论人民币升值对我国商业银行的影响及对策分析研究 财务会计学专业

摘 要 人民币升值已经成为了一种发展趋势，并给我国的商业银行带来了一些影响。本论文重要是从一些有关于人民币升值的相关理论出发，探析了导致人民币升值的有关原因，进而分析了人民币升值给我国的商业银行所带来的积极影响与消极影响。在论文的最后为我国商业银行应对人民币升值提出了合理的对策。关键词：人民币升值；商业银行；影响；对策Abstract The appreciation of the renminbi has become a development trend, and give the commercial banks of our country have brought some influence. This thesis is from some about the Renminbi revaluation theory of RMB appreciation, leading to the reason, further analysis of the revaluation of the RMB to China's commercial banks by the positive and negative influence. At the end of the thesis for the Commercial Bank of our country RMB revaluation should put forward reasonable countermeasures.Key words: RMB appreciation; commercial bank; impact; countermeasure目 录1.人民币升值的相关理论阐述..........................................11.1 国际收支理论.................................................11.2 利率平价理论.................................................11.3 商业银行资产负债综合管理理论.................................22.人民币升值的原因分析..............................................22.1 国内经济持续高速增长.........................................22.2 国际收支顺差及外汇储备的增长.................................32.3 发达国家的强大压力...........................................32.4 美元持续走软.................................................43.人民币升值对我国商业银行的影响....................................43.1 积极影响.....................................................43.1.1 人民币升值有利于提高我国银行的国际竞争力...............43.1.2 人民币升值有利于银行扩大外汇市场交易...................53.1.3 人民币升值会吸引外资扩大商业银行的资产规模.............53.2 消极影响.....................................................53.2.1 人民币升值会降低...