The Internationalization Of RMB On The Impact Of Commercial Bank Business

Since the reform and opening up, China's economy has developed rapidly, comprehensive national power increases ceaselessly, the international political and economic status has been steadily upgrading. Especially in the global financial crisis in Asia, China's efforts to maintain stability of RMB exchange rate, as Asian countries emerging from the financial crisis, walk out of predicament to make enormous contribution, at the same time as the international financial situation of stability to have important influence. The international role of the RMB and the regional effect also has been greatly improved, for the internationalization of RMB to create a good foundation. At present, the RMB started in the surrounding countries and areas on the border trade in circulation, the issue of RMB internationalization has begun to attract the attention of scholars home and abroad. At the same time, the RMB internationalization path of realization is also one of the hotspots of research.Firstly, the thesis gives an overall and systematic description of theories in currency internationalization, the current status, politicaland economic significances of RMB's internationalization, and sets of positive factors that promote the internationalization of RMB. Then from the currency substitution theory, the theory of optimum currency areas and financial deepening theory content, draw lessons from the dollar, euro, yen internationalization historical experience and lessons, from theoretic analysis on commercial bank internationalization of currency may influence. Then from the commercial bank's reality, in accordance with the pros and cons of the two frame is unfolded, analysis of the internationalization of RMB on the commercial banks may influence, and puts forward the internationalization of RMB under the trend of commercial bank development policy recommendations, including:actively promote commercial bank internationalization degree, improve the ability to deal with challenges, the release of financial the vitality of innovation, enhance competitive ability, clear the RMB backflow channel, expand overseas Renminbi use areas, construction of risk management system, promote the steady management, strengthening the cooperation between governments. Finally, discusses the cross-border RMB settlement in the commercial bank business application, including the status analysis and suggestions for the future direction of development.The author thinks, although the RMB is still in the area of primary level, also not international currency, RMB internationalization trend has been established, and gradually a quantitative change to qualitative change accumulation. In the electronic money today, the flow of money basically through the banking system to complete. The internationalization of RMB will cause the commercial bank business, risk and other aspects of the environment changes, for the development of the commercial bank at the same time bring opportunities and challenges, and commercial banks management raised new requirement. The Commercial Bank of our country should speed up the system and adjust strategies to respond to the internationalization of RMB brought opportunity and challenge.