商业银行跨境人民币结算业务研究

发布时间：2018-04-10 16:26

本文选题：商业银行 + 跨境人民币结算　；参考：《山东大学》2012年硕士论文

【摘要】：随着全球经济一体化和我国对外经贸发展的不断加速,人民币国际化的呼声愈来愈高。2009年4月8日,国务院在上海、广州、深圳、珠海和东莞等五城市进行了跨境贸易人民币结算业务试点,并随即在全国范围内推广。然而,无论在理论分析层面,还是从实际调查的角度,跨境人民币结算业务都存在着巨大的争议。鉴于此,有必要对跨境人民币结算业务发展过程中的实践难点进行全面的梳理和分析,以此分析商业银行的应对措施,进而为现阶段的政策调整提供可靠的理论依据和决策参考。全文共分为六章：第1章(问题的提出),主要介绍了本文的选题背景、相关概念、研究方法、研究思路和主要内容、创新点以及不足之处。第2章(文献综述),对国内外学者有关跨境人民币结算业务的研究进行了概括和梳理。国外学者的研究主要包括国际贸易结算货币的选择,人民币发展成为跨境结算货币等方面；而国内学者的研究则主要侧重于跨境人民币结算业务的展望、利弊分析和具体发展思路等方面,很少从现状、模型和案例等层面展开分析,而这正是本文拟解决的问题。第3章(现状分析),主要从C行(中国建设银行)跨境人民币结算业务的总体规模、山东分行市场占有率、基层业务等三个维度进行分析,结果显示：在跨境人民币结算业务迅猛的发展过程中,C行山东分行的整体发展较为突出,但其所属二级分行则参差不齐,存在较大的差异。第4章(实践难点的博弈分析),在实践难点方面,主要概括总结了山东分行在跨境人民币结算业务上面临的两大实践难点——业务发展难点和经营管理难点；在博弈分析方面,通过商业银行和监管机构之间的博弈模型分析指出,虽然目前面临着较大的业务难点、困境,但现阶段商业银行还应该继续推进该项业务的发展。第5章(案例分析),主要选取了山东分行与贸易限制国企业间的资金清算、信用证“换币转通知”、跨境远期结汇三个实际案例,通过进行背景介绍和案例分析,不仅与现状分析、难点分析、博弈分析构成了文章“发现问题、指明问题、分析问题、证明结论”的整体思路,而且为政策建议提供了更丰富的佐证。第6章(结论与政策建议),在总结上述结论的基础上,针对博弈分析和案例分析,提出了更贴近实际、更有利于业务发展的三方面建议,以期对人民币跨境结算业务发展有所借鉴。主要包括突出重点客户、重点产品、重点地区的商业价值,加强国内外利益相关者的关系联动,提高内部的经营管理水平。本文相关的现状分析与博弈、案例分析均表明,跨境人民币结算业务自身存在着明显优势与一定的局限性,这也给我国商业银行带来了诸多实践难点,对于这种新型业务,商业银行应该从多方面提升内部实力,以客户为中心,实施产品和客户需求的有效对接,积极应对,继续加大跨境人民币结算业务的推进力度。
[Abstract]:With the globalization of the global economy and the accelerating development of China's foreign trade and economic cooperation, the voice of RMB internationalization is getting louder and higher. On April 8, 2009, the State Council in Shanghai, Guangzhou, Shenzhen,Zhuhai and Dongguan and other five cities conducted cross-border trade RMB settlement business pilot, and then spread throughout the country.However, cross-border RMB settlement business is controversial both in theoretical analysis and from the point of view of actual investigation.In view of this, it is necessary to comb and analyze the practical difficulties in the development of cross-border RMB settlement business in order to analyze the countermeasures of commercial banks.Furthermore, it provides a reliable theoretical basis and decision-making reference for the policy adjustment at the present stage.The thesis is divided into six chapters: the first chapter introduces the background of this paper, related concepts, research methods, research ideas and main contents, innovation points and shortcomings.Chapter 2 (literature review) summarizes and combs the research of cross-border RMB settlement at home and abroad.The research of foreign scholars mainly includes the choice of international trade settlement currency, the development of RMB into cross-border settlement currency and so on; while the research of domestic scholars mainly focuses on the prospect of cross-border RMB settlement business.The advantages and disadvantages of the analysis and the specific development of ideas, rarely from the current situation, model and case analysis, and this is the problem this paper intends to solve.Chapter 3 (current situation analysis), mainly from the C Bank (China Construction Bank) cross-border RMB settlement business overall scale, Shandong branch market share, grass-roots business analysis of three dimensions,The results show that in the rapid development of cross-border RMB settlement business, the overall development of Shandong Branch of Bank C is more prominent, but its secondary branch is uneven, and there are great differences.Chapter 4 (game analysis of practical difficulties), in the aspect of practical difficulties, summarizes two major practical difficulties in cross-border RMB settlement business in Shandong Branch: business development difficulty and management difficulty, in the aspect of game analysis,Through the analysis of the game model between the commercial banks and the regulators, it is pointed out that although there are some difficulties and difficulties in the business at present, the commercial banks should continue to promote the development of the business at the present stage.Chapter 5 (case study), mainly selects three actual cases of Shandong branch and trade restricted country enterprises, letter of credit "exchange notice", cross-border forward settlement of foreign exchange, through background introduction and case analysis.It is not only the analysis of the present situation, the difficulty and the game analysis, but also the whole idea of "finding the problem, pointing out the problem, analyzing the problem, proving the conclusion", and providing more abundant evidence for the policy suggestion.Chapter 6 (conclusions and policy recommendations), on the basis of summarizing the above conclusions, and aiming at the game analysis and case analysis, the author puts forward three suggestions which are closer to reality and more conducive to the development of business.With a view to RMB cross-border settlement business development reference.It mainly includes highlighting the commercial value of key customers, key products and key areas, strengthening the relationship between domestic and foreign stakeholders, and improving the internal management level.The present situation analysis and game analysis of this paper, case analysis show that the cross-border RMB settlement business itself has obvious advantages and limitations, which has brought a lot of practical difficulties to the commercial banks of our country, for this kind of new business,Commercial banks should enhance their internal strength from many aspects, take the customer as the center, implement the effective docking of products and customers' needs, actively deal with it, and continue to strengthen the promotion of cross-border RMB settlement business.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.63

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