摘要
近年来,跨境支付业务呈现量大、面广、多元的特征,银行机构创新推出一系列跨境支付产品,对于丰富市场供给,助力人民币国际化发挥了重要作用。通过对山东省155家银行跨境支付业务进行专项调查,结果显示:银行机构跨境支付业务规模和结构分化明显、资金清算渠道更趋多元化、风控能力持续改善。在此基础上,对跨境支付业务发展面临的清算网络可控性、资金结算效能等挑战进行了分析,并从稳妥推进跨境清算网络建设、完善跨境支付市场机制等四个方面提出应对策略。
In recent years,the cross-border payment business presents the characteristics of large volume,wide range and diversification.Banking institutions have launched a series of cross-border payment products,which have played an important role in enriching market supply and helping RMB internationalization.The author has organized a special survey on cross-border payment business of 155 banks in the jurisdiction.The survey shows that the scale and structure of cross-border payment business of banking institutions are obviously differentiated,the channels of capital settlement are more diversified,and the risk management capability is continuously improved.On this basis,the paper analyzes the challenges faced by the development of cross-border payment business,such as the controllability of clearing network and the efficiency of capital settlement,and puts forward countermeasures from four aspects:steadily promoting the construction of cross-border clearing network and improving the cross-border payment market mechanism.
出处
《金融理论与实践》
北大核心
2020年第12期56-61,共6页
Financial Theory and Practice
关键词
商业银行
跨境支付
清算网络
风险管理
应对策略
commercial bank
cross-border payment
clearing network
risk management
coping strategies
