淮南市银行外汇监管问题与对策研究

发布时间：2018-06-21 09:25

本文选题：银行 + 外汇　；参考：《安徽大学》2017年硕士论文

【摘要】：随着涉外经济的快速发展,外汇业务在商业银行的整体业务中所占的比重越来越高,各银行为了占据当地市场份额,争相申办外汇业务资格。近年来,各级外汇局一直积极践行外汇管理理念和方式的"五个转变",大部分原本由外汇管理局进行事前审核批准的行政许可业务下放至商业银行直接办理。银行被推到了外汇管理的前沿,承担着"真实性审查"的重要任务。但面对形势和职责变化,大多银行在执行外汇管理规定方面还存在一定的问题。本文立足淮南市地方特色,通过查找外汇管理改革进程中的相关资料文献,参考国内外相关领域的研究成果,分析近年来辖内涉外经济发展总体情况,获取与银行外汇监管有关的数据进行分析,总结评估目前淮南市银行外汇监管的政策框架及实施情况,发现存在银行履职不到位等问题,而原因主要有外汇管理政策法规众多且不成体系、展业原则下的银行操作规范缺失、外汇管理干部队伍建设有所欠缺等。针对问题和原因,笔者提出应从外汇局和商业银行两个层面入手,完善外汇管理政策法规和制度,健全银行展业原则操作规范,完善商业银行外汇业务自律机制,进一步健全商业银行内部控制制度等对策建议。这不仅有利于提高淮南市外汇管理部门的监管水平,同时有利于促进各类市场主体贸易投资便利化,维护地方涉外金融生态稳定并推动地方经济发展。
[Abstract]:With the rapid development of foreign-related economy, the proportion of foreign exchange business in the whole business of commercial banks is more and more high. In order to occupy the local market share, banks are scrambling to apply for the qualification of foreign exchange business. In recent years, foreign exchange bureaus at all levels have been actively practicing the "five transformations" of foreign exchange management concepts and methods, and most of the administrative licensing business originally approved by safe in advance has been directly handled by commercial banks. Banks have been pushed to the forefront of foreign exchange management, taking on the important task of authenticity review. However, faced with the change of situation and duty, most banks still have some problems in carrying out foreign exchange management regulations. Based on the local characteristics of Huainan City, this paper analyzes the general situation of foreign economic development in recent years by looking up relevant documents in the process of foreign exchange management reform, referring to the research results of relevant fields at home and abroad. To obtain and analyze the data related to the bank's foreign exchange supervision, summarize and evaluate the current policy framework and implementation of the bank's foreign exchange supervision in Huainan City, and find that there are problems such as the banks' failure to carry out their duties. The main reasons are a large number of foreign exchange management policies and regulations and lack of system, lack of operational norms of banks under the principle of trade development, lack of construction of foreign exchange management cadres and so on. In view of the problems and reasons, the author puts forward that the foreign exchange management policies, regulations and systems should be improved from the two aspects of safe and commercial banks, the operational norms of the principles of bank development should be improved, and the self-discipline mechanism of foreign exchange business of commercial banks should be perfected. Further improve the internal control system of commercial banks and other countermeasures. This will not only improve the supervision level of Huainan foreign exchange management department, but also promote the trade and investment facilitation of all kinds of market subjects, maintain the stability of local foreign financial ecology and promote the development of local economy.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.6

【参考文献】