金融大家评 | 陈四清：加快建设自主可控的人民币跨境支付体系

Core Viewpoint - The article emphasizes the importance of establishing a self-controlled cross-border payment system for the RMB as a crucial part of China's strategy to enhance its role in global financial governance and adapt to the changing global economic landscape [3][11]. Group 1: Historical Context and Importance of Cross-Border Payment Systems - The rise of financial powers throughout history has relied on independent and comprehensive financial infrastructure, with cross-border payment systems playing a key role [4]. - Historical examples include the Netherlands in the 17th century, the UK in the 19th century, and the US in the 20th century, each establishing robust payment systems that facilitated international trade and finance [4]. Group 2: Current Global Trends in Cross-Border Payments - Since the 21st century, the role of cross-border payment systems has become increasingly significant due to globalization, serving as a vital artery for capital flow and international trade [5]. - By 2025, global trade is projected to reach $35 trillion, with a 7% year-on-year growth, and global capital flow is expected to reach $1.8 trillion, highlighting the need for efficient payment systems [5]. Group 3: Challenges and Opportunities for RMB Cross-Border Payment System - The current global cross-border payment landscape is characterized by a "one superpower, many strong" dynamic, with the US dollar's share in global payments declining but still relying heavily on SWIFT for transaction messaging [6]. - The rise of emerging economies is creating new opportunities for RMB cross-border payments, as these countries push for local currency settlements and develop parallel payment systems [6][11]. Group 4: Digital Transformation in Cross-Border Payments - Technological advancements, including AI, blockchain, and big data, are driving the digital transformation of cross-border payment systems, with central bank digital currencies (CBDCs) emerging as a key development path [10]. - China is positioned as a leader in the CBDC space, with the digital RMB being integrated into the cross-border payment framework through the CIPS [10]. Group 5: Strategic Recommendations for Building a Self-Controlled RMB Payment System - The article outlines several strategies for enhancing the RMB cross-border payment system, including expanding international partnerships, developing digital RMB products, and establishing standardized payment protocols [12][13][14][15]. - Emphasis is placed on the need for a collaborative approach to address regulatory, technical, and operational challenges in the cross-border payment ecosystem [11].