全球货币支付占比：欧元涨到37.79%，美元降至38.85%，那人民币占比多少？

Core Insights - The article highlights a significant shift in global currency payment proportions, with the euro's share rising to 37.79% and the dollar's share decreasing to 38.85%, indicating a narrowing gap between the two currencies [1][3][10] - The increase in euro usage is attributed to the recovery of the European economy and more stable monetary policies from the European Central Bank, while the dollar's decline is linked to fluctuations in U.S. interest rates [3][4] - The Chinese yuan has also seen growth, reaching a 4.61% share in global payments, up from less than 2% in 2020, driven by China's expanding trade relationships [4][7][10] Currency Payment Trends - The euro's payment share increased by nearly 6 percentage points over the past year, while the dollar's share dropped by over 3 percentage points, reflecting a rare speed of change in the international monetary system [1][3] - The total foreign trade of Germany, France, and Italy alone exceeded 4 trillion euros in 2024, showcasing the active internal trade within the EU [3][4] - The yuan's cross-border payment amount exceeded 52 trillion yuan in the first 11 months of 2024, marking a 24.1% year-on-year growth [4][5] Factors Influencing Currency Choices - The preference for euro payments among European traders is driven by lower exchange rate risks and transaction costs [1][3] - The rise of the yuan in international trade is supported by China's position as the world's second-largest economy and its increasing trade with various countries [4][5] - The development of multiple cross-border payment systems, such as CIPS and TARGET2, has facilitated the diversification of currency usage [8][10] Future Outlook - The trend towards currency diversification is expected to continue, with the euro potentially surpassing the dollar in certain months as the leading payment currency [10][11] - The yuan's share is anticipated to rise further, possibly challenging the positions of the pound and yen in the global payment landscape [10][11] - The ongoing changes in currency payment proportions reflect broader adjustments in the global economic landscape, indicating a move away from a dollar-centric system [7][10]