本文選題：人民幣跨境支付 + 法律規(guī)制�。� 參考：《鄭州大學》2017年碩士論文

【摘要】：亞洲基礎設施投資銀行的建立、人民幣的特別提款權(quán)獲得國際貨幣基金組織的認可以及“一帶一路”戰(zhàn)略的實行都促進了人民幣在國際化的跨境支付中所占比重的提高。我國進出口貿(mào)易和跨境電商的不斷發(fā)展也很大程度上促進了我國人民幣跨境支付的發(fā)展,我國首先在上海自貿(mào)區(qū)中進行了人民幣跨境支付的試點,并獲得了較好的成效,之后逐漸在其他地區(qū)和領域中建立較為完善的人民幣跨境支付系統(tǒng)。隨著人民幣跨境支付應用的越來越廣泛,其法律監(jiān)管問題也要引起各方面的重視。人民幣跨境支付過程中有可能出現(xiàn)各種各樣的問題,這些問題的存在影響著我國人民幣跨境支付的順利進行,所以必須根據(jù)具體情況制定較為完善的法律監(jiān)管策略,有效保證人民幣跨境支付過程中客戶的資金安全和金融市場、外貿(mào)市場的良好發(fā)展。本文主要是對人民幣跨境結(jié)算法律規(guī)制問題進行研究。全文共分四大部分:第一部分是人民幣跨境結(jié)算業(yè)務現(xiàn)狀與法律規(guī)制現(xiàn)狀。首先從實踐方面概述人民幣跨境支付結(jié)算現(xiàn)有的三種常見模式即清算行模式、代理行模式以及人民幣NRA賬戶(境內(nèi)非居民賬戶)模式;其次,對跨境人民幣支付清算的法律規(guī)制現(xiàn)狀進行一個分析,從跨境人民結(jié)算幣業(yè)務的法律制度框架以及監(jiān)管框架兩個角度提出了跨境人民幣結(jié)算業(yè)務的法律規(guī)制現(xiàn)狀;然后,對跨境支付機構(gòu)開展支付業(yè)務的法規(guī)進行分析。第二部分是跨境人民幣結(jié)算業(yè)務法律規(guī)制問題部分。首先,從人民幣跨境結(jié)算業(yè)務的監(jiān)管機構(gòu)的法律制度方面和支付機構(gòu)的管理制度兩個方面提出了跨境人民幣結(jié)算業(yè)務法律規(guī)制存在的問題;其次,對上述法律規(guī)制問題出現(xiàn)的原因進行詳細的分析。第三部分是相關國家和國際組織的跨境支付法律監(jiān)管模式分析。主要是對美國電子支付與結(jié)算監(jiān)管體系、英國跨境支付系統(tǒng)的監(jiān)管、日本跨境支付機構(gòu)的監(jiān)管進行研究分析、歐盟電子支付服務提供商的監(jiān)管模式。第四部分是完善人民幣跨境結(jié)算法律規(guī)制的思考。主要是從建立以支付與結(jié)算為核心的監(jiān)管框架、加強跨境支付國家間監(jiān)管協(xié)作以及跨境支付監(jiān)管應與貨幣國際化程度相適應的角度提出了相關國家和國際組織在跨境支付上給予我國的啟示。然后從人民幣跨境結(jié)算的監(jiān)管實踐和基本立法完善這兩個方面提出了我國跨境人民幣結(jié)算業(yè)務法律規(guī)制的完善途徑。
[Abstract]:The establishment of the Asian Infrastructure Investment Bank, the recognition of the renminbi's special drawing rights (SDRs) by the International Monetary Fund (IMF) and the implementation of the "Belt and Road" strategy have contributed to an increase in the renminbi's share of international cross-border payments. The continuous development of China's import and export trade and cross-border e-commerce has also contributed to the development of cross-border payment of RMB in China to a large extent. China first carried out a pilot project of cross-border payment of RMB in the Shanghai Free Trade Zone, and achieved good results. Then gradually in other regions and areas to establish a more perfect cross-border payment system. With the application of RMB cross-border payment more and more widely, the legal supervision of RMB should be paid more attention to. There may be a variety of problems in the process of RMB cross-border payment. The existence of these problems affects the smooth progress of RMB cross-border payment in China. Therefore, we must formulate a more perfect legal supervision strategy according to the specific situation. Effectively ensure the security of customers' funds and the sound development of foreign trade market and financial market in the process of RMB cross-border payment. This paper mainly studies the legal regulation of RMB cross-border settlement. This paper is divided into four parts: the first part is the status quo of RMB cross-border settlement business and legal regulation. First of all, it summarizes three common modes of RMB cross-border payment and settlement from the aspect of practice, that is, clearing bank model, agency bank model and RMB NRA account (domestic non-resident account) model; secondly, This paper analyzes the current situation of the legal regulation of cross-border RMB payment settlement, and puts forward the legal regulation status of cross-border RMB settlement from the perspective of the legal system framework of cross-border people's settlement business and the regulatory framework. To carry on the analysis to the cross-border payment organization to carry on the payment business the regulation. The second part is the legal regulation of cross-border RMB settlement business. First of all, from the two aspects of the legal system of the supervision body of RMB cross-border settlement business and the management system of the payment agency, the paper puts forward the problems existing in the legal regulation of the cross-border RMB settlement business; secondly, The causes of the above legal regulation problems are analyzed in detail. The third part is related countries and international organizations of cross-border payment regulatory model analysis. It mainly studies and analyzes the supervision system of electronic payment and settlement in the United States, the supervision of cross-border payment system in Britain, the supervision of cross-border payment agencies in Japan, and the regulatory model of electronic payment service providers in the European Union. The fourth part is to perfect the legal regulation of RMB cross-border settlement. Mainly from the establishment of payment and settlement as the core of the regulatory framework, From the point of view of strengthening the inter-state supervision and coordination of cross-border payment and corresponding to the degree of currency internationalization, the enlightenment of relevant countries and international organizations on cross-border payment is put forward. Then, from the aspects of supervision practice and basic legislation perfection of RMB cross-border settlement, the author puts forward the ways to perfect the legal regulation of cross-border RMB settlement business in China.
【學位授予單位】：鄭州大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D996.2

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