论人民币升值对商业银行的影响及其对策

Analysis of RMB Appreciation's Influence on Commercial Banks

目前,人民币汇率呈现不断上升的态势。对于商业银行业务发展来说,人民币升值与之密切相关。本文就人民币升值对商业银行的授信业务、外汇资金业务、存贷款流动性管理、国际贸易结算业务等的正、负面影响进行了分析,提出调整及优化银行信贷结构、积极拓展业务领域、推出汇率衍生产品、提高客户服务能力、引进专业人才、优化外汇业务发展策略、加强境内外分行间联动等运营对策。

Recently the renminbi （RMB） has shown a continuous appreciation trend. Commercial banking development is closely related to appreciation of the RMB in the long run. This paper analyses mainly RMB appreciation＇s positive and negative influence on the commercial bank credit business, foreign exchange fired business, deposit and loan liquidity management and settlement business of international trade respectively. Meanwhile, it puts forward the related development strategies, including adjusling and optimizing the structure of bank credit, expanding business field actively, launching exchange rate derivatives, improving customer smrvice skills, introducing professional talents, strengthening currencies business, etc. Besides that, it also tells us the operation strategy on how to strengthen linkage between domestic and overseas branches.