摘要
人民币国际化作为中国深度参与全球经济治理的重要战略举措，近年来取得了显著进展，但其面临的挑战与机遇亟需系统性研究。本文以人民币国际化进程为研究对象，旨在探讨其在当前国际经济格局下的关键制约因素及潜在发展空间。通过结合定性分析与定量建模的方法，本文对人民币跨境使用、储备货币地位以及金融基础设施建设等核心领域进行了深入剖析。研究表明，尽管人民币国际化受到地缘政治风险、金融市场开放程度不足以及美元主导体系的限制，但数字经济兴起、“一带一路”倡议推进以及绿色金融发展为其提供了新的增长动力。本文创新性地提出了基于多层次网络模型的人民币国际化评价框架，并验证了贸易结算、资本流动和货币互换协议对提升人民币国际地位的协同效应。研究结论表明，优化金融监管体系、深化区域经济合作以及加强数字货币研发是推动人民币国际化可持续发展的关键路径，为相关政策制定提供了理论支持与实践参考。
关键词：人民币国际化；金融基础设施；数字经济；货币互换协议；绿色金融
Abstract
The internationalization of the renminbi (RMB) represents a crucial strategic initiative for China’s deep participation in global economic governance, and it has achieved remarkable progress in recent years. However, the challenges and opportunities it faces necessitate systematic research. This paper focuses on the process of RMB internationalization, aiming to explore its key constraining factors and potential development space under the current international economic landscape. By integrating qualitative analysis with quantitative modeling, this study conducts an in-depth examination of core areas such as cross-border use of the RMB, its status as a reserve currency, and the construction of financial infrastructure. The findings indicate that while the internationalization of the RMB is constrained by geopolitical risks, insufficient financial market openness, and the dominance of the U.S. dollar, emerging trends such as the rise of the digital economy, the advancement of the Belt and Road Initiative, and the development of green finance provide new growth impetus. Innovatively, this paper proposes an evaluation fr amework for RMB internationalization based on a multi-layered network model, verifying the synergistic effects of trade settlement, capital flows, and currency swap agreements in enhancing the international standing of the RMB. The conclusions suggest that optimizing the financial regulatory system, deepening regional economic cooperation, and strengthening research and development of digital currencies are critical pathways to promoting the sustainable development of RMB internationalization, offering theoretical support and practical references for relevant policy formulation.
Keywords：Rmb Internationalization; Financial Infrastructure; Digital Economy; Currency Swap Agreement; Green Finance
目 录
摘要 I
Abstract II
一、绪论 1
(一) 人民币国际化研究背景与意义 1
(二) 国内外研究现状分析 1
(三) 研究方法与技术路线 2
二、人民币国际化的基础条件分析 2
(一) 经济实力对人民币国际化的影响 2
(二) 货币政策框架的支撑作用 3
(三) 金融基础设施建设的重要性 3
三、人民币国际化面临的挑战 4
(一) 全球货币体系的竞争压力 4
(二) 国内金融市场发展的局限性 5
(三) 汇率波动与资本流动风险 5
四、人民币国际化的发展机遇 6
(一) 数字人民币的技术创新优势 6
(二) 国际合作与多边机制的潜力 6
结 论 8
参考文献 9
