近日，中国人民银行表示将加快建设人民币跨境支付体系，以提升人民币在国际贸易和金融交易中的使用效率与安全性。这一举措旨在进一步推动人民币国际化进程，减少对美元主导的SWIFT系统的依赖，并增强中国在全球金融基础设施中的话语权。当前，人民币跨境支付系统（CIPS）已覆盖全球100多个国家和地区，接入上千家金融机构。央行强调，未来将优化CIPS功能，提升清算效率，扩大参与者范围，并加强与其他国家支付系统的互联互通。同时，还将推动数字人民币在跨境场景中的试点应用，探索更高效、低成本的跨境结算新模式。建设安全、高效、自主可控的人民币跨境支付体系，不仅有助于中国企业规避汇率风险和制裁风险，也有利于深化“一带一路”沿线国家的经贸合作，为全球多边贸易体系提供新选择。此举标志着中国正从金融基础设施底层发力，稳步推进人民币国际化战略。
Recently, the People’s Bank of China (PBOC) announced it will accelerate the development of a cross-border payment system for the renminbi (RMB), aiming to enhance the efficiency and security of RMB usage in international trade and financial transactions. This move is intended to further advance RMB internationalization, reduce reliance on the U.S. dollar-dominated SWIFT system, and strengthen China’s influence in global financial infrastructure.The Cross-Border Interbank Payment System (CIPS) currently serves over 100 countries and regions, connecting more than 1,000 financial institutions. The PBOC emphasized that future efforts will focus on optimizing CIPS functionality, improving clearing efficiency, expanding participant access, and enhancing interoperability with other national payment systems. Additionally, pilot programs for the digital yuan (e-CNY) in cross-border scenarios will be expanded to explore more efficient and cost-effective settlement models.Building a secure, efficient, and independently controllable RMB cross-border payment infrastructure not only helps Chinese enterprises mitigate foreign exchange and sanctions risks but also deepens economic cooperation with Belt and Road Initiative partner countries, offering an alternative within the global multilateral trade framework. This initiative underscores China’s strategic push toward RMB internationalization through foundational financial infrastructure upgrades.
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