商业银行跨境人民币业务的机遇与挑战

The Opportunities and Challenges of Cross-Border Renminbi Business of Commercial Banks

跨境人民币业务发展有助于提升银行综合竞争力,促进银行国际化进程,拓展优质客户资源、银行资产负债业务,增加中间业务收入,促进银行金融创新。但是,目前跨境人民币业务境外接受程度不高,未形成规模优势,业务创新能力不足,国际化经营和全球服务能力有待提升,同时业务市场竞争压力在加大。中资商业银行应加快推进国际化经营和全球结算网络建设,不断提升金融创新能力,巩固和扩大境内外客户资源,提升境内外机构的风险管理能力,培养和引进各类国际专业人才,抢占跨境人民币业务市场,提升在国际银行中的竞争力和影响力。

The development of cross-border renminbi business will enhance the comprehensive competitiveness of banks,promote the process of banking internationalization,expand high-quality customer resources and the balance business of banks,increase intermediary business revenue and promote the financial innovation of banks.However,at present,the cross-border renminbi business is not highly accepted outside and it has not formed the advantage of scale.The innovation ability of cross-border renminbi business is low and the international operation and the ability of global service should be upgraded.Meanwhile,the pressure of market competition is increasing.Chinese commercial banks should accelerate international operations and the construction of global clearing network,improve the ability of financial innovation,consolidate and expand the resources of domestic and overseas clients,improve domestic and foreign institutions' abilities to manage risks management,train and introduce various kinds of international talents,seize the markets of cross-border RMB business,enhance competitiveness and influence in international banking.