人民币国际使用遭低估？权威业内人士解析

Core Viewpoint - The latest SWIFT data indicates that by September 2025, the renminbi (RMB) will rise to the fifth position in global payment currencies, accounting for 3.17% of the total, with a 15.53% increase in payment amounts compared to August 2025, while total payment amounts across all currencies increased by 6.74% [1]. Group 1 - SWIFT's statistics on RMB payments only include offshore payment messages and some cross-border payment messages, meaning a significant amount of RMB cross-border receipts are not included in SWIFT's statistics [1]. - The People's Bank of China (PBOC) considers data from the Cross-Border Interbank Payment System (CIPS) and commercial bank internal systems, providing a more comprehensive view of RMB's international payment status [1]. - The ranking of RMB as the third-largest global payment currency is based on a full-caliber statistical approach, reflecting its true position in international payments [1]. Group 2 - In June 2025, the Governor of the People's Bank of China, Pan Gongsheng, stated that based on full-caliber calculations, the RMB has become the third-largest payment currency globally [1].