略论人民币汇率制度改革与国有商业银行风险

Discussing about the Reform of RMB Rate of Exchange System and State-owned Commercial Bank Risk

自2005年7月21日实行人民币汇率制度改革以来,人民币对美元一直呈单边升值的趋势,截至目前已升值10%。基于此,对国有商业银行在人民币升值过程中存在的国有商业银行外汇资本面临贬值,资产与负债的汇率风险敞口,人民币汇率浮动频率和区间加大,结售汇等中间业务的汇率风险加大等一些汇率风险进行了探讨。

Since 2005 practiced renminbi rate of exchange system reform on July 21, renminbi hat been presenting the trend of the single side appreciation to the US$, having already revalued 10% currently up to.According to this, to the state-owncd commercial bank in renminbi revalue process the existent state-owncd commercial bank foreign exchange capital faces the depreciation, the rate of exchange risk open of the assets and liability, renminbi rate of exchange floats the frequency and the zone enlargements, the knot sells to remit etc. in the center the rate of exchange risk enlargement of the busincss waited some rate of exchange risks to carry on the study.