万亿美元之问：中国能否真正取代美国的SWIFT，数字人民币开始计息，超半数贸易结算已脱离美元体系

The $1 Trillion Question: Can China REALLY Replace SWIFT?

万亿美元之问：中国能否真正取代美国的SWIFT？

What if the biggest threat to the US dollar isn’t war or sanctions—but a silent system built in parallel?

On January 1, 2026, China flipped a switch that could reshape global finance. The Digital Yuan began paying interest, CIPS expanded rapidly, and more than half of China’s trade is now settled outside the dollar system.

can China really replace SWIFT—or has the shift already begun?

如果对美元构成最大威胁的，既非战争也非制裁，而是一套悄然并行搭建的体系，后果会如何？

2026 年 1 月 1 日，中国按下了重塑全球金融格局的关键按钮：数字人民币开始计息，人民币跨境支付系统迎来高速扩张，如今中国超半数贸易结算已脱离美元体系。

中国能否真正取代环球银行金融电信协会（SWIFT）？抑或这场变革早已拉开序幕？

以下是各国网友的评论：

injang-Joe
The West should realised that China is the first capitalist,she had the first bank and paper money while the West still living in caves.

西方该醒醒了，中国才是最早的资本主义雏形国家。中国有第一家银行、第一张纸币的时候，西方人还在住山洞。

tobiasrekker5376
Absolutely, the West can not fathom. The fact that a non white country is the 1st economic superpower on earth The USA is wounded that make them more dangerous.

没错，西方根本无法接受。一个非白人国家，居然成了全球第一经济超级大国。美国自尊心受挫，这会让他们变得更加危险。

mobeenmalik6835
Not only that but they are the oldest civilisation. The second plus point of China is , they are trust worthy

不仅如此，中国还是最古老的文明古国。中国的第二个优势，就是守信用。

petergreen5337
Dedollarisation is NECESSARY for countries to develop more freely.

去美元化，是各国实现更自由发展的必经之路。

willengel2458
Britain News ignored a few things, 1. the empire of lies does not own SWIFT, it has two votes against one vote for everybody else. the empire used terrorist laundering money as excuse to hijack SWIFT as its own. 2. China is not looking to replace SWIFT. China is looking to bypass SWIFT.

这家英国媒体漏说了几件事：第一，那个谎言帝国并非拥有SWIFT，只是在里面占两票，其他国家都只有一票。它以反恐洗钱为借口，把SWIFT据为己有。第二，中国根本没想取代SWIFT，只是想绕开它而已。

jacintochua6885
SWIFT was weaponized and drive many awag. It was a weapon for western alliances.

SWIFT早就被武器化了，把很多国家都推走了。它就是西方同盟的一把金融武器。

richardgoh6697
Everyone needs food daily and wars can never fill up one’s belly. Unlike US, China is currently and exactly hel everyone in d world to have his or her stomach full and be prosperous.

人每天都要吃饭，战争填不饱肚子。和美国不同，中国当下正在切切实实帮全世界的人解决温饱，实现富裕。

PeterScully-x7h
Dedolarisation doesn't mean anything without nukes

没有核武器，去美元化就是空谈。

cnccarving
yeah but SWIFT losses in payment fees are real thats why Trump is freaking out kicking out russia from SWIFT costing hundreds of billions in losses

没错，但SWIFT的手续费损失是实打实的。特朗普之所以气急败坏，就是因为把俄罗斯踢出SWIFT，让SWIFT损失了数千亿美元。

timetraveller885
We live in a Parrallel Universe!

我们仿佛活在平行宇宙！

AbdulhaqModen
Fanon said that a response to ending colonialism is violence , but if the mind is colonised as well it needs to break the chains with new ideas . Financial reorganization is a powerful tool to break the chains of colonization. Despite radical opposition ,this idea is perfectly workable . Thank you for excellent content .

法农说过，终结殖民主义需要用暴力反抗，但如果思想也被殖民了，就需要用新思想打破枷锁。金融体系重构，就是打破殖民枷锁的有力工具。尽管面临强烈反对，但这个思路完全可行。感谢精彩的内容。

medialcanthus9681
This is good for Sri Lanka since they don't have lots of us dollars but they have things to sell to get other things.

这对斯里兰卡来说是好事，他们没多少美元，但有商品可以卖，换取所需的东西。

georgewong6802
It is a free market May the best win

这就是自由市场，优胜劣汰就好。

exhindu4825
Support BRICS, support de-dollarisation.

支持金砖国家，支持去美元化。

strtserctlmserc4484
You tell the truth and its scary what do you sujest.

你说的都是实话，听完让人后怕，你有什么建议吗？

leeweebeng5051
The change over is 2026

这场变革，就发生在2026年。

shindersamra4020
Dismantle swift systems very unfair for some countries, must have alternative to any one control.

