【摘要】：隨著我國對(duì)外貿(mào)易的發(fā)展及經(jīng)濟(jì)建設(shè)步伐的加快，人民幣參與國際市場交易的需求不斷提升，應(yīng)國際業(yè)務(wù)需求，2009年7月我國正式啟動(dòng)人民幣跨境結(jié)算交易，開啟人民幣國際化的進(jìn)程。伴隨著新興人民幣跨境業(yè)務(wù)的發(fā)展，操作風(fēng)險(xiǎn)與監(jiān)管面臨的問題也隨之而來，面對(duì)跨境業(yè)務(wù)，如何在保證業(yè)務(wù)需求高效高質(zhì)量操作的同時(shí)達(dá)到有效風(fēng)險(xiǎn)防控，將潛在風(fēng)險(xiǎn)降低，發(fā)展經(jīng)濟(jì)同時(shí)防范熱錢流動(dòng)，確�？缇硺I(yè)務(wù)穩(wěn)健發(fā)展成為亟待研究解決的問題。 本文中通過研究跨境人民幣業(yè)務(wù)開立背景、發(fā)展、操作以及風(fēng)險(xiǎn)審核要點(diǎn)，基于實(shí)際操作為出發(fā)，探討在各項(xiàng)環(huán)節(jié)過程中，如何通過改進(jìn)商業(yè)銀行操作流程，改善審核要點(diǎn)完善操作環(huán)節(jié)；通過企業(yè)增強(qiáng)對(duì)外交易自律和交盡職止調(diào)查，增強(qiáng)交易前期的風(fēng)險(xiǎn)防范，降低欺詐風(fēng)險(xiǎn)；通過建議監(jiān)機(jī)構(gòu)改善監(jiān)管平臺(tái)，抓重點(diǎn)信息校驗(yàn)，從而減少數(shù)據(jù)冗余或出現(xiàn)監(jiān)管重疊監(jiān)管遺漏，以提高監(jiān)督效率，從三方入手實(shí)現(xiàn)風(fēng)險(xiǎn)可知風(fēng)險(xiǎn)可控的目的。本文采用案例分析作為研究方法。通過對(duì)匯豐銀行在跨境人民幣業(yè)務(wù)實(shí)際開展操作進(jìn)行分析研究，從體操作過程發(fā)現(xiàn)潛在業(yè)務(wù)風(fēng)險(xiǎn)并探尋有效監(jiān)控方法，從而找到完善風(fēng)控的方式。通過對(duì)不同類型企業(yè)的跨境業(yè)務(wù)開展側(cè)重及業(yè)務(wù)需求，，分析各自的業(yè)務(wù)優(yōu)勢及風(fēng)險(xiǎn)點(diǎn)，研究目前跨境人民幣業(yè)務(wù)風(fēng)控的主要針對(duì)風(fēng)險(xiǎn)點(diǎn)以及實(shí)際操作中存在的不足，探討未來跨境業(yè)務(wù)開展和完善過程中需進(jìn)行改進(jìn)和完善之處。
[Abstract]:With the development of China's foreign trade and the acceleration of economic construction, the demand for RMB to participate in international market transactions is constantly increasing. In response to the international business demand, China officially launched RMB cross-border settlement transactions in July 2009, opening the process of RMB internationalization. With the development of the emerging RMB cross-border business, the problems of operational risk and supervision also follow. In the face of cross-border business, how to achieve effective risk prevention and control while ensuring the efficient and high-quality operation of business demand, reduce the potential risk, develop the economy and prevent the flow of hot money at the same time, and ensure the steady development of cross-border business has become an urgent problem to be studied and solved. In this paper, by studying the background, development, operation and risk audit of cross-border RMB business, based on the actual operation, this paper discusses how to improve the operation links by improving the operation process of commercial banks and improving the audit points, and how to enhance the risk prevention and reduce the risk of fraud by strengthening the self-discipline of foreign transactions and the investigation of due diligence. Through the suggestion that the supervision organization should improve the supervision platform and pay attention to the verification of key information, so as to reduce the data redundancy or the omission of supervision overlap supervision, in order to improve the supervision efficiency, and realize the purpose of risk knowable risk control from three parties. In this paper, case analysis is used as the research method. Through the analysis and research on the actual operation of HSBC in cross-border RMB business, this paper finds out the potential business risk from the process of body operation and explores the effective monitoring methods, so as to find out the way to perfect the risk control. By focusing on the cross-border business and business requirements of different types of enterprises, this paper analyzes their respective business advantages and risk points, studies the risk control of cross-border RMB business mainly aiming at the risk points and the shortcomings existing in the actual operation, and probes into the improvement and improvement in the process of developing and perfecting the cross-border business in the future.
【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
【分類號(hào)】：F832.63

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