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Deutsche Bank becomes first foreign yuan clearing bank in Europe

136 points1 hourtradersunion.com
pizzathyme52 minutes ago

The US wields incredible negotiating power and hegemony because the dollar is the world’s reserve currency. Like the British pound and the Dutch guilder before it, if that loses reserve currency status it will be harder to borrow on favorable terms, which would affect the entire US economy. This is a big step in that perhaps starting to happen over the next few decades.

jillesvangurp32 minutes ago

One consequence of the transition to renewable energy and electrified transport, is that oil imports will start to decline. And the dollar is of course the currency of choice for that.

The US economy and other countries that export fossil fuels will feel the impact over the next decade or so. The energy transition might go a lot quicker than people seem to expect. Currently about 20% of global car sales is electric. In some countries it's well over 50%. China of course being one of them. And they are making rapid progress with electrifying freight as well. This is already impacting their fossil fuel imports. They still import a lot.

One effect that I think people underestimate is that while it will take a long time for all the ICE vehicles to disappear, the new ones do most of the driving. So, new EVs have a relatively large impact on fuel consumption and imports pretty early on. E.g. Chinese diesel imports apparently already are being impacted by their rapid deployment of tens of thousands of electrical trucks. Soon hundreds of thousands. That's already a third of the market in China and will probably head for well over 50% in a few short years. The EU is not that far behind.

The ripple effect that's going to have on oil trading, refinery capacity, etc. is going to be substantial. Of course current geopolitics is speeding things up massively. LNG and oil scarcity is causing a lot of issues globally and countries are accelerating moves to reduce their dependence on that.

thelastgallon14 minutes ago

Demand destruction will collapse profits and accelerate the oil/dollar downfall. Saudi Arabia can profitably pump oil probably under $10/barrel. If demand drops, thats where oil should be.

decimalenough36 minutes ago

The yuan will never become a reserve currency as long as China maintain tight currency controls around importing and exporting it. It's very difficult to (legally) send CNY out or China.

The euro is in a much better position to be adopted as an alternative, but its share of global reserves has been flat at around 20% for years.

https://data.imf.org/en/news/imf%20data%20brief%20march%2027

westpfelia18 minutes ago

No, and I dont think China wants the Yuan to be the reserve currency. But this is a good step in allowing better currency trading/exchange. Which can make imports between the EU and China cheaper.

tommica15 minutes ago

For a moment, after that EU will come up with a new regulation / taxation causing everything to become more expensive again.

thehumanmeat26 minutes ago

Exactly. It's always been posturing.

seanieb16 minutes ago

Does the world still require a reserve currency? Spreading risk across the Dollar, Yuan, and Euros seems more logical. While the hurdles and friction associated with foreign exchange (FX) and international transfers were significant when reserve currencies were crucial, they are not as big an issue today.

username_my138 minutes ago

This whole house of card is very modern, there was no such thing as "Reserve currency" not even the British pound, it was the most traded currency. but holding a currency's (debt) as a foreign reserve instead of gold is very recent phenomena, even central banks reserves or their function is also rather modern phenomena.

while Yuan usage in trade will reduce the US influence, the amount of assets held in dollar nominated investments is so so much bigger, and this will very slowly change if it will at all.

budsniffer95223 minutes ago

Losing the reserve currency doesn't happen in a vacuum. It happened to the British and Dutch because their empires were dismantled.

So, yeah, it could happen to the US, slowly, over time (it already is). But nobody wakes up tomorrow and says they no longer want USD. Where are you parking the money, yuan?

Normal_gaussian15 minutes ago

> nobody wakes up tomorrow and says they no longer want USD

Depends what happens tomorrow

MichaelZuo17 minutes ago

Deutche Bank I imagine is doing this because a significant fraction of their customers literally want to park their money in yuan?

If it was some rounding error they wouldn’t have bothered spending money to set it up and get all the clearances.

Zigurd19 minutes ago

As other people on this thread will point out the Yuan is not close to replacing the dollar, nor is any other aspect of the Chinese financial system highly competitive, even with the staggering rise of corruption in the US.

But this is yet another indicator of the loss of soft power, which is much farther gone than, I'd say, 90% of Americans realize.

