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近年来,我国政府为加快投融资体制改革出台了一系列改革政策。基于我国外债改革实践,2015年北京外汇管理部下发了京汇【2015】43号及318号文,提出在中关村“国家自主创新示范区”实施外债宏观审慎管理外汇改革试点政策,上述新政及后续人民银行下发的相关文件为企业拓宽融资渠道、从境外市场融通资金提供了政策依据。随着银行国际化经营步伐的加快,境内银行与境外子/分行的联动以及对客户的全球服务能力在不断提升,新政的落地也促进着银行加快全球化的布局及经营能力。本文将介绍银行如何通过境内外跨境联动并利用外债新政进行产品创新,希望能给读者带来借鉴和思考。
In recent years, our government has introduced a series of reform policies to speed up the reform of investment and financing system. Based on the practice of China’s foreign debt reform, in 2015, Beijing Administration of Foreign Exchange issued [2009] No.43 and No.318 Opinions issued by Beijing Administration of Foreign Exchange and put forward the pilot policy of implementing the macro prudential management of foreign exchange reform in foreign debt in Zhongguancun "National Innovation Demonstration Zone And the subsequent PBC issued relevant documents for enterprises to broaden the financing channels, financing from overseas markets provide a policy basis. With the accelerating pace of internationalization of banks, the linkage between domestic banks and overseas sub-branches and the continuous improvement of global service capabilities for customers, the implementation of the New Deal has also promoted the banks’ ability to accelerate the layout and operation of globalization. This article will introduce how banks through domestic and foreign cross-border interaction and the use of foreign debt New Deal for product innovation, hoping to bring readers reference and reflection.