本文選題：商業(yè)銀行 + 跨境人民幣結算　； 參考：《山東大學》2012年碩士論文

【摘要】：隨著全球經(jīng)濟一體化和我國對外經(jīng)貿發(fā)展的不斷加速,人民幣國際化的呼聲愈來愈高。2009年4月8日,國務院在上海、廣州、深圳、珠海和東莞等五城市進行了跨境貿易人民幣結算業(yè)務試點,并隨即在全國范圍內推廣。然而,無論在理論分析層面,還是從實際調查的角度,跨境人民幣結算業(yè)務都存在著巨大的爭議。鑒于此,有必要對跨境人民幣結算業(yè)務發(fā)展過程中的實踐難點進行全面的梳理和分析,以此分析商業(yè)銀行的應對措施,進而為現(xiàn)階段的政策調整提供可靠的理論依據(jù)和決策參考。 全文共分為六章：第1章(問題的提出),主要介紹了本文的選題背景、相關概念、研究方法、研究思路和主要內容、創(chuàng)新點以及不足之處。第2章(文獻綜述),對國內外學者有關跨境人民幣結算業(yè)務的研究進行了概括和梳理。國外學者的研究主要包括國際貿易結算貨幣的選擇,人民幣發(fā)展成為跨境結算貨幣等方面；而國內學者的研究則主要側重于跨境人民幣結算業(yè)務的展望、利弊分析和具體發(fā)展思路等方面,很少從現(xiàn)狀、模型和案例等層面展開分析,而這正是本文擬解決的問題。第3章(現(xiàn)狀分析),主要從C行(中國建設銀行)跨境人民幣結算業(yè)務的總體規(guī)模、山東分行市場占有率、基層業(yè)務等三個維度進行分析,結果顯示：在跨境人民幣結算業(yè)務迅猛的發(fā)展過程中,C行山東分行的整體發(fā)展較為突出,但其所屬二級分行則參差不齊,存在較大的差異。第4章(實踐難點的博弈分析),在實踐難點方面,主要概括總結了山東分行在跨境人民幣結算業(yè)務上面臨的兩大實踐難點——業(yè)務發(fā)展難點和經(jīng)營管理難點；在博弈分析方面,通過商業(yè)銀行和監(jiān)管機構之間的博弈模型分析指出,雖然目前面臨著較大的業(yè)務難點、困境,但現(xiàn)階段商業(yè)銀行還應該繼續(xù)推進該項業(yè)務的發(fā)展。第5章(案例分析),主要選取了山東分行與貿易限制國企業(yè)間的資金清算、信用證“換幣轉通知”、跨境遠期結匯三個實際案例,通過進行背景介紹和案例分析,不僅與現(xiàn)狀分析、難點分析、博弈分析構成了文章“發(fā)現(xiàn)問題、指明問題、分析問題、證明結論”的整體思路,而且為政策建議提供了更豐富的佐證。第6章(結論與政策建議),在總結上述結論的基礎上,針對博弈分析和案例分析,提出了更貼近實際、更有利于業(yè)務發(fā)展的三方面建議,以期對人民幣跨境結算業(yè)務發(fā)展有所借鑒。主要包括突出重點客戶、重點產(chǎn)品、重點地區(qū)的商業(yè)價值,加強國內外利益相關者的關系聯(lián)動,提高內部的經(jīng)營管理水平。 本文相關的現(xiàn)狀分析與博弈、案例分析均表明,跨境人民幣結算業(yè)務自身存在著明顯優(yōu)勢與一定的局限性,這也給我國商業(yè)銀行帶來了諸多實踐難點,對于這種新型業(yè)務,商業(yè)銀行應該從多方面提升內部實力,以客戶為中心,實施產(chǎn)品和客戶需求的有效對接,積極應對,繼續(xù)加大跨境人民幣結算業(yè)務的推進力度。
[Abstract]:With the globalization of the global economy and the accelerating development of China's foreign trade and economic cooperation, the voice of RMB internationalization is getting louder and higher. On April 8, 2009, the State Council in Shanghai, Guangzhou, Shenzhen,Zhuhai and Dongguan and other five cities conducted cross-border trade RMB settlement business pilot, and then spread throughout the country.However, cross-border RMB settlement business is controversial both in theoretical analysis and from the point of view of actual investigation.In view of this, it is necessary to comb and analyze the practical difficulties in the development of cross-border RMB settlement business in order to analyze the countermeasures of commercial banks.Furthermore, it provides a reliable theoretical basis and decision-making reference for the policy adjustment at the present stage.The thesis is divided into six chapters: the first chapter introduces the background of this paper, related concepts, research methods, research ideas and main contents, innovation points and shortcomings.Chapter 2 (literature review) summarizes and combs the research of cross-border RMB settlement at home and abroad.The research of foreign scholars mainly includes the choice of international trade settlement currency, the development of RMB into cross-border settlement currency and so on; while the research of domestic scholars mainly focuses on the prospect of cross-border RMB settlement business.The advantages and disadvantages of the analysis and the specific development of ideas, rarely from the current situation, model and case analysis, and this is the problem this paper intends to solve.Chapter 3 (current situation analysis), mainly from the C Bank (China Construction Bank) cross-border RMB settlement business overall scale, Shandong branch market share, grass-roots business analysis of three dimensions,The results show that in the rapid development of cross-border RMB settlement business, the overall development of Shandong Branch of Bank C is more prominent, but its secondary branch is uneven, and there are great differences.Chapter 4 (game analysis of practical difficulties), in the aspect of practical difficulties, summarizes two major practical difficulties in cross-border RMB settlement business in Shandong Branch: business development difficulty and management difficulty, in the aspect of game analysis,Through the analysis of the game model between the commercial banks and the regulators, it is pointed out that although there are some difficulties and difficulties in the business at present, the commercial banks should continue to promote the development of the business at the present stage.Chapter 5 (case study), mainly selects three actual cases of Shandong branch and trade restricted country enterprises, letter of credit "exchange notice", cross-border forward settlement of foreign exchange, through background introduction and case analysis.It is not only the analysis of the present situation, the difficulty and the game analysis, but also the whole idea of "finding the problem, pointing out the problem, analyzing the problem, proving the conclusion", and providing more abundant evidence for the policy suggestion.Chapter 6 (conclusions and policy recommendations), on the basis of summarizing the above conclusions, and aiming at the game analysis and case analysis, the author puts forward three suggestions which are closer to reality and more conducive to the development of business.With a view to RMB cross-border settlement business development reference.It mainly includes highlighting the commercial value of key customers, key products and key areas, strengthening the relationship between domestic and foreign stakeholders, and improving the internal management level.The present situation analysis and game analysis of this paper, case analysis show that the cross-border RMB settlement business itself has obvious advantages and limitations, which has brought a lot of practical difficulties to the commercial banks of our country, for this kind of new business,Commercial banks should enhance their internal strength from many aspects, take the customer as the center, implement the effective docking of products and customers' needs, actively deal with it, and continue to strengthen the promotion of cross-border RMB settlement business.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.63

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