人民币国际化趋势下我国商业银行国际结算业务竞争力分析

发布时间：2018-03-17 20:18

本文选题：人民币国际化　切入点：国有商业银行　出处：《吉林财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：至今为止，人民币国际化已取得初步成就，即在跨境贸易中可以使用人民币进行结算，结算范围已扩大到全国各地和全世界。虽然人民币尚处在结算货币的阶段，但在欧债危机愈发严重，美国量化宽松货币政策效用不大的背景下，人民币成为国际货币的优势日益显现。当前人民币跨境流动以及将来人民币作为储备货币，都需要依靠银行间的支付结算系统来完成，国际结算部门作为承接国内与国外结算的一个中介部门，其竞争力必然会随着人民币国际化进程加深而受到直接或间接的影响。本文在分析了人民币国际化现状以及发展趋势的基础上，依赖钻石模型，采用文献资料法、模型分析法、比较研究法，结合当前银行国际业务中主要产品，如信用证、托收、电汇、保理等，对影响商业银行国际业务竞争力的主要因素进行定性分析，从理论与实际相结合的角度分析了人民币国际化对国有商业银行国际竞争力的利弊影响，并在此基础上从政府和银行两个角度提出针对人民币国际化背景下，，有利于优化商业银行国际业务竞争力的相关意见。全文分为五个部分进行阐述：第一部分为引言，介绍了文章的选题背景，研究目的和意义，国内外研究综述，钻石模型理论介绍和可能的创新之处。主要对迈克尔波特的钻石模型进行详细阐述，论述了影响行业竞争力的四大基本因素和两大外来要素之间的相互联系，为后文使用钻石模型分析国有商业银行国际结算业务竞争力做铺垫。第二部分论述了人民币国际化的现状及其发展趋势。着重阐述了从2009年，人民币首次实现跨境支付以来，人民币在跨境贸易结算，香港离岸金融市场以及人民币回流机制方面存在的相关问题，由此对人民币未来发展趋势提出合理畅想。第三部分为钻石模型分析。使用人力资源和基础通信设施对生产要素进行分析，使用国际贸易、国际投资、国际合作的发展作为需求条件分析，使用国有银行存贷款量和自身经营成果作为支持产业分析，使用外资银行和股份制银行在人民币实现跨境结算以后的表现作为竞争对手分析。以人民币实现跨境结算和香港离岸金融市场的建立为机遇，结合政府的利率、汇率政策，对国有商业银行国际结算业务进行完整的钻石模型分析。第四部分论述了人民币国际化对主要结算方式的影响。以信用证、汇款、托收、保理业务为例，详细论述了在当前业务中存在的不足，以及人民币国际化后可能带来的影响。第五部分为结论。针对前文的具体分析，从政府和银行两个角度，对国有商业银行国际结算业务在人民币国际化趋势下如何提升自我竞争力，提出了相关的政策意见。
[Abstract]:So far, RMB internationalization has made initial achievements, that is, the RMB can be used for settlement in cross-border trade, and the settlement scope has been extended to all parts of the country and the world. Although the RMB is still in the currency settlement stage, However, against the backdrop of the worsening European debt crisis and the limited effectiveness of the United States quantitative easing monetary policy, the advantages of the renminbi as an international currency are becoming increasingly apparent. At present, RMB flows across borders and the renminbi will be used as a reserve currency in the future. The international settlement department, as an intermediary to undertake settlement at home and abroad, is bound to be affected directly or indirectly with the deepening of RMB internationalization process. On the basis of analyzing the current situation and development trend of RMB internationalization, this paper relies on diamond model, adopts literature method, model analysis method, comparative research method, and combines the main products in the current international business of banks, such as letters of credit, collection, etc. By means of wire transfer and factoring, this paper qualitatively analyzes the main factors that affect the international business competitiveness of commercial banks, and analyzes the advantages and disadvantages of RMB internationalization on the international competitiveness of state-owned commercial banks from the angle of combining theory with practice. On the basis of this, the author puts forward some suggestions on how to optimize the competitiveness of commercial banks' international business under the background of RMB internationalization from the angle of government and bank. The full text is divided into five parts:. The first part is the introduction, which introduces the background, research purpose and significance of the article, domestic and foreign research review, diamond model theory introduction and possible innovation. This paper discusses the four basic factors that affect the competitiveness of the industry and the relationship between the two external factors, which pave the way for the use of diamond model to analyze the international settlement business competitiveness of state-owned commercial banks. The second part discusses the current situation and development trend of RMB internationalization. It focuses on the cross-border trade settlement of RMB since 2009, when RMB first realized cross-border payment. The problems in the offshore financial market and the RMB reflow mechanism in Hong Kong put forward reasonable imagination about the future development trend of RMB. The third part is diamond model analysis. Using human resources and infrastructure to analyze factors of production, using the development of international trade, international investment, international cooperation as demand conditions analysis, Using the amount of deposits and loans of state-owned banks and the results of their own operations as support for industry analysis, The performance of foreign banks and joint-stock banks after the cross-border settlement of RMB has been analyzed as a competitor's analysis. Taking RMB cross-border settlement and the establishment of Hong Kong's offshore financial market as opportunities, and combining the government's interest rate and exchange rate policy, A complete diamond model analysis of the international settlement business of state-owned commercial banks is carried out. Part 4th discusses the impact of RMB internationalization on the main settlement methods. Taking letter of credit, remittance, collection, factoring business as an example, the paper discusses in detail the shortcomings in the current business and the possible impact of RMB internationalization. Part 5th is the conclusion. Based on the above analysis, this paper puts forward some policy suggestions on how to enhance the self-competitiveness of the international settlement business of state-owned commercial banks under the trend of RMB internationalization from the angle of government and bank.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F832.6

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