自主可控成关键抓手 人民币跨境支付体系建设提速

Core Viewpoint - The establishment of a self-controlled cross-border payment system for the Renminbi (RMB) is crucial for ensuring financial security, supporting the internationalization of the RMB, and enhancing China's influence in international finance [1][4]. Group 1: Current State of RMB Cross-Border Payment System - A multi-channel and widely covered RMB cross-border payment system has been basically established, facilitating various cross-border RMB transactions [2][3]. - As of September 2025, the Cross-Border Interbank Payment System (CIPS) has connected over 1,700 domestic and foreign participants, reaching more than 5,000 legal banking institutions across 189 countries and regions [3]. - In 2024, CIPS processed RMB 175 trillion in cross-border transactions, marking a 43% year-on-year increase [3]. Group 2: Importance of Self-Controlled Payment System - The need for a self-controlled RMB cross-border payment system arises from the high costs, low efficiency, and limited transparency of existing systems, exacerbated by geopolitical tensions [4][5]. - A self-controlled system is seen as a key to enhancing the RMB's role as a global currency, providing a reliable clearing infrastructure for its use in international trade [4][5]. Group 3: Future Development and Strategic Focus - Future efforts should focus on expanding network coverage, optimizing institutional rules, exploring cutting-edge technologies, and strengthening application scenarios to enhance the global influence of the RMB cross-border payment system [6]. - The development of CIPS is positioned as a critical element in this strategy, with expectations for it to become a trusted global payment system serving the real economy [6][7]. - The application of Central Bank Digital Currency (CBDC) is anticipated to improve the efficiency and security of RMB cross-border payments, while also mitigating risks from geopolitical conflicts [7].