The supposedly smart people in the tech industry should be alarmed by the loss of soft power. A lot of tech revenue comes from overseas, but if US technology is seen to be the tool of an unreliable, belligerent, corrupt, authoritarian government, that revenue will evaporate, and it will happen faster than, for example, fundamental international finance changes. And yet these supposedly smart people have lined up behind our government.

WJW29 minutes ago

I think this has the causality reversed. The dollar is the world's reserve currency because the US wields incredible negotiating power and has been the de facto military hegemony in the past few decades.

It seems likely that the dominance the US has enjoyed in the recent past will diminish somewhat as other blocks with larger population bases catch up on the technology and industrialization fronts, and eventually start flexing their industrial might to create peer-level militaries.

smalllangmodel44 minutes ago

I really hope this is one step into a more multipolar world, maybe without a single hegemon the world is easier to change for the better

ForHackernews38 minutes ago

Historically a more multipolar world has been a more violent and chaotic world, but maybe this time will be better.

smalllangmodel33 minutes ago

Well I wouldn't say it's peaceful now, or has been in the past... Actually there's few years that the US wasn't at war.

cyanydeez20 minutes ago

The current admin has destroyed much of the government backing. Its to he seen if the global business fail to uphold its value.

qprofyeh49 minutes ago

I wonder if it has anything to do with the currency apparently being backed by an immense reserve of oil (proven to the world by this year's geopolitical events), then coal, and then a massive amount of renewable solar, hydro, wind kWh's and infrastructure to deliver it to homes and shops.

More and more it feels like a nation's kWh throughput is the new metric to track its global influence in manufacturing, industry, and financial services. In other words electric power now equates to global power.

JimmyBuckets1 hour ago

It will be interesting to see how much of Thucydides Trap plays out in currency and trade as opposed to military conflict. I am hopeful that economic and financial warfare absorbs the brunt of the power struggle.

aprentic24 minutes ago

China has some internal documents that address the Thucydides Trap with a Chinese idiom, "There are no just wars in the Spring and Autumn Period."

andsoitis14 minutes ago

> China has some internal documents

how did you get to see them? that must be a very interesting story.

iugtmkbdfil8341 hour ago

Can you elaborate a little? I suspect it is a well known concept, but its the first time I heard of it in this context.

JimmyBuckets39 minutes ago

Essentially its a very old (~2.5k year) idea that the interaction between an incumbent power and rising "challenger" power inevitably leads to war between the two. I was expressing my hope that if this does happen, the war can play out in less destructive arenas - one of which is in the competition for reserve currency status which the US has held for the whole of the modern era. This article possibly points at China's first shots in this conflict

WJW25 minutes ago

The obvious counterexample would be the previous most powerful empire in the world (ie the UK) ceding that title to the USA after collapsing after WW2? No war between the UK and the US was needed.

JimmyBuckets20 minutes ago

The UK was a declining power that had been absolutely gutted by war and owed huge debts to the US that it had accrued to fund the war. I believe Thucydides Trap is more about the situation we have now with the US and China where both are moving from strength to strength.

detourdog1 hour ago

President Xi of China mentioned it when the US President visited him in May.

https://www.hks.harvard.edu/faculty-research/policy-topics/i...

nubg35 minutes ago

utterly repulsive ai slop

detourdog29 minutes ago

Yes, but I liked that the article mentioned how Xi has been saying this for a long time.

I switched the link to Harvard.

ForHackernews1 hour ago

Rising power challenges the fading imperial hegemony. In this case, CNY displacing USD.

curuinor58 minutes ago

CNY displacing USD would entail allowing people outside China to buy really significant quantities of CNY-denominated financial products. This would entail CNY/USD changing so CNY is more expensive, because the default currency for financial products currently existing is USD. Which would slap a corresponding huge price increase with 0 increase in quality to all Chinese export. Which would murder Chinese manufacturing export. Which would entail laying off some grand proportion of an industry that employs 5% of the _human_ race. Which is why they're not gonna do that.

ImHereToVote37 minutes ago

I don't think China wants to make the CNY the reserve currency because it would decimate China as a manufacturing hub. They prefer China to be Jakob to the U.S. being Esau. The red lentil soup can be quite bitter.

baxtr1 hour ago

Is China still rising or already in decline?

