摘要：随着数字科技的发展，人类社会正朝着数字经济时代迈进。货币作为人类经济的重要组成部分也迈向了数字化的道路。2020年中国推出了关于发行央行数字货币的具体规划。另外中国的经济政治贸易实力在国际上的地位也不断提升，然后货币的国际地位却一直处于滞后状态。本文首先介绍了中国数字货币的进程及运行模式。其次指出了人民币国际化程度的现状问题。然后通过研究数字货币与人民币国际化的关系，探索数字人民币对人民币的国际地位有没有推进作用及其有限性。最后针对两者关系，提出对于数字货币有效推动人民币国际化的建议。

 

关键词：人民币国际化；数字货币；国内金融市场

 

目 录

摘 要

Abstract

1.-Introduction-1

1.1-Purpose and significance-1

1.2-Literature review-2

1.3-Research method-3

1.4-Innovation point-4

2.-The history of currency development-5

2.1-The context of changing money forms-5

2.2-The origin and evolution of digital currency-5

2.3-The process of research and development of digital currency in China-6

3.-DCEP’s operating mechanism and model in China-7

4.-The current status and challenge of RMB internalization-8

4.1-The connotation of RMB internalisation-8

4.2-The current status of RMB internalisation-8

4.2.1-International reserves-8

4.2.2-Medium of exchange-9

4.2.3-RMB-denominated commodities-9

4.2.4-Offshore RMB transactions-9

4.3-The challenges of RMB internationalization-9

4.3.1-The US dollar’s dominance is hard to break-9

4.3.2-China's financial markets are relatively underdeveloped-10

4.3.3-Inadequate network externalities of RMB-11

5.-The impact of DCEP on the internalization of the RMB-12

5.1-Theoretical analysis-12

5.1.1-Maintaining the independence of monetary policy and the safety and stability of RMB holdings-12

5.1.2-Improving the RMB cross-border payment system and promoting RMB cross-border settlement business-13

5.1.3-Improving the RMB's network externalities and breaking the inertia of international currency use-14

5.1.4-Facilitate the development and regulation of China's financial markets-.15

5.2-Digital currencies cannot guarantee the internationalization of the RMB-16

5.3-Statistical analysis-17

5.4-Recommendations for effective use of digital currency as a catalyst for RMB internationalization-19

5.4.1-Accelerate the development of the digital RMB-19

5.4.2-Build a DC/EP-based cross-border payment and settlement system as soon as possible to improve the RMB's network externalities-20

5.4.3-Strengthen economic infrastructure, steadily promote the rise of comprehensive national power and digital financial reform-20

6.-Conclusion-21

7.-References-24