摘要：自从人民币跨境结算业务开放试点，人民币跨境使用的规模快速增长，有力地促进了贸易和投资的便利化，给国内商业银行的国际业务发展带来了历史性的机遇。在试点过程中也存在一些阻碍人民币跨境结算业务发展的问题。本文围绕平安银行人民币跨境结算业务，第一章，介绍了平安银行人民币跨境结算业务的基本内涵、发展历程及现状。第二章，主要从平安银行对企业信息的真实性审核存在困难，境外市场的汇率、利率波动较大，银行从业人员的业务操作缺乏规范性，分析了平安银行人民币跨境结算业务的主要问题及产生的原因；第三章借鉴中国银行开展人民币跨境结算业务的成功经验；第四章就前三章的分析提出建议，认为平安银行应完善人民币跨境结算业务的相关制度建设，加强人民币跨境结算业务的相关组织建设和人民币跨境结算业务的保障体系建设。

关键词：平安银行；人民币跨境结算；银行风险

Ping An Bank of Cross-border RMB Settlement Business

Abstract：Since the opening of the cross-border RMB settlement business, the rapid increase in the scale of RMB cross-border use has effectively promoted the facilitation of trade and investment, and provided a historic opportunity for the internationalization of domestic commercial banks. In the course of the operation there are some problems that hinder the development of the business. The paper takes Ping An Bank RMB cross-border settlement business as the starting point, the first chapter introduces the  basic connotation, development process and current situation of the RMB cross-border settlement business of Ping An Bank; The second chapter includes the truth which is difficult to audit the enterprise information, the overseas market exchange rate, interest rate changes greatly, the business operation of bank employees lack of standardization. To analysis the main problems of cross-border RMB settlement business of Ping An Bank and the reasons. The third chapter refers to the successful experience of RMB cross-border settlement business of Bank of china. The fourth chapter analyzes the structure of the Bank in the first three chapters. That the Bank should improve the RMB cross-border settlement business related to the system construction, strengthen the RMB cross-border settlement business related to the organization, strengthen the RMB cross-border settlement business security system.

Keywords: Ping An Bank; RMB cross - border settlement; Bank risk

目 录

0引言 1

1平安银行人民币跨境结算业务发展概述 1

1.1平安银行人民币跨境结算业务的基本内涵 1

1.2平安银行人民币跨境结算业务的发展历程 2

1.3平安银行人民币跨境结算业务的现状 3

2平安银行人民币跨境结算业务主要问题及原因分析 3

2.1银行对于企业信息的真实性难以有效地审核 4

2.2境外市场汇率、利率变动幅度较大 4

2.3银行人民币跨境结算业务操作缺乏规范性 5

3其他银行经验借鉴 6

3.1改变业务营销模式 6

3.2建立客户细分模式 7

3.3重新规划产品的实施方案 9

4平安银行进一步发展人民币跨境结算业务的对策建议