SWIFT体系对一些国家太不公平了，必须建立一个不受单一势力控制的替代系统。

chriswong9158
USA has weaponize the SWIFT system in the 1980's, then drop the sanction nuke in March 2022. Soon, by 2030 2/3 of the World in international trade will be done outside of the SWIFT US Dollar system.

美国早在80年代就把SWIFT武器化了，2022年3月更是祭出了制裁大招。用不了多久，到2030年，全球三分之二的国际贸易，都会绕开SWIFT美元体系进行。

LashawnKirkendoll-p3m
Make feel appreciated so production be better

让人有归属感，生产效率才会更高。

LashawnKirkendoll-p3m
You sign musk for b6 in solar but the bph in oil that make sure corner in t cross

你签了马斯克搞太阳能项目，可石油产业的既得利益者，会把所有路都堵死。

othmanhassanmajid8192
Distraction is a lame excuse for incompetence

用转移注意力的方式，掩盖自己的无能，太没水平了。

bdulraja1151
BIS bank of international settlements is using a “swifter” SWIFT. They are doing everything to avoid use of other systems like Ripple

国际清算银行正在搞一个升级版的SWIFT。他们想尽办法，避免大家使用瑞波币这类其他支付系统。

East-WestChronicle
What’s striking isn’t whether China will replace SWIFT overnight — it’s that a parallel system is already functional, growing, and no longer theoretical. Financial power rarely shifts with explosions. It shifts when alternatives stop asking permission.

最值得关注的，不是中国能否一夜取代SWIFT，而是一套平行的金融系统已经落地运行、不断发展，不再是理论构想。金融格局的改变，从来都不是一蹴而就的。当替代方案不再需要看别人脸色时，权力的天平就已经倾斜了。

cnccarving
the damages already hundreds of billions on SWIFT side

SWIFT的损失，已经达到数千亿美元了。

he07
China does't have to replace SWIFT, both can run in parallel. It will be countries that will decide which to favour when it comes to trading with each other

中国没必要取代SWIFT，两者可以并行。各国之间贸易时，用哪个系统，由各国自己决定。

chanmunloke8161
China does not seek to replace SWIFT. Only needs to take away SWIFT's monopoly by creating a credible alternative.

中国并非要取代SWIFT，只是要打造一个可靠的替代方案，打破SWIFT的垄断。

alextea8853
Britain News is treating us as moron.. from control by US Dollar to control by Chinese Yuan.. What truly fair for all countries is a payment system based on Blockchain technology.. not based on a stupid single currency.

这家英国媒体把我们当傻子吗？从被美元控制，换成被人民币控制？真正对所有国家都公平的，是基于区块链技术的支付系统，而不是由某一种货币主导的愚蠢体系。

LashawnKirkendoll-p3m
In with all religious institutions that care never know production in common conduct

那些只讲情怀的宗教机构，根本不懂什么是集体生产。

mobeenmalik6835
As an old person , am old fashioned too The value of currency is about trust. With the behaviour of a rogue state USA , dollar would go down much much earlier than you predicted. The only reason which stopped it till now was US superior military machine. The day it is challenged by Russia and China it will fall like nine pins

我是个老人，思想也比较传统。货币的价值，核心就是信任。美国这个*氓国家的所作所为，会让美元的衰落比你们预测的快得多。美元撑到现在，唯一的原因就是美国超强的军事实力。一旦这份实力被中俄挑战，美元会瞬间崩塌。

thomascheuk5471
Believe China doesn't particularly want to replace SWIFT but rather want to get her global share in globalised trading, certainly double standards do exst, so Yuan weaponise themselves is a must in matter of time irrespective of what US done to Russia.

我相信中国并非刻意要取代SWIFT，只是想在全球化贸易中，拿到属于自己的全球份额。当然，国际上确实存在双重标准，所以不管美国对俄罗斯做了什么，人民币迟早也会走上“武器化”的道路，这是必然的。

LashawnKirkendoll-p3m
Depend cisp is do to the difficult you have problem bsw software

这取决于人民币跨境支付系统的推进难度，你们的BSW软件本身就有问题。

xolanikhumalo3903
US has weaponize Swift no countries has willingness to use Swift. Russia China India must seek another systems

美国把SWIFT武器化了，没人愿意再用。俄中印三国必须联手打造新的支付系统。

satyam.shivam.sundaram
You first need to understand how US and China stands on an economic platform that are so intricately connected that US, China stands on a common (joint) economic platform. You also need to understand how US - China cooperation in every field including military follows Dr. Henry Kissinger mathematical and political algorithm.

