As Taiwan is not a UN member, it is excluded from various international currency clearance and settlement mechanisms. Furthermore, the RMB is a controlled currency and not freely traded internationally. Taiwan banks that offer RMB exchange services need to cover their RMB transactions with a reliable clearance and settlement bank, so as not to risk being left with insufficient supply of the currency.
台灣因非聯合國會員國，本就被排拒在各種國際貨幣清算機制之外，兩岸匯兌的風險更在於，人民幣是受到管制、並非國際流通的貨幣，台灣各銀行一旦開放人民幣兌換，必須確保能與可靠的「清算銀行」進行人民幣的買賣、拋補等業務，才不致出現貨源不足的窘境。