关于人民币资本账户开放问题的研究.docVIP

摘 要 近年来，随着国际经济全球化、金融一体化的不断发展，中国国内外资金大规模双向流动的格局正在逐步形成，因此，如何进一步推进人民币资本账户开放的进程，就成为我们面临的一个十分重要的研究课题。本文首先对我国资本账户管理现状进行了分析总结，并从对外经济发展和经济全球化两个方面讨论了开放资本账户的必要性。然后分析了我国资本账户开放应具备的条件和环境，包括综合国力、金融体系、汇率制度及监管等问题。最后讨论了中国资本账户开放的风险管理，提出了关于商业银行改革和汇率、利率改革的建议：商业银行应按照现代企业制度要求，着眼于业务及机构调整和转换内部经营机制等方面；同时我国还应当建立和完善利率政策与汇率政策配套的传导机制，促进汇率和利率市场化。 关键词：资本账户；金融；银行；汇率  Abstract With the continuous development of economic and financial globalization in recent years，the pattern of large-scale capital inflows and outflows is gradually taking shape in China.Therefore,a pressing issue which we will have to confront is how to further promote the process of RMB capital account liberalization.The main points of this paper are as follows:First, the paper examines the current situation of Chinas capital account management,and discusses the necessity of opening the capital account from the two aspects of foreign economic development and economic globalization.Then, the paper analyzes the preconditions under which RMB capital account liberalization could be possible. These preconditions include national power, financial system, exchange rate regime, regulatory policies, supervision framework etc.Finally, the paper discusses the risk management system of RMB capital account liberalization and offers the following proposals on the reform of state-owned commercial banks,exchange rate and interest rate:commercial banks should be in accordance with the requirements of modern enterprise system, and focus on the restructuring of activities and institution and the conversion of internal operating mechanism. Meanwhile, China should establish and improve the supporting transmission mechanism of interest rate policies and exchange rate policies,and promote exchange rate and interest rate marketization. Key words：Capital account ; Finance; Bank; Exchange rate  目 录  第1章 资本账户开放的意义 1.1 资本账户的涵义 资本账户是国际收支平衡表中用来记录国际资本流动的一个账户，即资本的输入和输出，也是一国同其他国家的金融资产交易，表现为一国对外金融资产和负债的变动。资本账户也叫资本项目，是和经常项目和平衡项目相并