商业银行开展跨境人民币结算业务存在的问题及改进策略

Problems and Improvement Strategies of Cross-Border RMB Settlement Business of Commercial Banks

我国商业银行开展人民币国际业务起步晚、经验缺乏,在跨境人民币结算业务推广过程中存在诸如业务模式、结算流程、风险控制等方面的问题。究其原因,宏观方面在于跨境人民币结算制度存在缺陷,相关政策法规配套不完善;微观方面在于跨境人民币结算业务模式设计不合理,银行风险控制体系无法适应新业务发展要求,后备人才队伍短缺。要解决这些问题,一方面要分析目前跨境人民币结算制度的不足,借鉴国外成熟制度体系,制定出更加科学合理的制度,尽快出台相关政策法规;另一方面要分析现有跨境人民币业务发展模式的弊端,科学设计,提高商业银行风险防范能力。

RMB international business of commercial banks in China started late,and lack of experience. There are some problems existing in business model,risk control,settlement process of cross-border RMB settlement business promotion. The origins of the problem are the defects of cross-border RMB settlement system and relevant policies and regulations in macroscopic aspect. The microscopic aspect is the unsuit-able design of RMB settlement business model,lagging bank risk control system,and shortage of reserve personnel. To solve those problems,we should find out the shortcomings of the cross-border RMB settlement system,learn some valuable experience from foreign mature system to develop a more reasonable one,speed up the process of announce-ment and perfection of the relevant policies on one hand,on the other hand,analyze the defects of the existing develop-ment pattern of cross-border RMB business,and improve the commercial bank risk prevention capacity.