1月22日，中国人民银行召开2026年宏观审慎工作会议，总结2025年宏观审慎管理和跨境人民币业务工 作，分析当前形势，部署2026年工作。会议要求，2026年宏观审慎工作要继续按照构建覆盖全面的宏观 审慎管理体系部署。逐步拓展宏观审慎政策覆盖范围，前瞻性研判系统性金融风险隐患，创新丰富政策 工具箱。 会议认为，2025年中国人民银行加快构建宏观审慎管理体系，加强系统重要性金融机构、金融市场、跨 境资本流动等重点领域宏观审慎管理。推进人民币国际化，完善人民币跨境使用安排，优化货币互换和 清算行网络，强化人民币融资货币功能，进一步支持贸易投资便利化，持续提高服务实体经济能力。 会议要求，2026年宏观审慎工作要继续按照构建覆盖全面的宏观审慎管理体系部署，强化中央银行宏观 审慎管理功能，持续完善宏观审慎和金融稳定委员会工作机制，逐步拓展宏观审慎政策覆盖范围，前瞻 性研判系统性金融风险隐患，创新丰富政策工具箱，维护金融市场稳健运行和金融体系整体稳定。以服 务构建新发展格局为导向，进一步完善人民币跨境使用政策，促进货物贸易便利化，优化人民币清算行 布局，更好发挥货币互换作用，发展人民币离岸市场，支持上海国际金融中心建 ...

Core Insights - The "White Paper on Renminbi Internationalization" released by the Bank of China indicates continued progress in Renminbi (RMB) internationalization in 2024, with an increase in cross-border RMB settlement and enhanced international monetary functions [1] Group 1: Cross-Border RMB Settlement - The total cross-border RMB settlement volume in 2024 is approximately 64.1 trillion yuan, representing a year-on-year growth of 22.5% [1] - The current account cross-border RMB settlement volume is 16.3 trillion yuan, up 15.7% year-on-year, while the goods trade under the current account is about 12.4 trillion yuan, increasing by 15.9% [1] - The capital account cross-border RMB settlement volume is 47.8 trillion yuan, with a year-on-year growth of 24.9%, and the securities investment cross-border RMB settlement volume is 28.7 trillion yuan, up 28.8% [1] Group 2: RMB Usage in Global Payments - In 2024, the RMB's share in payment clearing, trade financing, foreign exchange transactions, and foreign exchange reserves is 4.2%, 5.5%, 5.0%, and 2.2% respectively, showing varying degrees of improvement compared to 2023 [2] - The RMB ranks as the fourth largest payment currency, third largest trade financing currency, fifth largest foreign exchange trading currency, and seventh largest reserve currency globally [2] Group 3: Survey Insights on RMB Internationalization - A survey conducted by the Bank of China among over 2,200 domestic enterprises and nearly 1,100 overseas enterprises indicates a steady increase in the RMB's monetary functions, with a notable rise in the willingness of foreign enterprises to use RMB [2] - Small and micro enterprises show a higher recognition of the convenience of cross-border RMB usage, particularly those with a higher proportion of export income [2] - The survey results highlight that over 90% of domestic and foreign enterprises recognize the advantages of using local currency for settlement, with 80% acknowledging the convenience of local currency transactions [3] Group 4: Regional Feedback and Multilateral Cooperation - Enterprises in ASEAN and surrounding regions show a positive response regarding the willingness to use RMB, indicating a stronger foundation for RMB regionalization [3] - The depth and breadth of offshore markets have improved, with more foreign enterprises reporting easier access to RMB products and services, particularly in ASEAN, Europe, and Latin America [3] - The momentum for multilateral cooperation is strengthening, with approximately 37% of surveyed enterprises believing that cross-border RMB usage fosters financial and trade stability [3]

此外，促进人民币跨境使用。提升人民币跨境使用便利度和收付效率，鼓励银行在真实合规前提下，优 化单据审核，加强数据共享，提升"走出去"企业全链条使用人民币进行投融资、项目建设和采购、收益 回收等体验。鼓励银行构建以风险评估为导向的主体分类管理模式，采用多种事中事后核查方式。加 强"本币优先"理念宣导和跨境人民币政策宣传，建立上海市重点领域国有企业人民币跨境使用工作评价 机制，鼓励"走出去"中央企业和国有企业优先选择使用人民币进行对外支付结算，并带动产业链供应链 创新链各类企业使用人民币。研究设计推动"丝路电商"、高端航运业、大型成套设备出口、海外员工服 务等领域提升人民币跨境结算比重的专业服务方案。促进人民币在共建"一带一路"国家使用，并依托上 海构建促进人民币全球循环使用的贸易投资服务体系。 北京商报讯（记者 岳品瑜 董晗萱）4月21日，据人民银行官网，近日，中国人民银行、金融监管总局、 国家外汇局、上海市人民政府联合印发《上海国际金融中心进一步提升跨境金融服务便利化行动方案》 （以下简称《行动方案》）。 《行动方案》提出，优化汇率避险服务，提高外汇风险管理与应对能力。其中，开发多样化的汇率避险 产品和服务。 ...