Inertia favors currencies that are already in use internationally, and China lacks deep and liquid financial markets, an important precondition that any international reserve currency must meet. Furthermore, China’s banking system, which remains subject to extensive government control, lags far behind those of the US and Europe in terms of efficiency and transparency.
而即使中国成功降低了这些风险，与美元争夺主要全球货币地位也绝非易事。惯性有利于已经获得国际使用的货币，而中国缺少有深度和流动性的资本市场，而这时任何国际储备货币都必须满足的重要先决条件。此外，中国的银行体系仍受到政府的强力控制，在效率和透明度等方面远远落后于美国和欧洲。