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论文编号：	10669
作者编号：	2120163048
上传时间：	2018/12/8 12:01:43
中文题目：	TS银行天津分行跨境人民币业务优化模式研究
英文题目：	Research on optimization model of cross-border RMB business in TS bank Tianjin branch
指导老师：	王曼舒
中文关键字：	外资银行，跨境人民币结算，优化模式
英文关键字：	Foreign bank; Cross-border RMB settlement; Optimization model
中文摘要：	自2009年我国正式开展跨境人民币结算业务开始，至今已经有近十年历程。从最初的试点城市，到2018年二月人民币跨境支付系统（CIPS）二期投产试运行，跨境人民币业务已经日臻成熟。根据SWIFT环球银行金融电信协会统计，2018年六月，全球支付货币中，人民币的使用量为1.81%，使用排名为全球第五位。人民币国际化是未来经济发展的趋势，也是我国金融业的重要任务之一。商业银行发展跨境人民币业务，一方面是响应国家推广人民币跨境结算的政策，另一方面也是顺应趋势，发展自身业务的必然选择。TS银行天津分行作为天津市最大规模的外资商业银行，在发展跨境人民币业务方面有一定的优势，但是也存在比较明显的问题。本文将以TS银行天津分行为研究对象，研究其作为一家外资商业银行发展跨境人民币业务的优化模式及这个优化模式的实施保障。 本文共分六个章节。第一章介绍了选题的背景、研究内容、研究方法以及论文的结构。第二章回顾了跨境人民币业务的相关的概念和理论，以及国内外相关研究文献；通过对理论回顾和文献综述加强了对跨境人民币业务的理论研究。第三章先介绍了行业内跨境人民币业务的发展环境及现状，然后分析了TS银行天津分行跨境人民币业务的主要内容和问题。第四章研究了TS银行天津分行跨境人民币业务的改善办法，以期构建跨境人民币业务发展的优化模式。第五章从反洗钱、内控和合规三个方面论述这个优化模式的实施保障。第六章是结论与展望，对本次研究进行总结和对研究、发展前景的展望。 本文认为，通过对TS银行天津分行跨境人民币业务产品体系、营销方式、内部管理和外部合作等方面的完善可以构建天津分行跨境人民币业务的优化模式，来促进分行业务的发展。这个优化模式的实施保障包括加强反洗钱、内控及合规等方面的管理，从而使得业务能够得到持续发展。
英文摘要：	China has been conducting cross-border RMB settlement business for nearly ten years since 2009. From the pilot cities at the beginning to the second phase of RMB cross-border payment system (CIPS) in February 2018, the cross-border RMB business has become mature year by year. According to SWIFT, in June 2018, Renminbi took 1.81% in global payments, ranking the fifth place around the world. RMB internationalization is the trend of economic development and also one of the important tasks of China's financial industry. Commercial Banks develop cross-border RMB business on the one hand in response to the national policy of promoting cross-border RMB settlements, on the other hand, they also follow the trend and develop their own business. As the largest foreign commercial bank in Tianjin, T bank Tianjin branch has advantages in developing cross-border RMB business, but it also has some obvious problems. The paper will take it as the research object to study its optimization model of developing cross-border RMB business as a foreign commercial bank and the implementation guarantee of this optimization model. This article is divided into six chapters. Chapter one introduces the background, research content, research methods and the structure of the thesis. Chapter two reviews the concepts and theories related to cross-border RMB business, as well as relevant domestic and overseas research literature. The theoretical research on cross-border RMB business is strengthened through the theoretical review and literature review. Chapter three firstly introduces the development environment and current situation of cross-border RMB business in financial industry, and then analyzes the main content and problems of cross-border RMB business of T bank Tianjin branch. Chapter four studies the improvement methods of cross-border RMB business of T bank Tianjin branch in order to build an optimization model of cross-border RMB business development. Chapter five discusses the implementation guarantee of this optimization mode from three aspects of anti-money laundering, internal control and compliance. The sixth chapter is the conclusion and prospect of this study. This paper believes that the perfection of the product system, marketing method, internal management and external cooperation of the cross-border RMB business of T bank Tianjin branch can build the optimized mode of cross-border RMB business for the bank and promote the development of the branch business. The implementation of this optimization mode includes strengthening the management of anti-money laundering, internal control and compliance, so as to make the business sustainable.
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