，對(duì)跨境人民幣業(yè)務(wù)的內(nèi)涵進(jìn)行了擴(kuò)展，并對(duì)我國(guó)推動(dòng)跨境人民幣業(yè)務(wù)的背景及意義進(jìn)行了探討。后續(xù)本文通過(guò)對(duì)跨境人民幣業(yè)務(wù)數(shù)據(jù)進(jìn)行分析后，總結(jié)出現(xiàn)階段跨境人民幣業(yè)務(wù)發(fā)展面臨著境外人民幣流通有限、地域發(fā)展不平衡、投資渠道狹窄、科技系統(tǒng)不發(fā)達(dá)等問(wèn)題。但同時(shí)，文章分析認(rèn)為我國(guó)發(fā)展跨境人民幣業(yè)務(wù)的宏觀經(jīng)濟(jì)和金融市場(chǎng)條件已經(jīng)具備，各項(xiàng)制度和基礎(chǔ)設(shè)施條件也在不斷完善中，跨境人民幣業(yè)務(wù)會(huì)逐步發(fā)展成為國(guó)際業(yè)務(wù)的熱點(diǎn)領(lǐng)域。因此，雖然跨境人民幣業(yè)務(wù)現(xiàn)時(shí)還面臨諸多發(fā)展瓶頸，但是商業(yè)銀行作為金融市場(chǎng)的主要參與者，對(duì)待跨境人民幣業(yè)務(wù)既不能過(guò)于悲觀、也不能盲目樂(lè)觀，而應(yīng)該努力把握業(yè)務(wù)機(jī)遇，積極應(yīng)對(duì)市場(chǎng)挑戰(zhàn)，認(rèn)真做好跨境人民幣業(yè)務(wù)發(fā)展戰(zhàn)略部署和戰(zhàn)術(shù)規(guī)劃，否則將在激烈的國(guó)際業(yè)務(wù)競(jìng)爭(zhēng)中面臨落后的局面。 最后，本文對(duì)商業(yè)銀行發(fā)展跨境人民幣業(yè)務(wù)給出了具體建議，包括夯實(shí)客戶(hù)基礎(chǔ)、結(jié)合新興市場(chǎng)打造跨境人民幣全產(chǎn)品鏈、完善跨境人民幣經(jīng)營(yíng)管理體制以及強(qiáng)化合規(guī)管理等發(fā)展建議，內(nèi)容涵蓋了從經(jīng)營(yíng)策略到具體業(yè)務(wù)產(chǎn)品。這些意見(jiàn)與建議對(duì)商業(yè)銀行大力發(fā)展跨境人民幣業(yè)務(wù)、不斷深化國(guó)際化經(jīng)營(yíng)具有重要的應(yīng)用價(jià)值。
[Abstract]:Against the background of China's efforts to promote the internationalization of the renminbi, the State Council launched the cross-border trade RMB settlement pilot business in 2008. In just four years, the business pilot area was extended to the whole country. Business areas from trade in goods to the current account and part of the capital account, the pace of policy accelerated. At the market level, cross-border RMB business has received positive responses from banks and enterprises. With the rapid development of business volume, with the outflow of RMB funds, in Hong Kong and Singapore, London and other major international financial markets have emerged the initial scale of the offshore renminbi market. Under this background, this paper analyzes the characteristics and problems of cross-border RMB business, and probes into the opportunities and challenges faced by commercial banks in the field of cross-border RMB business. This paper firstly combs the existing cross-border RMB business system, expands the connotation of cross-border RMB business, and discusses the background and significance of promoting cross-border RMB business in China. After analyzing the data of cross-border RMB business, this paper concludes that the development of cross-border RMB business is faced with the problems of limited circulation, unbalanced regional development, narrow investment channels and underdeveloped science and technology system. But at the same time, the article analyzes and thinks that the macroeconomic and financial market conditions for the development of cross-border RMB business in China are already in place, and various systems and infrastructure conditions are also being continuously improved. Cross-border RMB business will gradually develop into a hot area of international business. Therefore, although cross-border RMB business is still facing many bottlenecks, commercial banks, as the main participants in the financial market, should not be too pessimistic or blindly optimistic about cross-border RMB business. We should try our best to grasp the business opportunity, actively deal with the market challenge, and make the strategic arrangement and tactical plan of cross-border RMB business development seriously, otherwise, we will face the backward situation in the fierce international business competition. Finally, this paper gives some concrete suggestions for commercial banks to develop cross-border RMB business, including strengthening the customer base and building the whole product chain of cross-border RMB in combination with emerging markets. Development suggestions for improving cross-border RMB management system and strengthening compliance management cover everything from business strategy to specific business products. These suggestions and suggestions have important application value for commercial banks to develop cross-border RMB business and deepen international operation.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前9條

1 吳博;;商業(yè)銀行跨境人民幣業(yè)務(wù)發(fā)展和創(chuàng)新展望[J];銀行家;2011年03期

2 裴長(zhǎng)洪;;國(guó)際貨幣體系改革與人民幣國(guó)際地位[J];國(guó)際貿(mào)易;2010年06期

3 王信;;發(fā)展香港人民幣離岸市場(chǎng),促進(jìn)上海金融中心建設(shè)[J];國(guó)際貿(mào)易;2010年06期

4 張大龍;;我國(guó)跨境貿(mào)易人民幣結(jié)算業(yè)務(wù)發(fā)展研究[J];金融會(huì)計(jì);2011年01期

5 潘成夫;;跨境貿(mào)易人民幣結(jié)算的突破、影響與前景[J];金融與經(jīng)濟(jì);2009年08期

6 陳瑩;;跨境貿(mào)易人民幣結(jié)算的收益成本分析[J];金融發(fā)展研究;2010年08期

7 陳紅泉;;擴(kuò)大跨境貿(mào)易人民幣結(jié)算:意義、問(wèn)題與對(duì)策[J];深圳大學(xué)學(xué)報(bào)(人文社會(huì)科學(xué)版);2011年01期

8 胡曉煉;;市場(chǎng)驅(qū)動(dòng) 順勢(shì)而為 扎實(shí)推進(jìn)人民幣跨境業(yè)務(wù)開(kāi)展[J];中國(guó)金融;2010年17期

9 連平;;人民幣升值:緩則圓[J];中國(guó)外匯;2010年11期

本文編號(hào)：2425929