摘 要

如果商业银行想要开展国际业务，国际结算是非常必要的，来自国际结算手续费和其他收入可以极大地增加银行的利润。商业银行在国际结算业务中也非常重要，如果没有银行，国际结算业务将无法顺利进行。近年来，随着全球经济的发展，各国之间的贸易额不断增加，我国进出口贸易和国际结算额的增长是银行结算业务的重要来源。我国政府已经在政策和法律法规方面采取行动，为国际结算业务提供了良好的环境。然而，随着改革开放政策的实施，外资银行进入中国，我国商业银行在与其竞争中遇到了困难，国际结算业务方面存在一些问题和潜在的风险。本文着重分析这些结算业务中存在的问题和风险，以维护商业银行的利润。

本篇论文首先从为国际结算业务提供中介，为自身提供利润来源等几个方面总结了商业银行在国际结算业务中的重要性，从国际结算产品种类、业务量和跨境人民币结算三个方面来分析了我国商业银行国际结算业务的现状，在此基础上发现我国商业银行国际结算业务存在着品种单一、营销人员匮乏、管理体系不足等问题。其次，从结算方式、内部外部环境等方面分析我国商业银行国际结算业务中存在的风险，如利用票据进行诈骗，操作风险、政策风险等，并在此基础上提出相应的诸如强化对票据的审核工作，提高相关从业人员的工作能力、加强政策学习等风险防范措施，以尽量避免风险的发生。最后，本文提出了拓展业务种类、重视人才、简化流程等能够解决我国商业银行中存在问题的措施及对策。

关键词：商业银行；国际结算；问题；风险；对策

The Issues,Risks and Countermeasures of International Settlement Business of Commercial Bank in China

ABSTRACT

If commercial banks want to carry out international business, international settlement is very necessary. International settlement fees and other income can greatly increase the bank's profits. Commercial banks are also very important in the international settlement business. Without banks, international settlement services will not be able to proceed smoothly. In recent years, with the development of the global economy, the volume of trade between countries has continued to increase, and the growth of China's import and export trade and international settlement has been an important source of bank settlement business. The Chinese government has already taken actions in terms of policies, laws and regulations, and provided a good environment for international settlement businesses. However, with the implementation of the reform and opening up policy, foreign banks have entered China. China's commercial banks have encountered difficulties in their competition, and there are some problems and potential risks in international settlement services. This article focuses on analyzing the problems and risks that exist in these settlement businesses in order to maintain the profits of commercial banks.

This paper first summarized the importance of commercial banks in the international settlement business from the aspects of providing intermediary services for international settlement services and providing their own sources of profits, including three aspects: international settlement product types, business volume, and cross-border RMB settlement. To analyze the current status of China's commercial bank international settlement business, on this basis, we found that China's commercial bank's international settlement business has problems such as single variety, lack of marketing staff, and lack of management system. Secondly, we analyze the risks existing in the international settlement business of commercial banks in China from the aspects of settlement methods, internal and external environments, such as the use of bills for fraud, operational risks, and policy risks, etc. On this basis, corresponding proposals such as enhanced review of bills are proposed. Work, improve the working ability of relevant employees, strengthen policy learning and other risk prevention measures, in order to minimize the occurrence of risk. Finally, this paper proposes measures and countermeasures that can solve problems in China's commercial banks, such as expanding business types, valuing talents, and simplifying processes.

Key words：Commercial Bank ；International Settlement Business；Risks and Prevention Measure

目 录

第一章 绪论 1

1.1选题背景与意义 1

1.2国内外相关研究 1

1.2.1关于国际结算现状及存在问题的相关研究 1

1.2.2关于国际结算业务风险的的相关研究 2

1.2.3关于国际结算业务风险防范的相关研究 3

1.2.4已有研究述评 4

1.3研究结论及创新 4

1.3.1研究内容及方法 4

1.3.2研究创新 5

1.3.3研究不足 5

第二章 商业银行国际结算业务发展现状及存在问题 6

2.1国际结算业务概述 6

2.2商业银行开展国际结算业务的重要性分析 6

2.2.1为国际结算业务提供信用中介 6

2.2.2为自身提供利润来源 7

2.2.3为参与国际竞争提供平台 7

2.3我国商业银行国际结算业务的现状分析 7

2.3.1国际结算产品种类 7

2.3.2国际结算业务总量增长平稳 8

2.3.3我国商业银行人民币跨境结算发展迅速 9

2.4我国商业银行国际结算业务中存在的问题及成因 10

2.4.1国际结算中存在的问题 10

2.4.2我国商业银行国际结算业务中问题的成因 12

第三章 商业银行国际结算业务中存在的风险 14

3.1国际结算业务中不同结算方式的风险分析 14

3.1.1票据 14

3.1.2托收 14

3.1.3信用证 14

3.1.4福费延 15

3.2内部经营风险 16

3.2.1信用风险 16

3.2.2操作风险 16

3.2.3人事风险 17

3.3外部环境风险 17

3.3.1政策风险 17

3.3.2外部监管风险 18

3.3.3市场风险 19

3.3.4进出口商风险 19

第四章 商业银行发展国际结算业务的风险防范 21

4.1不同结算方式下的风险防范对策 21

4.1.1票据 21

4.1.2托收 21

4.1.3信用证 21

4.1.4福费延 22

4.2内部经营风险防范 22

4.2.1信用风险防范 22

4.2.2操作风险防范 23

4.2.3人事风险防范 24

4.3外部环境风险防范 25

4.3.1加强政策学习 25

4.3.2强调内部合规，防范外部监管风险 25

4.3.3健全市场调查和风险反馈 26