中文摘要：

人民币国际化是金融自由化和贸易自由化的一个可能结果而非目标。境外人民币持有者接受人民币作为结算和储备货币的基本条件是币值稳定、自由兑换和政治风险最小化，这些条件的实现需要以利率自由化、汇率自由化、取消资本流动管制和实现央行货币政策独立为基本保障。本文从以上四个方面对我国和国际化货币经济体做了对比分析后认为，我国当前远未达到推动人民币国际化的条件，国内金融体系改革的目标应以从根本上推进金融自由化为主而非推动人民币国际化，遵照先国内金融自由化，后人民币国际化的路径推进。

英文摘要：

The internationalization of RMB is a possible outcome of financial liberalization rather than a target. The basic conditions for RMB acting as a settlement and reserve currency are stability, free convertbility and lowest political risk. The realization of these conditions depends on liberalization of interest rates and exchange rate, the abolition of controls on cross - boundary capital flows and the central bank＇s independent monetary policy. China has not yet satisfied these conditions, so the main purpose of policy should be promoting domestic financial liberalization rather than the internationalization of RMB.