人民币跨境结算法律问题研究

发布时间：2018-05-30 23:30

本文选题：人民币跨境支付 + 法律规制　；参考：《郑州大学》2017年硕士论文

【摘要】：亚洲基础设施投资银行的建立、人民币的特别提款权获得国际货币基金组织的认可以及“一带一路”战略的实行都促进了人民币在国际化的跨境支付中所占比重的提高。我国进出口贸易和跨境电商的不断发展也很大程度上促进了我国人民币跨境支付的发展,我国首先在上海自贸区中进行了人民币跨境支付的试点,并获得了较好的成效,之后逐渐在其他地区和领域中建立较为完善的人民币跨境支付系统。随着人民币跨境支付应用的越来越广泛,其法律监管问题也要引起各方面的重视。人民币跨境支付过程中有可能出现各种各样的问题,这些问题的存在影响着我国人民币跨境支付的顺利进行,所以必须根据具体情况制定较为完善的法律监管策略,有效保证人民币跨境支付过程中客户的资金安全和金融市场、外贸市场的良好发展。本文主要是对人民币跨境结算法律规制问题进行研究。全文共分四大部分:第一部分是人民币跨境结算业务现状与法律规制现状。首先从实践方面概述人民币跨境支付结算现有的三种常见模式即清算行模式、代理行模式以及人民币NRA账户(境内非居民账户)模式;其次,对跨境人民币支付清算的法律规制现状进行一个分析,从跨境人民结算币业务的法律制度框架以及监管框架两个角度提出了跨境人民币结算业务的法律规制现状;然后,对跨境支付机构开展支付业务的法规进行分析。第二部分是跨境人民币结算业务法律规制问题部分。首先,从人民币跨境结算业务的监管机构的法律制度方面和支付机构的管理制度两个方面提出了跨境人民币结算业务法律规制存在的问题;其次,对上述法律规制问题出现的原因进行详细的分析。第三部分是相关国家和国际组织的跨境支付法律监管模式分析。主要是对美国电子支付与结算监管体系、英国跨境支付系统的监管、日本跨境支付机构的监管进行研究分析、欧盟电子支付服务提供商的监管模式。第四部分是完善人民币跨境结算法律规制的思考。主要是从建立以支付与结算为核心的监管框架、加强跨境支付国家间监管协作以及跨境支付监管应与货币国际化程度相适应的角度提出了相关国家和国际组织在跨境支付上给予我国的启示。然后从人民币跨境结算的监管实践和基本立法完善这两个方面提出了我国跨境人民币结算业务法律规制的完善途径。
[Abstract]:The establishment of the Asian Infrastructure Investment Bank, the recognition of the renminbi's special drawing rights (SDRs) by the International Monetary Fund (IMF) and the implementation of the "Belt and Road" strategy have contributed to an increase in the renminbi's share of international cross-border payments. The continuous development of China's import and export trade and cross-border e-commerce has also contributed to the development of cross-border payment of RMB in China to a large extent. China first carried out a pilot project of cross-border payment of RMB in the Shanghai Free Trade Zone, and achieved good results. Then gradually in other regions and areas to establish a more perfect cross-border payment system. With the application of RMB cross-border payment more and more widely, the legal supervision of RMB should be paid more attention to. There may be a variety of problems in the process of RMB cross-border payment. The existence of these problems affects the smooth progress of RMB cross-border payment in China. Therefore, we must formulate a more perfect legal supervision strategy according to the specific situation. Effectively ensure the security of customers' funds and the sound development of foreign trade market and financial market in the process of RMB cross-border payment. This paper mainly studies the legal regulation of RMB cross-border settlement. This paper is divided into four parts: the first part is the status quo of RMB cross-border settlement business and legal regulation. First of all, it summarizes three common modes of RMB cross-border payment and settlement from the aspect of practice, that is, clearing bank model, agency bank model and RMB NRA account (domestic non-resident account) model; secondly, This paper analyzes the current situation of the legal regulation of cross-border RMB payment settlement, and puts forward the legal regulation status of cross-border RMB settlement from the perspective of the legal system framework of cross-border people's settlement business and the regulatory framework. To carry on the analysis to the cross-border payment organization to carry on the payment business the regulation. The second part is the legal regulation of cross-border RMB settlement business. First of all, from the two aspects of the legal system of the supervision body of RMB cross-border settlement business and the management system of the payment agency, the paper puts forward the problems existing in the legal regulation of the cross-border RMB settlement business; secondly, The causes of the above legal regulation problems are analyzed in detail. The third part is related countries and international organizations of cross-border payment regulatory model analysis. It mainly studies and analyzes the supervision system of electronic payment and settlement in the United States, the supervision of cross-border payment system in Britain, the supervision of cross-border payment agencies in Japan, and the regulatory model of electronic payment service providers in the European Union. The fourth part is to perfect the legal regulation of RMB cross-border settlement. Mainly from the establishment of payment and settlement as the core of the regulatory framework, From the point of view of strengthening the inter-state supervision and coordination of cross-border payment and corresponding to the degree of currency internationalization, the enlightenment of relevant countries and international organizations on cross-border payment is put forward. Then, from the aspects of supervision practice and basic legislation perfection of RMB cross-border settlement, the author puts forward the ways to perfect the legal regulation of cross-border RMB settlement business in China.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D996.2

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