专家：人民币结算使中国能进一步巩固在非洲各国市场的地位

Core Viewpoint - The diversification of payment systems and currencies is an irreversible trend in the context of increasing globalization and diversification of global trade, with a focus on enhancing trade volume and settlement in Renminbi among China and developing countries [2][3][4]. Group 1: Payment System Diversification - Following the exclusion of Russia from the SWIFT system, many countries have recognized the risks of over-reliance on the dollar and are seeking alternative payment systems [2][3]. - China has actively promoted the internationalization of the Renminbi since the launch of cross-border trade Renminbi settlement pilot in 2009, with significant milestones including the inclusion of Renminbi in the IMF's Special Drawing Rights (SDR) basket in 2015 [2][3]. - As of November 2025, China has signed bilateral currency swap agreements with 32 countries and regions, with a total scale exceeding 4.5 trillion Renminbi [2]. Group 2: Technological Advancements - The introduction of the digital Renminbi and the establishment of the Cross-Border Interbank Payment System (CIPS) in 2015 have provided technological support for the transformation of settlement systems [3]. - By 2024, CIPS is expected to account for 3.8% of global payments, with projections to exceed 10% by 2027 [3]. - CIPS has already covered 189 countries and regions, processing business amounts reaching 90.19 trillion Renminbi [3]. Group 3: International Cooperation and Trade - China and Russia have nearly completely transitioned to using their own currencies for trade settlements, reducing dependence on the dollar [3]. - In BRICS countries, 30% of trade transactions are now conducted using Renminbi, while Saudi Arabia's Renminbi settlement for oil exports is projected to reach 45% by September 2025 [3][4]. - Argentina has announced plans to use Renminbi for imports from China, and BHP has agreed to settle 30% of iron ore transactions in Renminbi by October 2025 [4]. Group 4: Strategic Recommendations - Increasing trade volume among countries is essential for enhancing the credibility of payment systems, as the establishment of any payment system relies on substantial trade volume [5]. - Emphasizing the use of Renminbi in international settlements is a rational arrangement aimed at reducing financial risks, rather than a direct move towards "de-dollarization" [5]. - Ensuring adherence to international law and transparency in the settlement process is crucial for building trust in the Renminbi and non-dollar payment systems [5][6]. Group 5: Global Trends - Other countries are also taking steps to mitigate dollar risks, such as the BRICS New Development Bank's introduction of a "local currency financing toolbox" and Russia's development of an alternative to SWIFT [6]. - The trend towards diversification in payment systems and currencies is seen as an irreversible development in global trade [6]. - Establishing an equitable trade and payment system is essential to address the root causes of international conflicts [6].