对M市商业银行的外汇监管问题研究.pdfVIP

摘 要 近年来，随着外汇管理改革和简政放权的不断推进，外汇局逐渐淡出行政审 批的管理方式，越来越多的外汇业务审核权限下放至商业银行，将商业银行“挺 在一线”，商业银行承担着尽职审查的重要责任。但是，新形势下商业银行在履 行尽职审查职责时还存在一些问题。因此，对商业银行的外汇监管显得格外重要。 本文立足实际，阐述M市商业银行外汇监管的主体、客体、方式、处置措施及取 得的成效，深刻剖析了M市商业银行外汇监管的2个典型案例，并总结出外汇局 存在监管工作机制有待健全、监管人员配置有待完善、监管系统有待升级优化等 问题，以及商业银行存在内部风险控制有待加强、执行外汇政策有待提升等问题。 针对上述问题，笔者在结合辖内实际情况的基础上，分别从外汇局层面和商业银 行层面提出有针对性的建议，不仅有利于提升M市外汇监管水平，还有利于维护 M市外汇市场健康良好秩序，从而推动M市外向型经济又好又快地发展。 关键词：商业银行；外汇；监管 I Abstract In recent years, as reforms of foreign exchange management, streamlining administration and delegating power are continuously deepened, the SAFE gradually exit the mode of administrative approval and more power of foreign exchange business are delegated to commercial banks. Therefore, the commercial banks are kept in the front line, and they have an important responsibility for customer due diligence(CDD). However, in the new period, there are some problems for banks in CDD. So the foreign exchange supervision of bank is very important. In the paper, it expounds subject, object, mode, disposal measure and effect. It deeply analyze two typical cases in the foreign exchange supervision of commercial banks, and sums up some problems in the SAFE and commercial banks, such as the supervision mechanism needs tobeperfected,the activity of supervisor needstobe improved,the supervision system needs to be optimized, internal risk control needs to be strengthened, and foreign exchange policy implementation needs to be enhanced. According to the actual situation, the author puts forward some corresponding proposals,which are not only benefit for improving the foreign exchange supervision in M City, but also maintaining a healthy and good order in the foreign exchange market of M City, so that the export-oriented economy of M city develops as well as fast. Keywords:commercialbanks foreign exchange su