跨境理财通发展及促进人民币国际化的路径研究

跨境理财通发展及促进人民币国际化的路径研究

邝婉桦

(澳门城市大学，中国澳门，999078)

摘要:跨境理财通是推进粤港澳大湾区金融合作联通的重要举措和创新试点。本文从跨境理财通发展背景和发展概况入手、分析跨境理财通发展开局好、业务往来频、银行类型多和产品固收稳的四个特点，并对跨境理财通促进人民币国际化的提出具体建议，以期推进大湾区的金融合作，推动人民币国际化持续发展提供借鉴与参考。

关键词:跨境理财;人民币国际化;跨境金融

Research on the Development of Cross-border Wealth Management Connect and

Pathways to Promote RMB Internationalization

Kuang Wanhua

(City University of Macau, Macao, China, 999078)

Abstract: As an important initiative and innovative pilot for advancing financial integration andcooperation within the Guangdong-Hong Kong-Macao Greater Bay Area, the Cross-border WealthManagement Connect is of great practical significance. Starting with its development background andoverall status, this paper summarizes four major characteristics of the program: a promising start,frequent business transactions, participation of diverse banking institutions, and predominant stablefixed-income products. It further puts forward targeted suggestions on how the Cross-border WealthManagement Connect can facilitate RMB internationalization. The findings aim to offer references fordeepening financial cooperation in the Greater Bay Area and advancing the sustained development ofRMB internationalization.

Keywords: Cross-border Wealth Management; RMB Internationalization; Cross-border Finance

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