本文選題：跨境人民幣結(jié)算 + 模糊綜合評(píng)價(jià)法��； 參考：《哈爾濱工程大學(xué)》2012年碩士論文

【摘要】：自20世紀(jì)七十年代，布雷頓森林體系瓦解以后，美元作為國際貨幣的壟斷統(tǒng)治權(quán)逐步削弱、日元國際化的開展以及歐元作為國際貨幣登上舞臺(tái)，使歐美經(jīng)濟(jì)學(xué)家對(duì)國際貿(mào)易結(jié)算貨幣的選擇理論產(chǎn)生了興趣。隨著人民幣國際化的呼聲日益高漲，跨境貿(mào)易人民幣結(jié)算逐步登上跨境結(jié)算市場，跨境貿(mào)易人民幣結(jié)算是指在國際貿(mào)易中，貿(mào)易雙方進(jìn)行貨物及服務(wù)交易時(shí)，在自愿的基礎(chǔ)上以人民幣作為計(jì)價(jià)貨幣的跨境貿(mào)易計(jì)價(jià)及結(jié)算�？缇迟Q(mào)易人民幣結(jié)算試點(diǎn)推行之前，我國國內(nèi)也有了不少關(guān)于人民幣國際結(jié)算貨幣化以及人民幣國際化的研究。 本文借助跨境貿(mào)易結(jié)算貨幣選擇理論，選擇HJS銀行作為研究案例樣本，結(jié)合有關(guān)詳實(shí)數(shù)據(jù)資料。通過基于HJS銀行的跨境貿(mào)易人民幣結(jié)算業(yè)務(wù)現(xiàn)狀的分析，，可以發(fā)現(xiàn)雖然HJS銀行在這項(xiàng)業(yè)務(wù)開展過程中有著其自身存在的優(yōu)勢，但是仍主要以傳統(tǒng)的風(fēng)險(xiǎn)防控措施作為跨境人民幣結(jié)算業(yè)務(wù)的防范手段，缺乏能夠有效判斷內(nèi)外部環(huán)境變化因素影響的有效風(fēng)險(xiǎn)評(píng)價(jià)體系指導(dǎo)業(yè)務(wù)發(fā)展和業(yè)務(wù)發(fā)展環(huán)境監(jiān)控小組等常態(tài)化業(yè)務(wù)風(fēng)險(xiǎn)機(jī)制和機(jī)構(gòu)。此外，客戶對(duì)象管理的風(fēng)險(xiǎn)、銀行內(nèi)部管理的風(fēng)險(xiǎn)、境外合作銀行管理的風(fēng)險(xiǎn)隱患均有存在。 論文中運(yùn)用經(jīng)濟(jì)學(xué)與金融學(xué)、管理學(xué)相關(guān)理論對(duì)HJS銀行跨境人民幣結(jié)算業(yè)務(wù)經(jīng)營風(fēng)險(xiǎn)進(jìn)行分析，綜合采用層次分析法、模糊綜合評(píng)價(jià)法等研究方法，通過確認(rèn)指標(biāo)、賦予指標(biāo)權(quán)重等研究步驟，建構(gòu)了HJS銀行跨境人民幣結(jié)算業(yè)務(wù)經(jīng)營的風(fēng)險(xiǎn)評(píng)價(jià)模型。應(yīng)用此評(píng)價(jià)模型，通過貨幣政策、匯率政策和財(cái)政政策三個(gè)方面進(jìn)行數(shù)據(jù)的收集分析，并按照風(fēng)險(xiǎn)評(píng)價(jià)體系的程序進(jìn)行風(fēng)險(xiǎn)值的計(jì)算，對(duì)獲得的定量數(shù)據(jù)進(jìn)行處理、并將定性數(shù)據(jù)按照等級(jí)分值定量化，對(duì)最終獲得的結(jié)果數(shù)據(jù)進(jìn)行等級(jí)劃分。 在建立HJS銀行跨境人民幣結(jié)算業(yè)務(wù)經(jīng)營風(fēng)險(xiǎn)評(píng)級(jí)模型基礎(chǔ)上，有針對(duì)性的提出若干建議，完善HJS銀行該項(xiàng)業(yè)務(wù)經(jīng)營風(fēng)險(xiǎn)評(píng)價(jià)體系。首先，加強(qiáng)銀行跨境貿(mào)易人民幣結(jié)算業(yè)務(wù)風(fēng)險(xiǎn)防范的組織建設(shè)；其次，加強(qiáng)HJS銀行跨境貿(mào)易人民幣結(jié)算業(yè)務(wù)的制度建設(shè)；最后，建議HJS銀行加強(qiáng)自身管理保障體系實(shí)施。
[Abstract]:Since the collapse of the Bretton Woods system in the 1970s, the monopoly of the United States dollar as an international currency has gradually weakened, the yen has been internationalized and the euro has taken the stage as an international currency. So that European and American economists are interested in the theory of the choice of currency for international trade settlement. With the growing demand for RMB internationalization, RMB settlement for cross-border trade has gradually climbed into the cross-border settlement market. In international trade, RMB settlement means that when both sides of the trade are engaged in goods and services transactions, Cross-border trade valuation and settlement with RMB as currency on a voluntary basis. Before the pilot implementation of RMB settlement for cross-border trade, there are many studies on RMB international settlement monetization and RMB internationalization in China. Based on the theory of currency selection in cross-border trade settlement, this paper selects HJS Bank as a case study sample, and combines relevant detailed data. Through the analysis of the current situation of cross-border trade RMB settlement business based on HJS Bank, we can find that although HJS Bank has its own advantages in the process of carrying out this business, However, the traditional risk prevention and control measures are still mainly used as a means of prevention for cross-border RMB settlement business. There is a lack of effective risk evaluation system which can effectively judge the influence of internal and external environmental factors to guide business development and business development environment monitoring group and other regular business risk mechanisms and institutions. In addition, the risk of customer object management, the risk of bank internal management, and the risk hidden danger of foreign cooperative bank management all exist. In this paper, the risk of cross-border RMB settlement business of HJS bank is analyzed by using the theories of economics, finance and management. The analytic hierarchy process (AHP) and fuzzy comprehensive evaluation method are used to confirm the index. The risk evaluation model of cross-border RMB settlement business of HJS bank is constructed by giving index weight and other research steps. Using this evaluation model, through the monetary policy, exchange rate policy and fiscal policy three aspects of data collection and analysis, and according to the procedures of the risk evaluation system to calculate the risk value, to process the obtained quantitative data. The qualitative data are quantified according to the grade score, and the final result data are graded. On the basis of establishing the risk rating model of cross-border RMB settlement business of HJS Bank, this paper puts forward some suggestions to perfect the risk evaluation system of this business in HJS Bank. First, strengthen the risk prevention organization construction of cross-border trade RMB settlement business; secondly, strengthen the HJS bank cross-border trade RMB settlement business system construction; finally, suggest that HJS bank strengthen its own management and security system implementation.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.6;F832.2

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本文編號(hào)：1967161