Abstract: The internationalization process of RMB indicates that the Chinese foreign trade has changed from mainly exporting products to mainly exporting capital. In this process, there is the need for a large quantity of RMB output. Thus, China's international balance of payments will develop from double surplus to basically balanced, and then to trade deficit. Generally speaking, surplus represents competitiveness of a country and stands for the cornerstone of its monetary value. This is what we should stick to when the international balance of payments structure is changing, and China should choose to achieve capital deficit in financial projects. .The changes in the international balance of payments structure will cause adjustments in the Chinese import and export policies, opening of the financial market, and the Chinese economic structure as well. Internationalization of RMB will promote transformation of the Chinese economic growth model, making it turn to emphasize domestic needs.

Key words: internationalization of RMB , international balance of payments structure , adjustment of economic structure

摘要： 人民币国际化的过程意味着中国将从对外商品输出为主转变为资本输出为主。在这个过程中，需要中国大量输出人民币，中国国际收支将从双顺差到基本平衡，再转化为逆差。在国际收支结构的变化中，中国需要保持经常项目的顺差，因为经常项目顺差是一国竞争力和货币价值的基石，中国应该选择资本项目逆差。国际收支结构的变化会引起中国进出口政策、金融市场和经济结构的调整。人民币国际化将推动中国经济增长模式转向注重国内需求。

关键词: 人民币国际化 , 国际收支结构 , 经济结构调整