补充性货币与商业银行的国际化途径

发布时间：2018-01-14 00:09

本文关键词：补充性货币与商业银行的国际化途径　出处：《江汉论坛》2017年11期 　论文类型：期刊论文

【摘要】：商业银行作为金融中介的核心功能就是化解资金需求和供给双方的信息不对称问题,补充性货币与商业银行国际化途径的直接相关性使它能够解决商业银行信贷业务及中间业务带来的信息不对称风险,从而促进商业银行的国际化。中国金融市场对外国商业银行具有很强的吸引力,随着本国金融市场逐渐饱和,竞争加剧,很多外国商业银行都开始意识到率先占领中国银行业市场的重要性和迫切性。补充性货币的合理运用能较好地解决商业银行中间业务国际化的风险问题,帮助商业银行较准确地衡量中间业务国际化的风险程度,关键在于创造更先进的补充性货币作为商业银行中间业务国际化的金融工具和金融衍生产品,从而脱离法定货币的价值标准,达到降低金融风险的目的。
[Abstract]:The core function of commercial bank as a financial intermediary is to resolve the problem of information asymmetry between capital demand and supply side. The direct correlation between complementary currency and the internationalization of commercial banks makes it possible to solve the asymmetric information risk caused by the credit business and intermediate business of commercial banks. Thus promoting the internationalization of commercial banks. China's financial market has a strong appeal to foreign commercial banks. With the gradual saturation of domestic financial markets, competition intensifies. Many foreign commercial banks are beginning to realize the importance and urgency of taking the lead in the Chinese banking market. The reasonable use of supplementary currency can solve the risk of internationalization of intermediate business of commercial banks. To help commercial banks accurately measure the risk of intermediate business internationalization, the key lies in the creation of more advanced complementary currency as financial instruments and financial derivatives for the internationalization of intermediate business of commercial banks. In order to get rid of the value standard of legal tender, achieve the purpose of reducing financial risk.
【作者单位】：西南财经大学经济学院;
【基金】：国家社会科学基金青年项目“中国补充性货币监管研究”(16CJY067)
【分类号】：F822;F832.33
【正文快照】： 补充性货币是法定货币的补充形态,一些学者已做过研究,而本文认为补充性货币与商业银行国际化途径的直接相关性,是指通过补充性货币直接作用于商业银行业务国际化的途径表现出来的联系(1)。商业银行的业务国际化是商业银行国际化的最终目标,主要分为商业银行的信贷业务国际化

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