跨境人民币结算业务监管研究

发布时间：2018-02-15 13:13

本文关键词： 跨境人民币结算业务政府监管相关政策法规　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,我国的经济实力不断壮大,已经超越日本成为世界上第二大经济体,在这样的背景下,人民币国际化也逐渐的成为我国经济持续发展的新方向。但是由于世界各国对人民币认可度不及美元,美元作为国际结算货币的霸权地位难以撼动,人民币国际化的道路充满困难阻碍。直到2008年爆发的全球性金融危机,世界各国才开始逐渐意识到过度依赖美元的风险是巨大的,在这种危机的环境下,人民币在国际货币市场上依旧可以保持币值的稳定,人民币在国际上的期望值和认可度迅速增长。在这种趋势下,我国于2009年加快人民币国际化的步伐,为满足结算实际发展需求,我国设立了跨境人民币结算业务试点城市和企业,并将业务区域扩大至全国范围。虽然跨境人民币结算业务交易量近几年呈逐步增长的趋势,但是随着跨境人民币结算业务覆盖面逐渐扩大,越来越多的商业银行也逐步开展跨境人民币结算业务,扮演着重要的角色。随着跨境人民币业务种类的不断扩充,由服务贸易项目扩大至投资资本项目项下的业务,风险也随之显现出来。这对我国政府监管部门提出了更高的要求,为了避免国际热钱的大幅流入,相关监管的政策法规、制度体系都有待于进一步完善。本文第一章简单介绍了选题的意义和背景及国内外研究现状,第二章介绍我国跨境人民币结算业务的含义与目前发展状况,通过介绍我国跨境人民币结算业务开展的必要性,以及对跨境人民币结算业务的结算数据的总结,展现出这项业务在开办之初的艰难但今天取得骄人的成绩所一路走过的路程。第三章主要介绍我国跨境人民币结算业务风险的主要形式,包括套利、洗钱以及资金回流的风险。虽然我国人民币国际化程度日益增加,但是随之出现的跨境人民币资金的风险也越来越严重。通过对跨境人民币结算业务中出现的这几种风险,反映出我国当前在这方面监管出现的种种问题。第四章则是重点介绍我国跨境人民币结算业务监管现状及目前存在的问题,通过第三章的过渡总结出跨境人民币结算业务当前在监管方面存在的问题,并进行详细的分类介绍。第五章是全文的重点,也是作者阐述自己想法的一章。从四个方面入手,介绍应该如何加强我国跨境人民币结算业务监管,包括加强相关部门的监管职能、整合数据资源并提高数据的准确性、加强监管人员的培训和国际交流以及健全跨境人民币结算业务监管,完善相关法律法规。第六章是本文的结论与展望。总结以上五章阐述的内容并得出结论,以及提出相关建议后对跨境人民币结算业务未来的发展的畅想。
[Abstract]:In recent years, the growing economic strength of our country, has surpassed Japan to become the world's second largest economy, in this context, the RMB internationalization has gradually become a new direction for the sustainable development of China's economy. But because of the world to RMB recognition than dollars, the dollar as international settlement currency hegemony is difficult shake, the RMB internationalization of the road is full of difficulties. Until 2008 the outbreak of the global financial crisis, many countries began to gradually realize the risk of excessive dependence on the dollar is enormous, in this crisis, the RMB in the international currency markets can still maintain the stability of the currency, the RMB is expected in the international value and recognition rapid growth. In this trend, China in 2009 to accelerate the pace of internationalization of the RMB settlement, in order to meet the actual development needs, China has established the cross Border RMB business pilot city and enterprises, and the business area expanded to the country. Although the cross-border RMB settlement business volume in recent years showed a gradual increasing trend, but with the cross-border RMB settlement business coverage gradually expanded, more and more commercial banks gradually carry out cross-border RMB settlement business, plays an important role. With the continuous expansion of cross-border RMB business type, the service trade project to expand investment under the capital account business, the risk also will be revealed. This puts forward higher requirements for our government, in order to avoid the substantial inflow of international hot money, the relevant regulatory policies and regulations, the system will need to be further improved. The first chapter simply introduces the significance and background and research status, the second chapter introduces China's cross-border RMB settlement business The meaning and the current state of development, through the introduction of the necessity of China's cross-border RMB settlement business, and summarize the settlement data of cross-border RMB settlement business, showing the business at the beginning of the difficult but achieved remarkable achievements today walked away. The third chapter mainly introduces the main form of risk China's Cross-border RMB settlement business includes risk arbitrage, money laundering and capital return. Although the degree of RMB internationalization in China is increasing, but the risk of a subsequent cross-border RMB funds is becoming more and more serious. Based on these kinds of risks appear in the cross-border RMB settlement business, reflecting the problems of China's current supervision in this regard the fourth chapter is the focus. Introduces the status quo of China's cross-border RMB settlement business supervision and existing problems, through the third chapter of the total transition A cross-border RMB settlement business in the current regulatory issues, and classified and introduced in detail. The fifth chapter is the focus of this article chapter is also the author expounded their ideas. From four aspects, describes how to strengthen supervision of China's cross-border RMB settlement business, including the relevant departments to strengthen supervision and integration the data resources and improve the accuracy of the data, strengthen training and international exchanges and regulators cross-border RMB settlement business supervision, improve relevant laws and regulations. The sixth chapter is the conclusion and Prospect of this paper. The total node above five chapters expounds the content and conclusion, and put forward relevant suggestions on the development of cross-border RMB settlement business in the future the imagination.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.6

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