我国商业银行跨境人民币业务发展策略研究

发布时间：2018-02-04 01:04

本文关键词： 人民币国际化商业银行跨境人民币业务发展策略　出处：《复旦大学》2013年硕士论文　论文类型：学位论文

【摘要】：目前,跨境人民币业务研究较多从宏观和微观角度进行,较少从商业银行角度开展。本文试图从商业银行经营发展角度,在分析商业银行跨境人民币业务所面临的环境、机遇和挑战以及影响因素的基础上,通过一个完整框架更好地分析商业银行跨境人民币业务的整体业务模式、产品创新重点领域、面临风险和发展趋势,继而提出商业银行发展跨境人民币业务的具体策略。本文首先从政策演进出发,对商业银行跨境人民币业务发展的历程、机遇和挑战进行研究。通过理论和实践相结合,分析商业银行跨境人民币业务发展的影响因素。从宏观层面来看,人民币的可接受度、我国经济实力、国际贸易规模、人民币币值稳定性、人民币升值预期、人民币跨境流通渠道等因素的影响较为突出。从微观角度来看,企业和非居民的需求是业务发展的主要动力,商业银行自身经营能力是重要辅助。同时,本文运用实证分析的方法,对商业银行跨境人民币业务影响因素进行研究,运用比较分析的方法,结合主要商业银行业务实践,对跨境人民币业务进行分析,为策略研究提供理论和实践依据。商业银行人民币跨境业务具有规避风险、手续便捷、加强人民币资产配置、获取人民币升值收益等多方面优势。面对企业和非居民的具体业务需求,商业银行在人民币国际化的整体政策框架下,针对人民币跨境结算、贸易融资、跨境投融资、跨境金融服务等方面提供了多种多样的产品和服务。本文对上述业务模式进行了深入分析,重点针对当前人民币中长期升值预期这一重要影响因素,对跨境人民币业务主要创新产品进行了研究,同时分析商业银行跨境人民币业务所面临的风险,并对该项业务未来发展趋势进行了展望。在以上分析基础上,本文从商业银行跨境人民币业务定位、产品创新、营销推进、风险管理等方面,形成了商业银行跨境人民币业务发展的具体策略,以期对商业银行的实践提供一定借鉴。面对人民币国际化、汇率形成机制改革、利率市场化、金融脱媒等足以深刻影响商业银行经营模式和盈利基础的重要外部环境因素,具备一定经营实力的商业银行要从转型发展的角度出发,高度重视跨境人民币业务发展,在资产业务、负债业务、中间业务、金融服务业务等主要经营领域将跨境人民币业务与传统业务有机结合,在风险可控的前提下,围绕人民币跨境投融资、离岸人民币业务、人民币国际定价等核心要素,紧密结合区域经济特点和客户需求,积极开展人民币产品与服务创新,在人民币国际化发展中抢占先机,赢得业务优势地位。
[Abstract]:At present, the research of cross-border RMB business is more from the macro and micro perspective, less from the perspective of commercial banks. Based on the analysis of the environment, opportunities, challenges and influencing factors of cross-border RMB business of commercial banks, the overall business model of cross-border RMB business of commercial banks is better analyzed through a complete framework. The key areas of product innovation are facing risks and development trends, and then the specific strategies for commercial banks to develop cross-border RMB business are put forward. This paper starts from the evolution of policy, studies the development course, opportunities and challenges of cross-border RMB business of commercial banks, and combines theory with practice. This paper analyzes the factors influencing the development of cross-border RMB business of commercial banks. From the macro level, the acceptability of RMB, the economic strength of our country, the scale of international trade, the stability of RMB currency, and the expectation of RMB appreciation are discussed. From the micro point of view, the demand of enterprises and non-residents is the main driving force of business development, and the commercial banks' own management ability is an important auxiliary. This paper uses the method of empirical analysis to study the influencing factors of cross-border RMB business of commercial banks, using the method of comparative analysis, combined with the business practice of major commercial banks, to analyze cross-border RMB business. To provide theoretical and practical basis for strategy research. RMB cross-border business of commercial banks has many advantages, such as avoiding risks, convenient procedures, strengthening the allocation of RMB assets, obtaining the gains of RMB appreciation, and so on. In the face of the specific business needs of enterprises and non-residents. Under the overall policy framework of RMB internationalization, commercial banks aim at RMB cross-border settlement, trade financing, cross-border investment and financing. Cross-border financial services and other aspects provide a variety of products and services. This paper analyzes the business model in depth, focusing on the current expectation of long-term appreciation of the RMB as an important factor. This paper studies the main innovative products of cross-border RMB business, analyzes the risks faced by commercial banks in cross-border RMB business, and looks forward to the future development trend of this business. On the basis of the above analysis, this paper forms the specific strategy of cross-border RMB business development of commercial banks from the commercial bank cross-border RMB business positioning, product innovation, marketing promotion, risk management and other aspects. In order to provide certain reference to the practice of commercial banks, facing the internationalization of RMB, exchange rate formation mechanism reform, interest rate marketization. Financial disintermediation and other important external environmental factors which can profoundly affect the business model and profit basis of commercial banks. Commercial banks with certain operational strength should start from the perspective of transformation and development. Attach great importance to the development of cross-border RMB business, in the asset business, liability business, intermediate business, financial services business and other major areas of business, cross-border RMB business and traditional business organic integration. Under the premise of controllable risk, the core elements of RMB cross-border investment and financing, offshore RMB business and RMB international pricing are closely combined with the characteristics of regional economy and customer demand. Actively carry out RMB product and service innovation, in the RMB internationalization development preemptive, wins the service superiority position.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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