记者 陈月石 张飒

reporter ChenYueShi ZhangSa

　　韩国央行和韩国企划财政部12月4日发布的一份联合申明显示，该行已经与中国人民银行达成协议。 

The bank of Korea and South Korea project on December 4, the ministry of finance issued a joint statement shows,The bank has reached an agreement with the people's bank of China. 

　　■ 两国企业获准使用央行间货币互换额度

s The two countries enterprise is allowed to use the central bank currency swap line between

　　■ 借入韩元或人民币进行贸易结算

s Borrowed won or yuan trade settlement

　　韩国央行和韩国企划财政部12月4日发布的一份联合申明显示，该行已经与中国人民银行达成协议，将在本月内动用中韩两国3600亿元的货币互换协议，鼓励两国企业使用人民币或韩元进行双边贸易结算。

The bank of Korea and South Korea project on December 4, the ministry of finance issued a joint statement shows,The bank has reached an agreement with the people's bank of China,Will this month in the use of the two countries in 360 billion yuan currency swap agreement,The two countries encourage enterprises to use RMB or won for bilateral trade settlement.

　　所谓货币互换，就是两个国家的中央银行签订一个协议，约定在某个时间内，以某种汇率可以换取多少数量的货币。2008年金融危机时，中国和多个国家或地区签订了货币互换协议，以期如果发生汇率风险能够互助以确保流动性无忧。

The so-called currency swap,Are two of the country's central bank signed an agreement,Agreed in a certain time,In some rate can exchange for how many amount of money.When the financial crisis in 2008,China and many countries or regions signed a currency swap agreement,If you happen to exchange rate risk can mutual to ensure liquidity worry about.

　　如今，随着危机过去，货币互换协议似乎更倾向于促进贸易功能——中国和相关地区可以“抛开”美元，直接以本币进行贸易结算，从而规避汇率风险。

now,As the crisis in the past,Currency swap agreement seems to be closer to promote trade function - China and related areas can"despite"dollars,Direct to local currency for trade settlement,So as to avoid exchange rate risk.

　　可查的资料显示，韩国央行最早于2008年12月（次贷危机最激烈的时刻）与中国签订了260亿美元的双边货币互换协议。2011年10月，中国与韩国又将货币互换协议规模扩至3600亿元（64万亿韩元），并延长期限至2014年。

Can check data shows,The bank of Korea first in December 2008(The subprime crisis the most intense moments)And China signed a $26 billion bilateral currency swap agreement.In October 2011,China and South Korea and currency swap agreement scale extend to 360 billion yuan(64 trillion won),And the extension to 2014.

　　“银行缺韩币头寸” 

"Bank lack of han position" 

　　韩国央行和企划财政部在昨日表示，中韩两国央行将根据货币互换协议，各自在对方银行开设账户，并存入本国货币。两国央行然后均可将上述账户中的资金提供给本国的商业银行用于发放外币贷款，用于贸易票据的结算。

The bank of Korea and planning in the ministry of finance said yesterday,The two countries' central bank will according to the currency swap agreement,Each other in open bank account,And in local currency.The two countries are the central bank and the account funds to provide the domestic commercial Banks used to issue foreign currency loans,Used for the settlement of trade bills.

　　譬如，今后韩国国内银行可以贷款人民币给韩国进口企业，用于向中国出口企业缴纳货款。根据昨日公布的细节，韩国央行将在12月中旬选定一家贷款对象银行，并签订有关利用货币互换资金进行外币贷款的基本协议。贷款规模由上述指定银行自行申请，但韩国央行可以在必要时规定贷款额的上限和下限。贷款期限为三个月或六个月，贷款利率为上海银行间同业拆放利率（Shibor）。

Such as,South Korea in the future domestic Banks can loan RMB to south Korean import enterprise,Used for the export to China enterprise pay payment for goods.According to the details of the released yesterday,The bank of Korea will be in the middle of December and selected a bank loan object,And sign the use of currency exchange foreign currency loan money for the basic agreement.The size of the loan by the nominated bank to apply for,But the bank of Korea can be in when necessary provisions of loan specified amount upper and lower specification limits.Loan time limit for three months or 6 months,Loan interest rate for Shanghai to the interbank loan interest rates(Shibor).

　　据了解，为了方便中国央行与商业银行之间的韩元交易，韩国企划财政部同时修订了现行的相关制度。原本对于非居住者之间的韩币交易需要向韩国政府进行申报，但今后有关两国间货币互换资金的贷款则不再需要申报。

It is understood,In order to facilitate China's central bank and commercial Banks of the trade between the won,South Korea project finance and revised the relevant system.Originally in the habitant of trade between the han to the south Korean government to declare,But in the future between the two countries about currency swap fund loan, no need to declare.