首先你要明白，美中的经济联系密不可分，双方处于同一个经济体系中。你还要明白，美中在包括军事在内的各个领域的合作，都遵循基辛格博士的一套政治经济运算逻辑。

tonyperrin9256
It looks to me, that China can and will accomplish anything they put their mind to... It's not can they, it's when will they

在我看来，中国只要下定决心，就没有办不成的事。问题不是能不能，而是什么时候能做成。

ajeshJPatil
China is not hel world to put food on plate, they are stealing from world under belt and road project. Belt and road project are build with excess Chinese raw material, Chinese man power and Chinese loan at higher interest rate. When host cannot payback, Chinese acquire land , ports and road. Look at the classic example of Sri Lankan port. When Sri Lanka was in need , India bail them out not Chinese

中国根本不是在帮世界解决温饱，而是借着一带一路，从全世界捞好处。一带一路的项目，用的都是中国过剩的原材料、中国的人力，还有中国的高息贷款。一旦东道国还不上钱，中国就会霸占他们的土地、港口和道路。斯里兰卡的港口就是典型例子。斯里兰卡陷入危机时，是印度出手相救，根本不是中国。

allenbarrow4904
SWIFT can survive but sadly, it will needs middlemen like brokerage firms to do legwork with BRICS, CIPS, and PAPSS instead of offshore locations like the Caribbean, Isle of Man off Britain, Cape Verdi, St. Kitts etc...!!

SWIFT还能撑下去，但可惜的是，它得靠经纪公司这类中间商，和金砖国家、人民币跨境支付系统、非洲跨境支付系统对接跑腿，而不能再依靠加勒比地区、英国马恩岛、佛得角、圣基茨这些离岸中心了！

adedapoosanyinbi93
Bypassing SWIFT is enough. No one can track transactions outside SWIFT within the parallel system erected by the BRICS. The Kremlin did not panic, point of order. No need to defend Russia for invading Ukraine, afteral Donald Trump's administration just went and abducted Nicolas Maduro and his wife, on a principal non-exstent drug cartel leadership charge! No regard for international laws!

绕开SWIFT就够了。在金砖国家搭建的平行体系里，脱离SWIFT的交易根本无从追踪。说明一下，俄罗斯政府根本没慌。不用为俄罗斯出兵乌克兰辩解，毕竟特朗普政府也曾凭空指控马杜罗夫妇是贩毒集团头目，还派人绑架他们！完全无视国际法！

YusefDevachan
U.S., Europe and Israel only deal in deception.They have no creative abilities.Left on their on they would've stopped exsting long ago.Scary thought,and believe me that scares the hell out of them.Yo bad that they are not brave enough to ask for help.

美国、欧洲和以色列只会耍手段，毫无创新能力。如果让他们自己发展，早就消亡了。想想都觉得可怕，相信我，他们自己也怕得要死。可惜的是，他们连开口求助的勇气都没有。

LashawnKirkendoll-p3m
That pay all church bills around world plus 1.6 billion the business innovation in have 500 billion if do buy wnba they potential

这些钱能付清全球所有教堂的账单，再加上16亿的商业创新资金，要是买下WNBA，潜力能达到5000亿。

franklee663
You are not totally accurate, SWIFT is an international inter-bank messaging system, most countries have their internal banking system that doesn't rely on SWIFT. Even within US you have CHIPS and other internal messaging systems.

你说得并不完全准确，SWIFT只是一个国际银行间的信息通讯系统，大多数国家都有自己的国内银行系统，并不依赖SWIFT。就连美国国内，也有纽约清算所银行同业支付系统和其他的内部通讯系统。

ZainalAbidinTumpang
Swift is weaponised, BRIC and the South South countries go against US/ West/Israel. Built up the weaponised systems.

SWIFT已经被武器化了，金砖国家和南南合作国家要联合起来对抗美西方和以色列，打造属于自己的反制金融体系。

abrahimismail4759
China just want to establish alternative n not to overthrown swift... self inflicted damage by Western hagemony

中国只是想建立一个替代方案，并非要推番SWIFT。这一切都是西方霸权自食恶果。

louischau7982
Russia already replaced it .. no need China

俄罗斯早就把SWIFT取代了，根本用不着中国。

LashawnKirkendoll-p3m
It show conduct to promoting mean ok this how done so stop look mines but production cause less argue you all people really eat less volient defense rest cause 2 amendment drop that bout start mess nobody want

这是推进合作的正确方式，就该这么做。别总想着争输赢，专心搞生产，矛盾才会少。你们这些人太激进，只会喊打喊杀，守着第二修正案不放，早晚要出乱子，没人想看到这样的结果。

exhindu4825
Pakistanis are so innocent who believe it's Trump, Obama, Bush or Biden are behind it but it's USA deep state actually.

巴基斯坦人太单纯了，总以为背后是特朗普、奥巴马、布什或拜登搞鬼，其实真正的幕后黑手，是美国的深层政府。

LashawnKirkendoll-p3m
Make different ramsey equation the old get annoying the wall street gwp bout break

重新制定拉姆齐模型公式吧，旧的早就过时了。华尔街掌控的全球经济，快要撑不住了。