本文根据当前国内外金融环境现状，分析近期境内外金融整体形势，对各国的汇
率政策及外汇变化的情况进行简单分析。对一年以来国内的金融形势作出小结，对我
国银行业史无前例、规模空前的“钱荒”事件作出概述，对银行业流动性管控带来对
中国经济存在的影响作出分析，并对国外主要市场的外汇变化情况作出汇总和比较
对在我国境内、外均有经营的跨国企业在跨境经营的过程中，面临的困境与机遇
分别作出陈述，提出在如此独特市场环境下，企业应如何利用跨境政策与市场价格差
异因素，合理合规地赢取最大化盈利机会作出分析。文中对当前宏观经济环境资金面
紧张的背景下，境内外融资差异作了比较，并针对不同类型的跨境投资企业的融资手
段及金融服务方式作出建议，为企寻求解决投资经营资金来源问题
根据作者工作实践，文章重点对各种不同类型与经营性质的企业列举出大量案例
由于个人工作关系，研究也较多以粤、港、澳跨地区经营的市场环境及特色金融方案
为主（其中部分跨境政策也仅限于广东省内逐步试行并未对社会全面公开），这些案例
具备真实的实践意义，文中结合本人工作情况，对银行金融服务及产品流程作出详细
的介绍，让企业直观了解业务模式与原理，企业案例均为已成功办理的案例分析，具
有现实借鉴意义
最后，文章分析当前金融业改革对跨境投资企业的利好因素，提醒企业应面对挑
战，充分了解政策，抓住机遇，合理利用境内外差异因素，在投资经营过程中获得资
源使用最优化，使企业自身的经营与投资收益最大化。文章建议企业对国家金融创新
政策的积极推动作出积极反应，强调这些给力的政策对于跨境投资的企业的重要性，
对企业是非常难得的好机遇。文中汇总了上海自贸区和深圳前海两个比较特殊的经济
区域的经济政策并作出比较，提出当前的跨境企业应该抓住机遇好好利用国家对金融
经济区的发展和投资机遇
关键词：金融环境；跨境融资；机遇
II
Abstract
The changes in the current domestic and foreign financial environment are highly un-
predictable, and there are many differences between China and overseas economic and
financial policies, also in the financial market prices. Continuous unrest of the global
economy in recent years, as global various countries successively through the election year, in
the political and economic environment, highly stable situation, will inevitably lead to
differences of the investment and financing environment regions in the world.
In this paper, I would analyze the recent financial overall situation, changes in the
exchange rate policy and foreign currencies circumstances based on the current domestic and
foreign financial environment. Also, I would expounded the domestic financial environment
within the year, and the unprecedented money shortage event in China's banking area. On
the other hand, I would analyze the banking liquidity controls with the impact of the existing
Chinese economic circumstances, and to compare the changes between domestic and foreign
markets. To have business outside the territory of China, multinational companies in the
process of cross-border operation, are facing the predicament and opportunity. In such a
unique market environment, enterprises should make use of difference factors of cross-border
policy and the market price to win the maximum profit. I try to explain how enterprises make
profits Under the background of the current macroeconomic environment.I try to make a
detailed analysis for the M company, a cross-border company, to make a detailed financial
plan according to the back ground and financial situation.
According to the author's working practice, various types of enterprises are also listed in
the vast majority of cases. Many cases are in different markets—Guangdong, Hong Kong,
Macao (some of these cross-border policy is confined to the Guangdong gradually trial and
did not fully open to society). These cases have real practical significance. Financial services
for Banks are introduced for enterprise, to understand the business model and principle, with
practical significance.
Finally, the article analyze the current financial sector reform on cross-border investment
enterprises, reminding that enterprises should face the challenge, seize the opportunity and
make the maximize return on investment. The article suggests that enterprises should promote
a positive reaction for the country's financial innovation policy, which is a very good
opportunity for business. In the end, I summarize the economic policies of free trade zone inShanghai and Shenzhen Qianhai , making comparison, and propose cross-border enterprises
to seize the opportunity of the current policies.
Key words: financial environment; cross-border financing; opportunity
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