+2
ForHackernews59 minutes ago
quickthrowman42 minutes ago

I’ll believe it when I see it, there’s a spread between onshore and offshore yuan exchange rates due to currency manipulation. It becomes harder to manipulate a currency as more of it is created, and AFAIK countries are not loading up on Chinese govt debt, but I may just be unaware?

The USD hegemony isn’t because of oil, it’s because everyone wants dollar-denominated assets. Treasury bonds, US real estate, US equities, etc. Possibly Chinese exports could soak up some of the yuan demand?

kachnuv_ocasek1 hour ago

I, for one, would appreciate if we could just move on past these incessantly destructive power struggles as humanity.

edgyquant51 minutes ago

Humans can not “move on” from human nature no matter how much people try to will it

kachnuv_ocasek41 minutes ago

It's as much "human nature" as being a slave was once the nature of some (chosen) peoples.

victorbjorklund30 minutes ago

Conflict between humans is much much more nature than slavery was. Just look at animals. Flock animals often have conflicts which others. But none of them have ”slaves” (at least no how humans understand it)

cluckindan24 minutes ago

Coincidently, Deutsche Bank is notorious for having been involved in all sorts of money laundering

mrtksn30 minutes ago

I have this pet theory that is fueled with ignorance but kind of make sense to me: The correct value of the USD would be adjusted to match the tech company valuations sans AI(Apple can be a good guide IMHO) when they serve 350M people instead of 8B people as AI makes software obsolete and the geopolitics and the US government behavior dismantles any network or lock in effects.

blurbleblurble25 minutes ago

I'm interested to understand your theory better but right now the way you've expressed it is hard to make sense of for me.

zefir29 minutes ago

I wonder if this might be a reaction to the "blindsided" ECB, following a US decision to prop up the Japanese yen. This would be an interesting fracture. https://www.ft.com/content/d9922d0b-51a0-48be-811b-42e08f909...

aljgz45 minutes ago

Change happens gradually, and then suddenly.

DC-31 hour ago

What does that mean?

baggachipz59 minutes ago

It means that nations are beginning to abandon (or at least hedge against) the dollar as the world's currency, due to the host nation's instability and global political situation. "Great Again", indeed.

AureliusMA57 minutes ago

Layman here, from what I understand this is a major news : it means China is allowing a foreign corporation (european commercial bank) to offer Yuan currency services to clients. Given how tight of a currency control policy the CCP has, it’s quite surprising that they would let a foreign based company into their currency dealings.

ForHackernews1 hour ago

It means you can settle an international transaction in CNY with Deutsche Bank. Imagine a European lender financing a project in Nigeria that involves purchasing a lot of infrastructure from China.

rvz1 hour ago

It means the dollar is dying.

glimshe54 minutes ago

People have been saying the dollar is dying since the 19th century. They said it again during the Great Depression, the end of Bretton Woods and the 2008 Financial crisis..

Moldoteck32 minutes ago

US dollar value was held by several pillars, among which- pax americana, petro dollar/assets and innovation sector. Pax americana is dismantled by US itself. Petro chemicals are threatened by ren transition and China. Tech sector still ensures having a lead in innovations. Guess what'll happen when/if pax americana will be fully dead, most important economies like EU/China/India will be able to supply own needs with less petrol products since the rest will com from ren and when/if tech AI pops/turns into a fiasco. Nothing lasts forever and US dollar is no exception

YesThatTom247 minutes ago

The difference is now the US has a leader that is actively encouraging its downfall.

avisser53 minutes ago

Is it a yuan or is it a Renminbi?

xingped46 minutes ago

It's a little confusing, but technically RMB (renminbi) is the official name of the currency and CNY (yuan) is the base unit of the currency. Think of it like the difference between USD ("US Dollar") vs "dollar and cents", except there is no fractional yuan equivalent of cents, so it's all just yuan.

darrenf30 minutes ago

Pretty sure the jiao (角) (1/10th of a yuan) is still in use?

xingped16 minutes ago

Oh yeah, you're right, I forgot about that. It doesn't really get used much except occasionally for very small transactions, usually ones less than 10yuan.

faitswulff42 minutes ago

The currency code is CNY or Chinese Yuan. Yuan itself is like “dollar,” with many different countries calling their currency “dollars.” Renminbi refers to the Chinese currency as a whole rather than any particular unit.

decimalenough32 minutes ago

Fun fact: the Japanese yen and Korean won are both cognates of "yuan". The character 圆 simply means "round" as in circular.

rf1548 minutes ago

Both. Renminbi is the currency name, while the yuan is the base unit.

