Ni ibihe bihugu bishobora gukoresha uburyo bwo kwishyura RMB ku mipaka?

Ni ibihe bihugu bishobora gukoresha uburyo bwo kwishyura RMB ku mipaka?

Kugeza ubu, RMB ni ifaranga rya kabiri rinini ryo kwishyurana mu bihugu biva ku mipaka mu Bushinwa, kandi kwishyurana mu bihugu biva ku mipaka kwa RMB bitwara amafaranga arenga kimwe cya gatatu cy’amafaranga y’imbere mu gihugu n’ay’amahanga mu Bushinwa. Ku isi yose, RMB yabaye ifaranga rya gatanu rinini ku isi ryo kwishyurana mu bihugu biva ku mipaka ndetse n’ifaranga ryemewe ryo kwishingira ivunjisha ry’amafaranga y’amahanga. Ibikoresho by'insinga, Uduhuza twa D Sub na Imitako y'umuhanda ya pulasitiki nabyo bishobora kubikora muri ubu buryo.

Nk’uko imibare iheruka gushyirwa ahagaragara n’Ikigega Mpuzamahanga cy’Imari (IMF) ibigaragaza, amafaranga yose agabanyirijwe amafaranga y’amahanga ya RMB yazamutse agera kuri miliyari 244.52 z’amadolari mu gihembwe cya gatatu cya 2020 avuye kuri miliyari 233.09 z’amadolari mu gihembwe cya kabiri, agera ku bihembwe birindwi bikurikirana by’iterambere, naho umugabane wa RMB w’amafaranga agabanyirizwa amafaranga y’amahanga ku isi wazamutse ugera kuri 2.13.

Kuva mu 2008, Ubushinwa bwasinye amasezerano yo kwishyurana kw'ifaranga ry'igihugu n'ibihugu icyenda bituranye, nka Viyetinamu, Lawosi, Uburusiya, Kazakisitani n'ibihugu biri ku murongo wa "Belt and Road", kandi bwasinye amasezerano yo guhanahana ifaranga ry'igihugu n'ibihugu 23 bituranye, nk'Uburusiya, Indoneziya, Leta Zunze Ubumwe z'Abarabu, Misiri na Turukiya, n'ibihugu biri ku murongo wa "Belt and Road".

Nk’uko raporo ya banki nkuru yo muri Kanama 2020 ibivuga, RMB yagurishijwe mu buryo butaziguye n’amafaranga y’ibihugu icyenda bituranye, nka Ringgit ya Maleziya, idolari rya Singapuru, na baht ya Tayilande, hamwe n’amafaranga y’igihugu ku muhanda wa "Belt and Road", ndetse n’ibikorwa byo mu karere hakoreshejwe amafaranga atatu y’igihugu, nka Ruier ya Kamboje.

Abakiriya benshi b'i Burayi biteguye gukoresha RMB nk'ifaranga ryo kwishyura.

Rero mu gihe cy'imikoranire, ushobora kubaza umuguzi uti: ese wemera ikiguzi cya RMB n'ubwishyu?

Bivugwa ko RMB 05 ifite ibyago byo kuba yakwa konti?

Abantu benshi bakora ubucuruzi bw'amahanga bumvise kandi bahuye n'ibintu nk'ibi:

Abakiriya bavuze ko bashobora kubona umuntu wo kwishyura RMB, bityo ibigo byohereza ibicuruzwa mu mahanga byemeye gukoresha konti z’abikorera zo mu gihugu mu gukusanya amafaranga ya RMB, ariko ntibyari biteze ko nyuma y’iminsi mike, konti yafunzwe n’ishami rishinzwe iperereza ku bukungu ahantu hatandukanye.

Banki ibajije banki, yavuze ko yahagaritswe n’ishami rishinzwe iperereza ku bukungu ahantu hatandukanye. Ntibashoboraga gushonga kandi bakeneye abakozi b’ubucuruzi bw’amahanga kugira ngo bafatanye n’akazi k’umutekano w’abaturage, harimo no gutanga amakuru amwe n’amwe ku bikorwa nyabyo. (Harimo pasiporo y’umushyitsi, amakuru yo guhamagara, n’ibindi- Tekereza nawe, ni abashyitsi bangahe biteguye gufatanya mu gutanga ibikoresho?) Ku bijyanye n’igihe cyo gushonga, tugomba gutegereza amakuru, bamwe banayafunze mu gihe kirenga umwaka!

Impamvu ikunze gutera ikibazo nk'iki ni uko RMB y'umushyitsi ifite ikibazo, atari ngombwa ko umushyitsi akora ibikorwa bitemewe n'amategeko, ariko hari abashyitsi baroroshye, bashaka inzira zo kuvunjisha amafaranga y'amahanga bafite ibibazo, ariko we ntabizi.

Mu by’ukuri, kuva muri Gashyantare 2019, leta yashyizeho amategeko arwanya amabanki yo mu bwihisho. Mu 2020, Banki y’Abaturage y’Ubushinwa yasohoye Icyegeranyo cya Banki y’Abaturage y’Ubushinwa ku mushinga w’igerageza ku micungire y’amafaranga manini, maze ifata icyemezo cyo gutangiza umushinga w’igerageza ku micungire y’amafaranga manini muri Hebei, Zhejiang na Shenzhen guhera muri Nyakanga 2020.

Igihe cy'igerageza ni imyaka 2, cyabanje gukorwa mu Ntara ya Hebei, hanyuma cyongerwa mu Ntara ya Zhejiang, Umujyi wa Shenzhen: kuva muri Nyakanga 2020, Intara ya Hebei yatangiye gukora igerageza; kuva mu Ukwakira 2020, Intara ya Zhejiang, Umujyi wa Shenzhen yatangiye gukora igerageza. Aho imicungire y'ibaruramari rusange itangirwa ni 500000 yuan, naho imicungire y'ibaruramari bwite itangirwa ni 100000 yuan mu Ntara ya Hebei, 300000 yuan mu Ntara ya Zhejiang na 200000 yuan mu Mujyi wa Shenzhen.

Muri byo, Intara ya Zhejiang yibanda ku bucuruzi bunini n'ubunini, kugurisha imitungo itimukanwa, ubwubatsi, inganda zigurisha imodoka, yibanda ku kuri kw'umurongo wo kubikuza no gukoresha nyuma yaho. Shenzhen yibanda ku kugenzura imyitwarire y'amafaranga yinjira n'ayasohoka mu bikorwa hakoreshejwe konti bwite, kugabanya inkomoko n'imikoreshereze y'amafaranga yinjira n'ayasohoka mu bikorwa bya konti bwite, no gukurikirana uko ubucuruzi bwa RMB mu mahanga bwifashe mu bijyanye n'amafaranga.

Kubwibyo, mu gihe wakira amafaranga ya RMB mu butaka bw'umukiriya, ni byiza kwita ku niba yaranyuze ku cyiswe "umukozi" cyangwa "umuntu wa gatatu", kugerageza kureka umushyitsi akishyura akoresheje konti ye, cyangwa kubaza umushyitsi neza. Irinde kwakira amafaranga aturutse ahantu hatazwi kugira ngo urebe ko konti itekanye.