摘要：人民币国际化是中国成为全球瞩目的经济大国的重要保证，有助于提升中国国际地位，增强中国对世界经济的影响力。人民币国际化使中国拥有了一种世界货币的发行和调节权，对全球经济活动的影响和发言权也将随之增加。不过目前我国人民币的国际化发展并不如一些老牌发达国家那么成熟，发展过程中必然会带来一定的风险。

本文的文章框架沿着“背景-现状-意义-风险-对策-结论”的步骤展开叙述。首先对人民币国际化的基本定义和发展背景进行了说明。然后借鉴英国、美国、日本这些早期实行货币国际化国家的实践经验阐述人民币国际化的发展路线,之后通过定量分析法、文献研究法以及案例分析法总结其在发展过程中主要存在的5大风险,最后探讨了规避这些风险的4个对策，找到适合我国人民币国际化实施的对策，从而增强我国人民币在国际市场的竞争力，加快人民币国际化步伐。

关键词：人民币国际化；潜在危险；货币政策；离岸金融

Abstract：RMB internationalization is an important guarantee for China to become a global economic power, helping to enhance China's international status and enhance China's influence on the world economy. The internationalization of the RMB has given China a distribution and adjustment of the world currency, and the impact on the global economic activities and the right to speak will also increase. However, the current international development of China's RMB is not as mature as some mature countries, the development process will inevitably bring some risks.

The framework of this article is described along the steps of "background - status quo - meaning - risk - countermeasure - conclusion". First of all, the basic definition and development background of RMB internationalization are described. And then draws lessons from the practical experience of the countries of the United States, the United States and Japan, and then analyzes the four major risks in the development process through quantitative analysis, literature research and case analysis , And finally explored four strategies to avoid these risks, to find a suitable countermeasure for the internationalization of China's RMB, so as to enhance the competitiveness of RMB in the international market and accelerate the pace of internationalization of the RMB.

Keywords：RMB internationalization; Potential danger; Monetary policy; Offshore finance

目 录

0引言 1

1人民币国际化发展背景概述 1

人民币国际化的定义与由来 1

1.2国外货币国际化的发展历程 2

1.3人民币国际化的发展路线与进程 3

2人民币国际化的现实意义 6

2.1经济方面 6

2.2政治方面 7

2.3社会方面 8

3我国人民币国际化潜在风险分析 8

3.1货币政策调控难度加大的风险 8

3.2国内金融机构的经营风险 9

3.3货币需求增大和汇率波动的风险 9

3.4我国货币逆转的风险 9

3.5面临“特里芬难题”的风险 10

4规避人民币国际化风险的对策分析 11

4.1推进人民币离岸金融的稳步发展