摘 要：人民币国际结算在宏观和企业层面都具有重大的积极意义。目前，我国已经初步具备人民币国际结算的良好条件。人民币国际结算有助于中资商业银行提升竞争力、获取新客户、拓展收入来源，但银行也面临系统调整、相关制度和流程缺失等挑战。人民币国际结算还带来人民币境外债权债务、外汇管理和货币政策等监管和政策问题。建议妥善安排海外人民币债权的运作渠道，监管调控与统计监测也应及时跟上，稳步推进人民币用于国际结算。关键词：人民币；跨境；结算风险The risk of cross-border settlement
摘 要：人民币国际结算在宏观和企业层面都具有重大的积极意义。目前，我国已经初步具备人民币国际结算的良好条件。人民币国际结算有助于中资商业银行提升竞争力、获取新客户、拓展收入来源，但银行也面临系统调整、相关制度和流程缺失等挑战。人民币国际结算还带来人民币境外债权债务、外汇管理和货币政策等监管和政策问题。建议妥善安排海外人民币债权的运作渠道，监管调控与统计监测也应及时跟上，稳步推进人民币用于国际结算。
关键词：人民币；跨境；结算风险
The risk of cross-border settlement of RMB
Abstract: The internationalization of the RMB settlement in the macroeconomic and enterprise levels have a significant positive role. At present, China has begun to have good conditions for International Settlements, the yuan. RMB International Settlements, the Chinese-funded commercial banks will help improve competitiveness, access to new customers, expanding sources of income, but the banking system also faced adjustments related challenges such as lack of systems and processes. RMB yuan for International Settlements also brought outside the credit and debt, foreign exchange management and monetary policy, regulatory and policy issues. Recommend appropriate arrangements for the operation of overseas debt of RMB channels, monitoring control and statistical monitoring should also be kept pace with the steady advance of RMB for International Settlements.
Key words: RMB; cross-border ; settlement risk
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