人民币国际化对商业银行的影响By李宗泽31210563.docx

The Influence of RMB Internationalization to Commercial Bank学院名称 西南财大天府学院 私人银行专业 31210563 李宗泽 2015年1月4日Contents1.The summary of RMB internationalization.12 The Influence of RMB Internationalization to Commercial Bank business.22.1.Developing opportunity.32.2.Risk and challenge.4. 3.Conlusion.54.Reference .【Abstract】 There exist both opportunities and challenges of the influence of RMB Internationalization to commerical bank.From the view of opportunities,it is good to develop the markets,keep the customers,develop the business and improve salary of middle business.There is much space.From the view of challenges,it will strengthen the competition among commercial banks,the structures of property debt will be more complex,liquidity influenced factors will be more,and it can make it more difficult to manage the operation of business.We can see the influence of RMB international trend is closer and closer,commercial banks of China should grasp this chance,do as it go.【Key words】 RMB internationalization;commercial bank;chanllenge and opportunity;strategy1 .The summary of RMB internationalizationWith the accelerating of globalization of finance ,all of countries are in a hurry to make plans and take measures to improve enconmy competitiveness.For the currency globalization is a significant feature of enconmy globalization,it is an important measure which can decide the position of one country in the global market.After our country join in the WTO,the range of foreign trend has expanded to global market.If our country wanna develop quickly ,china must go with international trend and make RMB global gradually.RMB internationalization means that RMB curreny in circulation on aboard,Becoming a common international recognition of the process of valuation,settlement and reserve currency.Including three sides,First of all,which is most important,make the financial products by RMB accounting become an investment tool of global main finance institution including CCB,for this,the range of finance market expand continuously.Secondly,the trend by RMB settlement will reach a certain proportion in the global market.Thirdly,RMB cash circulation will be more on abord.This is the standard of weighing currency including RMB internationalization.Whats more,the first two are most important.2. The Influence of RMB Internationalization to Commercial Bank business(1) Developing opportunity1、 It is benefical to develop customers,develop and grow the structures of branches.After developing RMB marketing settlement aboard,Chinese commercial banks can make full use of RMB stock amount huge,advanced acculatig stystem,business outlets range much advantages and so on.Using these advantages to attract the customers who need RMB.Secondly,it is benefical to Chinese commercial banks cooperate with agent banks deep.On the aboarded marketing RMB settlement,Chinese commercial banks can serve for these three sides:open a RMB settlement account,provide services of buying and selling,provide RMB lending and account overdraft service.Besides,Chinese commercial bank can coorperate with foreign agent bank about money.Thirldly,it is benefical to develop the branches of Chinese commercial bank.RMB internationalization development make Chinese commercial banks branches aboard can make international accounting and some other RMB works.Own competitive advantages which foreign bank dont have.So it can make the competitive advantage improving so much aboard.2、 Bring more middle business income.RMB internationalization bring three sides of Chinese commercial bank income(1)settlement businese income,with the firms gradually know to the aborded RMB settlement business.,the range is expanding much.and the settlement of RMB extend from traditional goods marketing to service marketing and some other idoms.And cross-border RMB settlement will be much more,bring more middle income to Chinese commercial bank.(2)clear accounts income.when Chinese commercial bank developing cross-border marketing RMB settlement businese,besides do the “CCB model” it can do the “agent bank model”,which broke through the monopoly of CCB,which provide god-given opportunity to the development of RMB settlement business.(3)Money management income.with places such as Hongkong RMB markets growing,Chinese commercial bank can make use of supervision apartment allowed different kinds of RMB income and outcome channel to manage money for customers,therefore it can gain middle business income.3、 Driving the liability of business development.First of all,RMB internationalization will gain cross-border RMB amount,this can directly make Chinese commercial bank RMB desposit increase.Moreover,RMB bonds issue overseas will strongly promote RMB backflow.Until march 2011,there have been 40 sum of bonds issuing in Hongkong,the money are RMB82.78billion in total.This not only broaden Chinese commercial bank finiance channel,but also provide good marketing chances to participate in the securities issuance and underwriting.Thirldly,with future capital market gradually opening and RMB fully convertible under the capital item.There will be more and more RMB cash flow back to China,which can gain the debt source much.4、 There exist huge spaces of the capital business development.In the capital business,in addition to fund loan provided by the agency,account overdraft,carry out RMB marketing finance and borden loan are main opportunity to RMB capital business.5、 Facing to become RMB cross-border finance market business big opportunity.With more and more foreign banks participated in the Chinese bank accounts,and some related RMB products business developing,Chinese commercial bank make it possible to become RMB cross-border finance market business be the leading market.(1)RMB buying and selling be the market.As the numbers of cross-border increasing.Internationally,Goldman,sachs,citigroup,HSBC,deutsche and ubs financial giants such as main market-makers notting is not the international financial market.So,become RMB cross-border business leading market is necessary to make commercial bank join.(2) Risk and Challenge1、 Facing directly competition with foreign banks.Foreign banks are always leading the market in Hongkong and other aborad market,RMB internationalization provide opportunity for its develop Chinese native market.This kind of bank can control market by longlong rich manage experience cross-borded.And it will make much pressure on commercial bank on the contrary,2、 The difficulty of flowing management and capital debt are improving.Especially for the debt management difficulty.First of all,RMB internationalization make Chinese commercial bank capital debt pass from China to foreign countries.,and from the international market in the proportion in the balance sheet assets and liabilities will be more and more bigger.,which give big challenge to native commercial bank management.And secondly,the difficulty of flowing management.RMB internationalization bring commercial bank customers international,which asks Chinese commercial bank can meet customers needs in 24 hours.3、 Facing cross-border financial activity risks and risk of information asymmetry. First of all Cross-border financial activity risks.RMB internationalization development will break through the channel,RMB native and aborad cash flow channel,it provides a warmbed to money laundering illegal activitites objectively,which ask higher demand of commercial bank to cross-bord money survey prevention and control.Secondly,facing risk of information asymmetry.RMB internationalization pushing make Chinese commercial bank not only master inboard enterprise information,but also know aborad competitor