| 商业银行开展跨境人民币结算业务存在的问题及改进策略 |
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| 引用本文： | 石立帅.商业银行开展跨境人民币结算业务存在的问题及改进策略[J].河北工程技术职业学院学报,2014(2):13-19. |
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| 作者姓名： | 石立帅 |
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| 作者单位： | 河南大学经济学院,河南开封475000 |
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| 摘 要： | 我国商业银行开展人民币国际业务起步晚、经验缺乏，在跨境人民币结算业务推广过程中存在诸如业务模式、结算流程、风险控制等方面的问题。究其原因，宏观方面在于跨境人民币结算制度存在缺陷，相关政策法规配套不完善；微观方面在于跨境人民币结算业务模式设计不合理，银行风险控制体系无法适应新业务发展要求，后备人才队伍短缺。要解决这些问题，一方面要分析目前跨境人民币结算制度的不足，借鉴国外成熟制度体系，制定出更加科学合理的制度，尽快出台相关政策法规；另一方面要分析现有跨境人民币业务发展模式的弊端，科学设计，提高商业银行风险防范能力。
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| 关 键 词： | 跨境人民币结算 商业银行 业务创新 |
Problems and Improvement Strategies of Cross-Border RMB Settlement Business of Commercial Banks |
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| Authors: | SHI Li-shuai |
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| Institution: | SHI Li-shuai (School of Economics of Henan University Henan Kaifeng 475000, China) |
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| Abstract: | RMB international business of commercial banks in China started late,and lack of experience. There are some problems existing in business model,risk control,settlement process of cross-border RMB settlement business promotion. The origins of the problem are the defects of cross-border RMB settlement system and relevant policies and regulations in macroscopic aspect. The microscopic aspect is the unsuit-able design of RMB settlement business model,lagging bank risk control system,and shortage of reserve personnel. To solve those problems,we should find out the shortcomings of the cross-border RMB settlement system,learn some valuable experience from foreign mature system to develop a more reasonable one,speed up the process of announce-ment and perfection of the relevant policies on one hand,on the other hand,analyze the defects of the existing develop-ment pattern of cross-border RMB business,and improve the commercial bank risk prevention capacity. |
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| Keywords: | cross-border RMB settlement commercial banks business innovation |
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