人民币国际腾飞：从日元身后到全球舞台的华丽蜕变 曾几何时，跨国汇款意味着繁琐的兑换流程和不可避免的费用。然而，就在不久前，一次看似平常的银 行柜台经历，却意外地向我揭示了人民币在国际舞台上悄然发生的深刻变革。当我柜员小姐善意地建议 我尝试直接以人民币进行汇款时，她的话语中透露出的信息，让我惊喜不已——"现在很多国家可以直 接收人民币了，您试试，也许还能省下不少手续费。" 这番话如同开启了一扇新的窗户，让我看到了人 民币国际化进程中令人瞩目的进步。 伴随着这份好奇，我立刻开始了深入的探究。不久前，环球银行金融电信协会（SWIFT）发布的权威数 据显示，人民币已不再仅仅是亚洲的货币，它已成功超越日元，跃升为全球第四大支付货币。这一里程 碑式的成就，标志着人民币国际化进程迈入了崭新的阶段。根据SWIFT2025年7月的统计，人民币在全 球支付中的占比已攀升至6.93%，而曾经一度占据第四位置的日元，其份额则为6.71%。 人民币国际化的多重驱动力 是什么力量推动人民币实现了如此迅猛的国际化进程？深入研究相关报告和数据，我们可以梳理出以下 几个关键的驱动因素： 跨境贸易人民币结算的蓬勃发展： 中国人民银行的数据显示， ...

Core Viewpoint - The People's Bank of China and six other departments have jointly issued guidelines to enhance financial support for new industrialization, focusing on improving cross-border financial services and expanding high-level bilateral open development space [1] Group 1: Financial Support Measures - The guidelines aim to optimize foreign trade financial products and services for the manufacturing sector [1] - A special action plan will be launched to assist small and medium-sized enterprises (SMEs) in going global [1] - The facilitation level of current account income and expenditure will be improved to ensure safe and efficient cross-border trade settlements for enterprises [1] Group 2: Cross-Border Trade and Currency - The scale of cross-border trade in Renminbi (RMB) settlements will be expanded to better meet the foreign trade settlement needs of enterprises [1] - Policies to enhance the convenience of trade income and expenditure for quality enterprises will be promoted [1] Group 3: Financing and Investment - Support will be provided for eligible enterprises to conduct pilot projects for cross-border cash pool operations, facilitating the transfer and use of funds domestically and abroad [1] - There will be an expansion of export credit insurance and credit investment in the foreign trade sector [1] - The scope of pilot projects for cross-border financing for high-tech enterprises, specialized and innovative SMEs, and technology-based SMEs will be broadened [1] Group 4: Foreign Investment Facilitation - The pilot scope for foreign enterprises' reinvestment exemption from registration will be expanded to facilitate domestic equity investments [1] - The Qualified Foreign Limited Partner (QFLP) pilot business will be optimized and improved [1] - A negative list for the use of capital project income will be refined to enhance the efficiency of foreign capital utilization by enterprises [1]