　　上述贷款安排究竟能够在多大程度上方便企业？

The loan arrangement in what to what extent convenient enterprise?

　　一位银行业内人士告诉早报记者，由于韩国在双边贸易中处于顺差状态，韩国外贸企业难以从韩国国内银行获得人民币，因此预计上述业务在韩国还是会有很大的市场需求的。

A bank industry sources told reporters morning post,Because of South Korea in bilateral trade surplus in the state,South Korea to foreign trade enterprises from South Korea domestic bank for RMB,So the above is expected to business in South Korea or there will be a large market demand.

　　而对国内情况，另一位业内人士介绍，目前国内有部分银行可以做韩币贷款，譬如在威海等和韩国贸易额很多的城市，部分银行提供韩币贷款服务。但是对于大部分银行来说，“韩币贷款业务当然可以做，但是哪来的头寸呢？”因此预计新机制也能起到明显的作用。

But to the domestic situation,Another the personage inside course of study introduces,At present domestic some bank can do han loans,Such as in weihai, etc and South Korea trade a lot of city,Part of the bank loan service provide han.But for most for Banks,"Han loan business can be done of course,But where to position it?"So the new mechanism is expected to also can play a significant role.

　　另据上海社会科学院世界经济研究所副所长徐明棋介绍，中国与韩国签署了货币互换协议，更多的是表现为一种信贷安排，并不是真的投入相应的真实资金。这也就是说，将来如果做贸易结算，也不是说一定要每一笔交易都要两国央行互换货币，而只需要在额度内进行即可。

Another according to the Shanghai academy of social sciences institute of world economy XuMingQi deputy director is introduced,China and South Korea signed a currency swap agreement,More is shown as a kind of credit arrangement,Not really into the corresponding real money.This also means,In the future if do trade settlement,It's not that must each trade between the two countries to the central bank swap,And only need to be within the limit can be.

　　助力人民币国际化 

Power RMB internationalization 

　　韩国央行昨日表示，中韩两国的双边贸易虽然迅猛增长，但在实际结算中使用韩元或人民币结算的金额占比仍然非常小。因此，将货币互换协议的资金用于贸易结算，不仅能帮助两国企业降低贸易成本，还有助于两国政府推动本币国际化。

The bank of Korea said yesterday,China and South Korea bilateral trade although rapid growth,But in actual settlement use won or RMB settlement account for the amount of than is still very small.so,The currency swap agreement money for trade settlement,The two countries not only can help enterprise to reduce the cost of trading,Also help the two governments promote local currency internationalization.

　　据路透社报道，中国是韩国最大的出口市场，占韩国出口总规模的约四分之一，但以人民币或韩元进行支付的规模只约占3%，大部分交易仍以美元结算。

Boston (Reuters) -,China is South Korea's largest export market,South Korea accounts for about a quarter of the total export scale,But in RMB or won pay scale only accounted for 3%,Most of the transaction is still settled in us dollars.

　　一位银行业内人士在接受早报记者采访时表示，“由于国家在推进人民币的跨境贸易结算，一般情况下，在处理跨国贸易结算时，（银行）会优先向客户推荐使用人民币来结算；但企业在实际结算中，还是更多的选择美元。”

A bank the personage inside course of study in accepting morning paper reporter to interview said,"Because of countries in promoting cross-border yuan trade settlement,generally,In dealing with international trade balance,(The bank)Will give priority to customers for the use of RMB to settlement;But in actual settlement in enterprise,Or more choice dollars."

　　“现在货币互换协议可以用来进行双边贸易结算，意味着韩国企业可以随时通过韩国国内的商业银行来获得人民币，如果这一机制能够稳定下来，韩国企业在交易中或许就更加愿意使用人民币来结算。”上述人士表示。

"Now the currency swap agreement can be used for bilateral trade settlement,Would have meant that the south Korean enterprise can at any time through the South Korea domestic commercial bank for RMB,If this mechanism can be stabilized,South Korean enterprises in the deal might be more willing to use RMB to settlement."The people said.

　　值得一提的是，此前多有业内人士提醒，随着人民币快速升值周期结束，人民币贸易结算目前正面临增长瓶颈。目前推出互换协议促进贸易显然有助于人民币更好地国际化。

Be worth what carry is,After much the personage inside course of study warns,Along with the rapid appreciation of the cycle is complete,The yuan trade settlement at present is facing the bottlenecks.Now launch swap agreement to promote trade obviously better RMB internationalization.

　　昨日也有专家提及，由于之前韩国和日本曾爆发领土纠纷，因此韩国和中国之间更好地促进贸易或许也有政治方面的考量。

Yesterday also have experts mentioned,Before because of South Korea and Japan have outbreak territorial disputes,So between South Korea and China better promote trade may also have political considerations.