基于商业银行微观视角的跨境人民币业务创新

Transnational RMB Business Innovation Based upon Microscopic Analysis of Commercial Banks

自人民币国际化进程启动以来,跨境人民币业务发展迅速,业务规模呈现爆发式增长。根据十二五规划纲要,未来五年我国将逐步实现人民币资本项目可兑换,稳步推进利率市场化改革,完善有管理的浮动汇率制度。作为跨境人民币业务的重要推动力量,我国商业银行在人民币国际化进程中起到了重要的作用,但仍然是一项全新的业务,机遇与挑战并存。本文从商业银行的角度,在分析跨境人民币业务创新现状和意义的同时,指出该项业务创新面临多方面的挑战,要取得突破,应进一步明确跨境人民币业务的发展方向、提高资产负债管理和风险管理水平、加快系统建设并加强人才储备。

Since the initiation of internationalization of RMB,transnational RMB business develops very fast,with exploding growth in business scale.According to principles of＂12th 5-year plan＂,RMB capital account convertibility will be gradually realized,interest market reform will be promoted,and the current floating exchange rate system will be improved in the following 5 years.As the major driving force behind transnational RMB business,commercial banks in China play a key role in the internationalization of RMB.Nevertheless,transnational RMB business is still a new business full of opportunities and challenges.This paper analyzes status-quo and significance of transnational RMB business innovation from the perspective of commercial banks,and hence proposes that this business innovation is facing various challenges,and the breakthrough will be made by setting a clear vision of the development of transnational RMB business,improving asset-liability and risk management level,accelerating system construction and consolidating talent reserve.