Yimaphi amazwe angasebenzisa izinkokhelo ze-RMB eziwela imingcele?

Yimaphi amazwe angasebenzisa izinkokhelo ze-RMB eziwela imingcele?

Njengamanje, i-RMB iyimali yesibili ngobukhulu yokukhokha kwamanye amazwe eShayina, kanti inkokhelo kwamanye amazwe ye-RMB ibiza ngaphezu kwengxenye yesithathu yenkokhelo kwamanye amazwe yemali yasekhaya neyakwamanye amazwe yaseShayina. Emhlabeni jikelele, i-RMB isibe yimali yokukhokha yamazwe ngamazwe yesihlanu ngobukhulu emhlabeni kanye nemali esemthethweni yokugcina imali yangaphandle. Amabhulokhi Esiteshi Sezintambo, Izixhumi ze-D Sub futhi Izigxobo Zomgwaqo Zepulasitiki futhi ngingakwenza ngale ndlela.

Ngokusho kwedatha yakamuva ekhishwe yi-International Monetary Fund (IMF), inani eliphelele lezimali ezigciniwe zokushintshaniswa kwamanye amazwe ze-RMB lenyuke laya ku-$244.52 billion kwikota yesithathu ka-2020 lisuka ku-$233.09 billion kwikota yesibili, lafinyelela kumakota ayisikhombisa alandelanayo okukhula, kanti isabelo se-RMB sezimali ezigciniwe zokushintshaniswa kwamanye amazwe emhlabeni senyuke saya ku-2.13.

Kusukela ngo-2008, iShayina isayine izivumelwano zokuxazulula izimali zendawo zamazwe amabili namazwe ayisishiyagalolunye angomakhelwane, njengeVietnam, iLaos, iRussia, iKazakhstan namazwe aseduze ne-"Belt and Road", futhi isayine izivumelwano zokushintshana kwemali yendawo zamazwe amabili namazwe angomakhelwane angu-23, njengeRussia, i-Indonesia, i-United Arab Emirates, iGibhithe neTurkey, kanye namazwe aseduze ne-"Belt and Road".

Ngokusho kombiko webhange eliphakathi ka-Agasti 2020, i-RMB ithengiswe ngqo nezimali zamazwe ayisishiyagalolunye angomakhelwane, njenge-ringgit yaseMalaysia, idola laseSingapore, kanye ne-baht yaseThai, kanye nezimali zikazwelonke eziseduze "neBelt and Road", kanye nokuthengiselana kwesifunda ngezimali ezintathu zikazwelonke, njengeCambodian Ruier.

Amakhasimende amaningi aseYurophu azimisele ukusebenzisa i-RMB njengohlobo lwemali yokukhokha.

Ngakho-ke lapho uxoxisana ngokubambisana, ungase ubuze umthengi: uyayamukela yini ikhotheshini ye-RMB kanye nenkokhelo?

Kuthiwa i-05 RMB inengozi yokuba ne-akhawunti?

Abantu abaningi abahweba kwamanye amazwe baye bezwa futhi babhekana nezinto ezinjalo:

Amakhasimende athi angathola umuntu ozokhokhela i-RMB, ngakho-ke amabhizinisi athumela kwamanye amazwe avumile ukusebenzisa ama-akhawunti angasese asekhaya ukuqoqa inkokhelo ye-RMB, engalindelanga ezinsukwini ezimbalwa kamuva, i-akhawunti yavalwa yiqembu labaphenyi bezomnotho ezindaweni ezahlukene.

Kubuzwa ibhange, ibhange lithe livalwe yiqembu labaphenyi bezomnotho ezindaweni ezahlukene. Babengenakukwazi ukuncibilikisa futhi babedinga abasebenzi bezohwebo zangaphandle ukuze babambisane nomsebenzi wokuphepha komphakathi, okuhlanganisa nokuhlinzeka ngolwazi oluthile mayelana nokuthengiselana kwangempela. (Kubandakanya ipasipoti yesivakashi, imininingwane yokuxhumana, njll.- Cabanga ngakho, zingaki izivakashi ezizimisele ukubambisana ekuhlinzekeni ngezinto zokwakha?) Ngokuphathelene nokuthi sizoncibilikisa nini, sidinga ukulinda izindaba, abanye abantu baze bazivala isikhathi esingaphezu konyaka!

Isizathu esivame kakhulu senkinga enjalo ukuthi i-RMB yesivakashi inenkinga, hhayi ukuthi isivakashi senza imisebenzi engekho emthethweni, kodwa ezinye izivakashi zikhululekile, zifuna iziteshi zokushintshanisa imali zangaphandle zinezinkinga, kodwa azazi.

Eqinisweni, kusukela ngoFebhuwari 2019, umbuso usubeke umthetho ngokumelene namabhange angaphansi komhlaba. Ngo-2020, iBhange Labantu LaseShayina lakhipha i-Circle of the People's Bank of China on the Pilot Project on Large Cash Management, futhi lanquma ukuqalisa iphrojekthi yokuhlola ukuphathwa kwemali enkulu eHebei, eZhejiang naseShenzhen kusukela ngoJulayi 2020.

Isikhathi sokuhlola siyiminyaka emi-2, okokuqala senziwa eSifundazweni saseHebei, sabe sesinwetshwa saya eSifundazweni saseZhejiang, eDolobheni laseShenzhen: kusukela ngoJulayi 2020, iSifundazwe saseHebei saqala ukuhlola; kusukela ngo-Okthoba 2020, iSifundazwe saseZhejiang, eDolobheni laseShenzhen saqala ukuhlola. Indawo yokuqala yokuphathwa kwama-akhawunti omphakathi endawo ingu-500000 yuan, kanti indawo yokuqala yemali yokuphathwa kwama-akhawunti angasese ingu-100000 yuan eSifundazweni saseHebei, u-300000 yuan eSifundazweni saseZhejiang kanye no-200000 yuan eDolobheni laseShenzhen.

Phakathi kwazo, iZhejiangProvince igxile ekuthengisweni ngobuningi kanye nokuthengisa, ukuthengiswa kwezindlu, ukwakhiwa, imboni yokuthengisa izimoto, igxile ekubeni yiqiniso kwesixhumanisi sokuhoxiswa kanye nokusetshenziswa okulandelayo. IShenzhen igxile ekulawuleni imali engenayo yokusebenza kanye nokuziphatha kwezindleko kusetshenziswa ama-akhawunti omuntu siqu, ihlukanise imithombo kanye nokusetshenziswa kwemali engenayo yokusebenza kanye nezindleko zama-akhawunti omuntu siqu, kanye nokuqapha isimo sebhizinisi lemali le-RMB phesheya.

Ngakho-ke, lapho uthola inkokhelo ye-RMB endaweni yekhasimende, kungcono ukunaka ukuthi ngabe idlulile yini kulokho okubizwa ngokuthi "i-ejenti" noma "umuntu wesithathu", zama ukuvumela isivakashi ukuthi sikhokhe nge-akhawunti yaso, noma ubuze isivakashi ngokucacile. Gwema ukuthola imali emithonjeni engaziwa ukuqinisekisa ukuphepha kwe-akhawunti.