建行黑龙江省分行跨境贸易人民币结算发展对策研究

发布时间：2018-02-11 20:04

本文关键词： 跨境贸易人民币结算人民币国际化　出处：《哈尔滨工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：由于受到全球性金融危机的蔓延和世界经济衰退的冲击，欧元、美元这样主要的国际结算货币的汇率不断发生变化，，对于包括我国在内的很多国家的企业来说，使用第三国货币进行贸易结算将产生巨大风险。2009年，国务院决定在部分城市开展跨境贸易人民币结算试点工作，试点城市包括广东省的广州市、深圳市、东莞市、珠海市以及上海市等城市。2010年6月，试点工作扩大到黑龙江省等20个省（市）。跨境贸易人民币结算试点工作的启动，积极推动了金融衍生产品的发展，但是除中国银行具备海外机构方面的优势，各银行在具体业务、产品等方面并没有明显差距，均属同时起步。本文详细阐述了跨境贸易人民币结算的概念，比较并分析了跨境贸易人民币结算和外币结算之间存在的差异，概括了跨境贸易人民币结算的发展过程并归纳了跨境贸易人民币结算的特点。深入分析了建行黑龙江省分行营业部开展跨境贸易人民币结算的意义，总结了建行黑龙江省分行营业部跨境贸易种类与外汇账户构成、跨境贸易人民币结算开展现状。探讨了在宏观方面包括中俄人民币结算发展缓慢、人民币输出与回流机制不健全、清算系统亟待完善、外汇管理及金融监管体制落后的四个困境，以及在微观方面包括货币政策制约、同业竞争激烈、人民币跨境流通风险、业务操作繁琐的四个困境，并对建行黑龙江省分行营业部开展以人民币进行跨境贸易结算提出了切合实际的合理建议。
[Abstract]:As a result of the contagion of the global financial crisis and the impact of the world economic recession, the exchange rates of the major international settlement currencies, such as the euro and the US dollar, are constantly changing. For enterprises in many countries, including China, In 2009, the State Council decided to launch a cross-border trade RMB settlement pilot project in some cities, including Guangzhou, Shenzhen, Dongguan City, Guangdong Province. Zhuhai and Shanghai and other cities. In June 2010, the pilot work was expanded to 20 provinces (cities) such as Heilongjiang Province and other provinces (cities) to launch the pilot work of RMB settlement for cross-border trade, which has actively promoted the development of financial derivatives. But except that Bank of China has the advantages of overseas institutions, there is no obvious gap between the banks in specific business, products and so on, they all start at the same time. This paper elaborates the concept of RMB settlement in cross-border trade, compares and analyzes the differences between RMB settlement and foreign currency settlement in cross-border trade. This paper summarizes the development process of RMB settlement in cross-border trade and summarizes the characteristics of RMB settlement in cross-border trade. The significance of RMB settlement for cross-border trade in the business department of China Construction Bank Heilongjiang Branch is analyzed in depth. This paper summarizes the types of cross-border trade and the composition of foreign exchange accounts in the business department of China Construction Bank Branch of Heilongjiang Province, and discusses the current situation of RMB settlement of cross-border trade, and probes into the slow development of RMB settlement in macro aspects, including Sino-Russian RMB settlement. The export and return mechanism of RMB is not perfect, the liquidation system needs to be improved urgently, the four predicaments of backward foreign exchange management and financial supervision system, as well as the restriction of monetary policy, the fierce competition among peers, and the risk of cross-border circulation of RMB in micro aspects. Four dilemmas of complicated business operation are put forward, and some practical and reasonable suggestions are put forward to carry out cross-border trade settlement with RMB in the business department of China Construction Bank Heilongjiang Branch.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.6

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