人民币国际化提速下中资银行“走出去”——基于美国、日本与德国的经验分析  

Chinese Banks“Going Out”under the Acceleration of RMB Internationalization——Based on the Experience of the United States,Japan and Germany

作　　者：钟晨[1] 吴雄 ZHONG Chen;WU Xiong(Applied Economics Research Mobile Station,Southwestern University of Finance and Economics,Chengdu 611130,China;School of Business,Sichuan Normal University,Chengdu 610066,China;Office of the Party Committee,Sichuan University,Chengdu 610065,China)

机构地区：[1]西南财经大学应用经济学科研流动站(四川师范大学商学院),四川成都611130 [2]四川大学党委办公室,四川成都610065

出　　处：《经济体制改革》2020年第5期171-177,共7页Reform of Economic System

摘　　要：本文基于货币国际化对银行"走出去"产生影响的理论逻辑和现实背景,分析了人民币国际化提速下中资银行"走出去"的机遇与挑战。研究表明,美元国际地位的强势促进了美国银行"走出去";"日元-日企-银行"三者之间形成了协同发展效应,以闭环方式助力日元国际地位的提升和日本银行业海外规模的扩张;德国政府对银行海外业务的长期限制使得本国银行错失了进军海外的机会。鉴于此,中资银行应抓住人民币国际化提速契机,夯实内功,积极拓展海外市场,严防人民币国际化提速过程中的各类风险,最终实现"人民币-中企-银行"海外协同发展效应最大化。Based on the theoretical logic and practical background of the impact of currency internationalization,this paper analyzes the opportunities and challenges of Chinese banks’going out.International experience shows that the strong international position of the US dollar promotes the"going out"of the bank of America;the collaborative synergistic effect of"yen-Japanese enterprise-banks"helps each other;the long-term restrictions of the German government on the bank’s overseas business make the domestic banks miss the opportunity to enter the overseas market.In view of this,Chinese banks should seize the opportunity of RMB internationalization acceleration,strengthen their abilities,actively expand overseas markets,strictly prevent all kinds of risks,and realize the maximization of overseas collaborative synergistic effect of"RMB-Chinese EnterprisesBanks".

关 键 词：人民币国际化 中资银行“走出去” 美日德经验 应对策略 

分 类 号：F832.6[经济管理—金融学]