【摘要】：我國經(jīng)濟(jì)的快速發(fā)展以及人民幣境外流量逐年的增多,建立人民幣離岸金融中心成為了必然的趨勢(shì)。香港以其優(yōu)越的地理位置、國際金融中心的有利背景、與大陸密切的經(jīng)貿(mào)聯(lián)系、人才優(yōu)勢(shì)等成為我國建立人民幣離岸金融中心的首選地。2003年11月,中國人民銀行發(fā)布公告稱將為香港開辦人民幣業(yè)務(wù)的銀行提供清算服務(wù),人民幣業(yè)務(wù)自此在香港開展。經(jīng)過近十年的發(fā)展,香港的人民幣業(yè)務(wù)已由存款拓寬至貸款及人民幣債券,人民幣存款主體也由香港居民逐步向非香港居民放開。 香港人民幣離岸金融中心對(duì)內(nèi)地經(jīng)濟(jì)產(chǎn)生了巨大的影響,而這些影響與香港人民幣離岸金融中心的發(fā)展,即監(jiān)管機(jī)構(gòu)、監(jiān)管規(guī)則以及開辦的業(yè)務(wù)有著密切的關(guān)聯(lián),本文從以上三點(diǎn)出發(fā)分析具體的影響。人民幣離岸金融中心的建立發(fā)展會(huì)使貨幣政策的效力在一定程度上受到削弱,香港與內(nèi)地形成的兩種利率與匯率會(huì)引發(fā)投機(jī)行為,也為金融監(jiān)管造成更大的挑戰(zhàn)；但是另一方面,人民幣國際化步伐會(huì)加快,我國的企業(yè)可以更快更好地“走出去”,貿(mào)易也會(huì)得到發(fā)展。面對(duì)利弊兩方面的影響,人民幣離岸金融市場(chǎng)需要進(jìn)一步拓寬業(yè)務(wù)范圍,發(fā)展債市、人民幣貸款業(yè)務(wù),開放股市,推動(dòng)人民幣的可自由兌換；我國要加快利率與匯率制度的改革,加強(qiáng)金融監(jiān)管,保證市場(chǎng)正常、有序、穩(wěn)定運(yùn)轉(zhuǎn),并輔以政策制度的支持。
[Abstract]:With the rapid development of China's economy and the increase of RMB overseas flow year by year, the establishment of RMB offshore financial center has become an inevitable trend. Hong Kong has become the first choice for the establishment of RMB offshore financial center in China because of its superior geographical position, favorable background of international financial center, close economic and trade ties with mainland China and talent advantage. In November 2003, the people's Bank of China announced that it would provide clearing services for banks operating RMB business in Hong Kong, and RMB business has been carried out in Hong Kong since then. After nearly a decade of development, the RMB business in Hong Kong has expanded from deposits to loans and RMB bonds, and the main body of RMB deposits has been gradually liberalized from Hong Kong residents to non-Hong Kong residents. The offshore financial center of RMB in Hong Kong has a great impact on the mainland economy, and these effects are closely related to the development of RMB offshore financial center in Hong Kong, that is, regulators, regulatory rules and business. This paper analyzes the specific impact from the above three points. The establishment and development of RMB offshore financial center will weaken the effectiveness of monetary policy to a certain extent. The two kinds of interest rates and exchange rates formed in Hong Kong and the mainland will cause speculation and greater challenges to financial supervision. On the other hand, the pace of RMB internationalization will accelerate, Chinese enterprises can "go out" faster and better, and trade will also be developed. Facing the influence of advantages and disadvantages, RMB offshore financial market needs to further broaden its business scope, develop bond market, RMB loan business, open up the stock market and promote the free convertibility of RMB. China should speed up the reform of interest rate and exchange rate system, strengthen financial supervision, ensure the normal, orderly and stable operation of the market, supplemented by the support of policy and system.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.7

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本文編號(hào)：2505769