商业银行跨境贸易人民币结算业务研究  

The Research on the RMB Settlement of the Cross-Border Trade of Commercial Banks

作　　者：苟红军[1] 陈迅[1] 

机构地区：[1]重庆大学经济与工商管理学院

出　　处：《金融论坛》2013年第1期52-57,共6页Finance Forum

摘　　要：本文基于SWOT方法对跨境贸易人民币结算进行分析,研究表明,商业银行开展跨境贸易人民币结算业务的优势在于我国日益增长的经济实力、金融市场体系相对稳定、居民和非居民对人民币国际结算需求明显;劣势在于境外人民币流通渠道有限、金融市场发展不够、企业选用人民币结算存在障碍。开展跨境贸易人民币结算业务有利于提升人民币的国际地位,有利于中国银行业的发展。我国商业银行应加强与境外金融机构合作,深入挖掘目标客户需求,充分利用政策创新业务,防范跨境业务风险,推进跨境贸易人民币结算业务实现又好又快地发展。Based on the SWOT method, this paper analyses the RMB settlement of cross-border trade. The results show that Chinese commercial banks＇ advantages of the RMB settlement business of cross-border trade are the Chinese growing economic strength, the relatively stable financial market system, the residents＇ and non-residents＇ explicit need for RMB international settlement; the disadvantages are the limited offshore distribution channels of RMB, the less developed financial markets, the obstacles to enterprises choosing RMB to settle. The RMB settlement business of cross-border trade is conducive to the enhancement of the international status of RMB and the development of Chinese banking sector. Chinese commercial banks should strengthen the cooperation with overseas financial institutions, search the target customer＇s needs, take full advantage of policies to innovate business, prevent the risks of cross-border business, promote the sound and rapid development of the RMB settlement business of cross-border trade.

关 键 词：商业银行 跨境贸易人民币结算 人民币国际化 SWOT方法 

分 类 号：F832.6[经济管理—金融学]