人民币国际化现状及中资银行策略

The Status Quo of RMB Internationalization and the Strategies of Chinese Banks

金融危机之后,人民币国际化的步伐显著加快。目前人民币已具备了贸易支付结算、融资、投资等功能,但人民币国际化过程中仍存在进出口贸易跨境人民币结算不平衡、境外对人民币的实体需求尚不高、人民币投资和回流途径尚缺乏等问题。为了进一步促进人民币国际化,政策方面需要充分利用人民币升值期的有利时间窗口,增强人民币的流动性、收益性和安全性。中资银行的应对策略则包括扩大、加强现有业务;渐进性地推动跨境人民币业务的开展;创新、开发多元化的人民币产品以及争取能够成为人民币产品交易的做市商。

After the financial crisis, the pace of RMB internationalization is obviously accelerated. Now RMB has the functions of trade payment, trade settlement, financing, investment and other functions. However, in the process of RMB internationalization, some problems still exist, such as the imbalance of cross-border RMB settlement between import and export trade, the lack of substantive overseas demands, RMB investment and return channels, etc. In order to promote RMB internationalization, policy makers should seize the opportunity of RMB appreciation and enhance the liquidity, profitability and safety of RMB. The tactics for Chinese banks include expanding and strengthening existing business, promoting the cross-border RMB business progressively, innovating and developing diversified RMB products and striving to be market makers for RMB products.