【摘要】：在我國大力推動人民幣國際化的大背景下，國務(wù)院于2008年推出跨境貿(mào)易人民幣結(jié)算試點業(yè)務(wù)，，短短四年的時間里，業(yè)務(wù)試點區(qū)域擴展至全國、業(yè)務(wù)領(lǐng)域從貨物貿(mào)易拓展至經(jīng)常項目及部分資本項目，政策步伐不斷加快。在市場層面，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、倫敦等主要國際金融市場出現(xiàn)了初具規(guī)模的離岸人民幣市場。本文就是在此背景下，分析跨境人民幣業(yè)務(wù)的特點與問題，探討商業(yè)銀行在跨境人民幣業(yè)務(wù)領(lǐng)域所面臨的機遇與挑戰(zhàn)。 本文首先對現(xiàn)有的跨境人民幣業(yè)務(wù)體系進行了梳理，對跨境人民幣業(yè)務(wù)的內(nèi)涵進行了擴展，并對我國推動跨境人民幣業(yè)務(wù)的背景及意義進行了探討。后續(xù)本文通過對跨境人民幣業(yè)務(wù)數(shù)據(jù)進行分析后，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)達等問題。但同時，文章分析認為我國發(fā)展跨境人民幣業(yè)務(wù)的宏觀經(jīng)濟和金融市場條件已經(jīng)具備，各項制度和基礎(chǔ)設(shè)施條件也在不斷完善中，跨境人民幣業(yè)務(wù)會逐步發(fā)展成為國際業(yè)務(wù)的熱點領(lǐng)域。因此，雖然跨境人民幣業(yè)務(wù)現(xiàn)時還面臨諸多發(fā)展瓶頸，但是商業(yè)銀行作為金融市場的主要參與者，對待跨境人民幣業(yè)務(wù)既不能過于悲觀、也不能盲目樂觀，而應(yīng)該努力把握業(yè)務(wù)機遇，積極應(yīng)對市場挑戰(zhàn)，認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，否則將在激烈的國際業(yè)務(wù)競爭中面臨落后的局面。 最后，本文對商業(yè)銀行發(fā)展跨境人民幣業(yè)務(wù)給出了具體建議，包括夯實客戶基礎(chǔ)、結(jié)合新興市場打造跨境人民幣全產(chǎn)品鏈、完善跨境人民幣經(jīng)營管理體制以及強化合規(guī)管理等發(fā)展建議，內(nèi)容涵蓋了從經(jīng)營策略到具體業(yè)務(wù)產(chǎn)品。這些意見與建議對商業(yè)銀行大力發(fā)展跨境人民幣業(yè)務(wù)、不斷深化國際化經(jīng)營具有重要的應(yīng)用價值。
[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.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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