人民币跨境业务风险管理研究
发布时间：2019-07-06 19:56
【摘要】：随着我国对外贸易的发展及经济建设步伐的加快，人民币参与国际市场交易的需求不断提升，应国际业务需求，2009年7月我国正式启动人民币跨境结算交易，开启人民币国际化的进程。伴随着新兴人民币跨境业务的发展，操作风险与监管面临的问题也随之而来，面对跨境业务，如何在保证业务需求高效高质量操作的同时达到有效风险防控，将潜在风险降低，发展经济同时防范热钱流动，确保跨境业务稳健发展成为亟待研究解决的问题。 本文中通过研究跨境人民币业务开立背景、发展、操作以及风险审核要点，基于实际操作为出发，探讨在各项环节过程中，如何通过改进商业银行操作流程，改善审核要点完善操作环节；通过企业增强对外交易自律和交尽职止调查，增强交易前期的风险防范，降低欺诈风险；通过建议监机构改善监管平台，抓重点信息校验，从而减少数据冗余或出现监管重叠监管遗漏，以提高监督效率，从三方入手实现风险可知风险可控的目的。本文采用案例分析作为研究方法。通过对汇丰银行在跨境人民币业务实际开展操作进行分析研究，从体操作过程发现潜在业务风险并探寻有效监控方法，从而找到完善风控的方式。通过对不同类型企业的跨境业务开展侧重及业务需求，，分析各自的业务优势及风险点，研究目前跨境人民币业务风控的主要针对风险点以及实际操作中存在的不足，探讨未来跨境业务开展和完善过程中需进行改进和完善之处。
[Abstract]:With the development of China's foreign trade and the acceleration of economic construction, the demand for RMB to participate in international market transactions is constantly increasing. In response to the international business demand, China officially launched RMB cross-border settlement transactions in July 2009, opening the process of RMB internationalization. With the development of the emerging RMB cross-border business, the problems of operational risk and supervision also follow. In the face of cross-border business, how to achieve effective risk prevention and control while ensuring the efficient and high-quality operation of business demand, reduce the potential risk, develop the economy and prevent the flow of hot money at the same time, and ensure the steady development of cross-border business has become an urgent problem to be studied and solved. In this paper, by studying the background, development, operation and risk audit of cross-border RMB business, based on the actual operation, this paper discusses how to improve the operation links by improving the operation process of commercial banks and improving the audit points, and how to enhance the risk prevention and reduce the risk of fraud by strengthening the self-discipline of foreign transactions and the investigation of due diligence. Through the suggestion that the supervision organization should improve the supervision platform and pay attention to the verification of key information, so as to reduce the data redundancy or the omission of supervision overlap supervision, in order to improve the supervision efficiency, and realize the purpose of risk knowable risk control from three parties. In this paper, case analysis is used as the research method. Through the analysis and research on the actual operation of HSBC in cross-border RMB business, this paper finds out the potential business risk from the process of body operation and explores the effective monitoring methods, so as to find out the way to perfect the risk control. By focusing on the cross-border business and business requirements of different types of enterprises, this paper analyzes their respective business advantages and risk points, studies the risk control of cross-border RMB business mainly aiming at the risk points and the shortcomings existing in the actual operation, and probes into the improvement and improvement in the process of developing and perfecting the cross-border business in the future.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.63
本文编号：2511286
[Abstract]:With the development of China's foreign trade and the acceleration of economic construction, the demand for RMB to participate in international market transactions is constantly increasing. In response to the international business demand, China officially launched RMB cross-border settlement transactions in July 2009, opening the process of RMB internationalization. With the development of the emerging RMB cross-border business, the problems of operational risk and supervision also follow. In the face of cross-border business, how to achieve effective risk prevention and control while ensuring the efficient and high-quality operation of business demand, reduce the potential risk, develop the economy and prevent the flow of hot money at the same time, and ensure the steady development of cross-border business has become an urgent problem to be studied and solved. In this paper, by studying the background, development, operation and risk audit of cross-border RMB business, based on the actual operation, this paper discusses how to improve the operation links by improving the operation process of commercial banks and improving the audit points, and how to enhance the risk prevention and reduce the risk of fraud by strengthening the self-discipline of foreign transactions and the investigation of due diligence. Through the suggestion that the supervision organization should improve the supervision platform and pay attention to the verification of key information, so as to reduce the data redundancy or the omission of supervision overlap supervision, in order to improve the supervision efficiency, and realize the purpose of risk knowable risk control from three parties. In this paper, case analysis is used as the research method. Through the analysis and research on the actual operation of HSBC in cross-border RMB business, this paper finds out the potential business risk from the process of body operation and explores the effective monitoring methods, so as to find out the way to perfect the risk control. By focusing on the cross-border business and business requirements of different types of enterprises, this paper analyzes their respective business advantages and risk points, studies the risk control of cross-border RMB business mainly aiming at the risk points and the shortcomings existing in the actual operation, and probes into the improvement and improvement in the process of developing and perfecting the cross-border business in the future.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.63
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