商业银行落实外汇便利化政策的问题及对策建议

Problems and Countermeasures of Implementing Foreign Exchange Facilitation Policy in Commercial Banks

近年来,为深入推进“放管服”改革,支持涉外经济健康平稳发展,国家外汇管理局陆续出台了一系列便利化政策。在外汇业务中,商业银行作为连接外汇监管部门和各类市场主体的重要一环,肩负着服务实体经济、防范跨境金融风险、落实外汇监管政策等多重职责,银行落实效果是便利化改革能否真正见效的关键点。论文通过分析外汇便利化政策对商业银行和市场主体的影响,深入剖析商业银行落实外汇便利化政策过程中存在的问题及成因,并在此基础上提出针对性对策建议。

In recent years,in order to further promote the reform of"streamlining administration and delegate power,improving regulation,and upgrading services"and support the healthy and steady development of foreign economy,the State Administration of Foreign Exchange has issued a series of facilitation policies.In foreign exchange business,commercial banks,as an important link between foreign exchange regulatory authorities and various market subjects,shoulder multiple responsibilities such as serving the real economy,preventing cross-border financial risks,and implementing foreign exchange regulatory policies.The implementation effect of banks is the key to whether the facilitation reform can really take effect.By analyzing the influence of foreign exchange facilitation policy on commercial banks and market subjects,the paper deeply analyzes the problems and causes of commercial banks in the process of implementing foreign exchange facilitation policy,and puts forward targeted countermeasures and suggestions on this basis.