以数字技术推进人民币国际化的新选择——制约、路径与支持政策

A New Option to Promote the Process of RMB Internationalization with Digital Technology——Constraints,Path and Supporting Policies

新冠疫情后数字技术应用的广度和深度全面推进,为经济增长模式带来了积极动能,深刻改变着金融服务模式,丰富了人民币跨境交易、人民币金融产品的投融资以及储备手段,还为人民币国际化拓展提供了新的发展路径。本文通过剖析人民币国际化进程中的数字环境制约因素,提出如何运用数字技术手段来解决人民币国际化进程中的跨境交易、跨境投融资、机制和技术基础建设环节中遇到的问题与挑战,系统地总结了数字人民币和以人工智能、区块链、云计算和大数据为代表的数字技术可助力人民币国际化的应用场景,并给出了相应对策建议。

The breadth and depth of the application of digital technology since the COVID-19 pandemic has not only brought positive momentum to the economic growth model and profoundly changed the service model in the financial sector,but also enriched the means of overseas RMB transactions,investment and financing of RMB financial products and reserves,helping to break the constraints on cross-border RMB business.Digital technology is of great significance in providing a new development path for RMB internationalization expansion.By analyzing the constraints of the digital environment in the process of RMB internationalization,this paper proposes how to use digital technology to solve the problems and challenges encountered in cross-border transactions,cross-border investment and financing,mechanisms and technical infrastructure construction in the process of RMB internationalization.And the specific application scenarios of digital RMB and digital technologies represented by artificial intelligence,block chain,cloud computing and big data.