基于货币国际化视角的人民币跨境结算研究

发布时间：2018-04-05 10:34

本文选题：商业银行　切入点：人民币跨境结算　出处：《山西财经大学》2013年硕士论文

【摘要】：全球金融危机及欧债危机的爆发给我国带来了负面影响，人民币再次受到国内外的高度关注。究其原因，，如能在我国贸易结算中使用人民币，能大大降低汇率风险，更重要的是这也能将我们呼吁多年的人民币国际化战略实际推行；客观上，人民币币值保持稳定，满足国际结算货币的基本条件。鉴于此，我国政府提议实行人民币跨境结算。自2009年7月试点开始到现在，一系列政策和措施相继出台，我国的商业银行和许多企业都积极投入其中，使得人民币跨境结算业务取得了喜人的成绩。虽然前景乐观，但目前仍面临许多问题，如何继续推进仍需思考。本文开始先是解释人民币跨境结算的概念，然后对其发展历程以及现状进行了详尽的阐述并据此指出其问题；其次，通过选取我国6家商业银行为代表，指出在系统管理、风险管理、资产负债管理、国际化经营管理等方面面临的挑战；再次，分析了深层次的制约因素，如金融市场发展不够充分、人民币流通渠道不够顺畅及现有监管体系不够完善等方面；最后，针对前文的问题和制约因素，考虑从国家、银行和企业三个主体角度提出相对的对策建议。
[Abstract]:The global financial crisis and the outbreak of the European debt crisis have brought negative effects to China, and the RMB has once again been highly concerned at home and abroad.The reason is that if the RMB can be used in China's trade settlement, it can greatly reduce the exchange rate risk. More importantly, it can also effectively implement the RMB internationalization strategy that we have called for many years. Objectively, the value of the renminbi remains stable.Satisfy the basic conditions of international settlement currency.In view of this, our government proposes to implement RMB cross-border settlement.Since the beginning of the pilot project in July 2009, a series of policies and measures have been introduced one after another, and commercial banks and many enterprises have actively invested in them, which has made the RMB cross-border settlement business achieve gratifying results.Although the outlook is optimistic, but there are still many problems, how to continue to promote still need to think.This paper first explains the concept of RMB cross-border settlement, then elaborates its development process and current situation and points out its problems. Secondly, through selecting 6 commercial banks in China as the representative, it points out the system management.The challenges faced by risk management, asset liability management, international management and so on. Thirdly, the paper analyzes the deep-seated constraints, such as the insufficient development of financial markets,RMB circulation channels are not smooth and the existing regulatory system is not perfect. Finally, in view of the previous problems and constraints, the author puts forward relative countermeasures and suggestions from the three main points of view of the state, banks and enterprises.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.6

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