摘要：随着中国在全球经济、政治、军事及科技等方面越来越强大，我国的国际地位不断上升。其中，中国的经济发展可以说相当迅速，在全球金融趋于一体化的当下，人民币出现了国际化的势头。目前人民币处在国际化的初期阶段，虽然离完全国际化还有一段距离，但是人民币国际化的趋势已经势不可挡，并且中国正以积极的姿态促进、迎接人民币国际化的到来。在这个货币电子化的时代，货币的流动离不开银行电子系统。在人民币国际化的进程中，对我国银行业必将带来业务经营和风险环境方面的影响。人民币国际化将给我国银行业带来更多的机遇，但同时也有诸多挑战伴随而来。如何应对人民币国际化？银行业如何充分利用人民币国际化为人民币业务带来的优势，同时又合理应对随之而来的风险挑战？
人民币国际化对我国银行业的经营管理提出了新的要求。本文首先对人民币国际化及其条件做了介绍，再对人民币国际化过程中的历史机遇以及现状进行概述，由此引入人民币国际化对我国银行业经营的具体影响。以我国商业银行法中所述的银行经营“三性原则”为框架展开分析,具体分为人民币国际化对我国银行安全性、盈利性和流动性的影响。并且就我国银行业目前的经营状况对人民币国际化过程中我国银行业的发展提出可实施的应对策略。
关键词：人民币国际化 银行经营“三性原则” 银行业
Abstract：With the development of China, the economics, politics, military and technology of China have grown stronger and stronger. Thus international status of China has been highly risen. Particularly，Chinese economics has grown rapid, which leads to the tendency of RMB internationalization. For present, RMB internationalization is in the beginning stage. There is still a long way to go before RMB being fully internationalized. However, nothing can stop the momentum of RMB internationalization. And China has been actively prepared for the RMB internationalization. In this era of electronic money, the liquidity of money is inseparable from electronic banking systems. In the process of RMB internationalization, China's banking industry is bound to impact on the issue about banking business and risk management. RMB internationalization will bring plenty of opportunities for China's banking industry, but there are many challenges followed also. How to deal with the internationalization of RMB? How to take advantage of the RMB internationalization in RMB banking business, and how to reasonable deal with the risks and challenges followed by?
The internationalization of RMB has set new demands to China's banking management. This article first introduced RMB internationalization and its requirements. Then overviewed the historical opportunities and current situation of RMB internationalization.
Therefrom, the article carry on the detail impacts on banking management brought by RMB internationalization. The framework is set according to the "3 principles of banking management", which refers to Safety, Profitability and Liquidity. At last, the article proposed several practical strategies based on present banking industry situation in coping with RMB internationalization.
Key words: RMB internationalization "3 principles of banking management" banking industry
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