记者 张锐 10月15日，第138届中国进出口商品交易会（下称"广交会"）在广州开幕。多位外贸从业者向经济观察报记者表示，在其涉及到的出口业务领域，使用人民 币作为贸易结算货币的客户、订单量呈上升趋势。 今年10月，中国建设银行、中国国际金融股份有限公司（下称"中金公司"）等机构发布的多份人民币国际化相关研究报告亦指出，2024年至2025年，人民币 在跨境贸易结算和贸易融资中的使用显著增长。 中国建设银行《2025年人民币国际化报告》称，受国际地缘政治变化、关税壁垒升高以及美国利率周期波动的影响，新兴市场国家对美元在国际交易中的依 赖有所下降。在此背景下，人民币在跨境交易中的使用不断增加。 报告同时称，上述变化在"全球南方"经济体中表现尤为显著。其中，东南亚、中东、非洲和中亚国家正日益接受人民币作为贸易结算货币。 来自客户的"主动" 苏州格润德电气有限公司（下称"格润德电气"）是江苏省级专精特新企业，该公司出口业务主要以家用吸尘器及其配件产品为主。 10月15日，格润德电气负责海外市场工作的冯益聪向经济观察报记者表示，该公司去年开拓的一个欧洲订单目前使用人民币进行贸易结算。 江苏金彭集团有限公司（下称"金彭 ...

邓国标指出，传统跨境支付长期受中间行问题困扰，每笔手续费高达50-100美元，资金到账需要1-5个 工作日，而一旦被中间行调单审查，问题解决可能需要2-4周，这些痛点一直困扰着外贸企业。稳定币基 于区块链的开放账本技术，所有金融机构共享一个账本，有利于消除中间行带来的问题和费用。交易时间 缩短至几分钟甚至秒级，单笔成本极低，且支持7×24小时运作，为跨境支付带来革命性突破。 "在不久的将来，双币钱包将成为B2B跨境贸易支付领域的新标配，即越来越多的服务机构都会向B2B 跨境贸易企业提供'法币+稳定币'的双币钱包，由企业根据自身贸易特点、资金到账时效与费率成本要求， 自行选择法币或稳定币开展跨境支付。"邓国标表示，在获得市场及监管的双重认可的过程中，稳定币虽 然在未来数年将发展迅速，但依旧无法替代法币。稳定币与法币之间的兑换需求会长期存在，这也是双币 钱包会成为趋势的一个重要原因。 "稳定币将成为跨境贸易结算的新基础设施。"中国B2B外贸金融平台XTransfer创始人兼CEO邓国标在 近日召开的未来外贸大会上表示，在B2B跨境支付领域，未来所有的支付企业、银行都必将支持稳定币， 否则在新基础设施替代老基础设施 ...

Core Viewpoint - The application of digital currency, particularly the digital yuan (e-CNY), is becoming a significant trend in international payments and cross-border trade settlements, representing China's strategic move to enhance its competitiveness in the global economic system [1] Group 1: Digital Yuan and Smart Contracts - The digital yuan is not just a digital form of the renminbi but a strategic initiative by China to deepen reforms and enhance competitiveness in the global economy [1] - Smart contracts, based on blockchain technology, can automatically execute contract terms without relying on third-party intermediaries, improving efficiency and transparency in cross-border trade settlements [1][3] Group 2: Advantages Over Traditional Payment Systems - Traditional cross-border payment systems rely on intermediaries, making the process cumbersome and time-consuming, while the digital yuan's smart contracts can automatically trigger payments upon consensus between trading parties [3] - The use of digital yuan can effectively reduce risks associated with exchange rate fluctuations by minimizing foreign exchange conversion steps, thus enhancing payment stability and reliability [3] Group 3: Integration with SWIFT System - The SWIFT system remains a crucial infrastructure for cross-border payments, but it has limitations such as long transaction times and high costs, which the digital yuan's smart contracts can help address [5] - Integrating digital yuan smart contracts into the SWIFT system can enhance cross-border payment efficiency, reduce costs, and improve interoperability within the global payment system [5][7] Group 4: Future Implications - The collaboration between digital yuan and the SWIFT system can simplify settlement processes by allowing direct payments between buyers and sellers, reducing operational risks and disputes arising from information asymmetry [7] - The synergy between digital yuan and SWIFT is expected to drive the intelligent transformation of global cross-border payments, ushering in a new era of efficient, secure, and convenient payment solutions [9]