商业银行经常项目外汇业务事前管理方式研究

The Research on the Beforehand Management Mode of Foreign Exchange Business under Current Account of Commercial Banks——The Brief Exploration on the Mode of “Keeping Banks Standing on the First Line” in the Foreign Exchange Administration under the Curr

随着我国外汇管理改革步伐的日益加快,外汇管理工作在稳中求进、不断完善原有行政监督管理框架的同时,将简政放权向纵深推进,积极探索构建外汇市场自律机制,将越来越多的一线业务管理责任交予银行机构,要求商业银行按照"展业三原则"审慎办理外汇业务,"将银行挺在一线"逐步实现由"他律"模式到"他律+自律"模式的转变。本文结合国内银行外汇管理中存在的现实问题,通过对现行外汇监管模式下商业银行经常项目外汇业务管理现状进行剖析,以期为经常项目下"将银行挺在一线"工作要求的有效落实提供经验,不断促进外汇管理适应外汇业务发展的新形势。

With the rapid pace of the reform of foreign exchange administration in China,foreign exchange administration has steadily developed and improved existing administrative supervision and management framework.Meanwhile,the foreign exchange market self-discipline mechanism has been constructed,more and more first line business management responsibilities have been handed over to banking institutions,requiring commercial banks to handle foreign exchange business prudently in accordance with“three principles of developing business”,“keeping banks standing on the first line”and gradually realizing the transformation from“heteronomy”mode to“heteronomy+self-discipline”mode.Based on existing problems in the foreign exchange administration of domestic banks,the paper analyzes the current situation of foreign exchange business management under the current account foreign exchange supervision mode with a view to provide experience for the effective implementation of“keeping banks standing on the first line”under the current account and continuously promote the foreign exchange administration to adapt to the new situation of foreign exchange business development.