BaardFigur35 minutes ago

Not a good thing. China is an authoritarian regime, which we need to reduce dependency on, not increase it.

amrit312817 minutes ago

Blood money isn't red in color. USA has more war crimes in the past 5 decades than almost all other major countries combined. But that doesn't matter when you're profiting. Same goes here.

victorbjorklund33 minutes ago

We also need to reduce our depency on USA which is currently signaling it is a hostile nation that consider and invasion of Europe in the form of an occupation of Greenland. It is possible USA:a admin is just lying about their hostile intentions but that in itself is a reason to reduce dependence on America

dana-s25 minutes ago

The USA is also currently signalling hostilities towards Brazil. They're hostile to all.

matheusmoreira33 minutes ago

The US is not that different.

SanjayMehta31 minutes ago

The US is infinitely worse, at least China is predictable.

matheusmoreira28 minutes ago

Yeah, can't say I disagree. I expected Trump to be authoritarian but I thought he'd actually at least try to be smart about it.

athrowaway3z44 minutes ago

Would this also mean we can get a EuroDollar systems for the Yuan? As in, Deutsche Bank can create loans denominated in Yuan without Chinese central bank control?

kklisura45 minutes ago

If there's one thing you can do now that will set you up for the next 20–30 years: it’s learning Mandarin.

tdeck20 minutes ago

The trouble is that a billion people speak Mandarin already and many of them speak very good English as well, so your own skillset as a second language learner isn't very likely to be valuable. Unfortunately learning any language is rarely a valuable market skill on its own.

argentinian27 minutes ago

With advanced AI real time translation I don't see any need for that.

lenerdenator32 minutes ago

Ah, yes, the best way to react to increased authoritarianism in the US is to checks notes begin doing more business with a country that is the final word in authoritarianism.

blahblaher26 minutes ago

the big difference is that China is not bombing anyone, and causing chaos to it's allies..

bamboozled16 minutes ago

They are supporting countries doing the bombing…

lenerdenator21 minutes ago

> not bombing anyone

Not that they wouldn't bomb Taiwan if they thought they could get away with it. The reason they can't, of course, is that doing so carries the risk of starting a thermonuclear war with the United States.

> causing chaos to it's [sic] allies...

Well, there's two ways to think about this.

1) China doesn't really have allies. They've a long history of pissing off their neighborhood extending back centuries.

2) They very much are causing chaos to allies, given that the Vietnamese went so far as to buy American military goods to help defend their portion of the South China Sea, which China sees as theirs.

Alien1Being50 minutes ago

Trump is making China great again.

Pity about the USA....

FrustratedMonky56 minutes ago

The end of the Petro Dollar?

Soviet-China-Iran - Petro Yuan?

rf1524 minutes ago

Don't think that China stands that close with Russia and Iran. Or needs them, for that matter.

victorbjorklund29 minutes ago

Russia and Iran are irrelevant in the global economy.

kibwen43 minutes ago

There won't be a petro-anything. In 30 years the oil industry will no longer be the resource upon which the whole world turns, and will instead be just another industrial input.

thehumanmeat24 minutes ago

There was never a petro-anything. It's always been and is the Eurodollar global reserve currency. https://en.wikipedia.org/wiki/Eurodollar

smalllangmodel42 minutes ago

Soviet?

sigma558 minutes ago

"but at what cost" ?

wirj34iuh324uh253 minutes ago
libertas_quae_s15 minutes ago

[flagged]

onetokeoverthe1 hour ago

[dead]

zer00eyz53 minutes ago

Deutsche banks slogan should be "If you need to do something shady call Deutsche".

At some point china will loose the ability to keep its global currency (Yuan, should be inflating) decoupled from the domestic one (Renminbi is deflating). They have been keeping long running issues in Banking, and Relestate at bay but a global recession (and were on the cusp it seems) is going to be brutal to china.

I suspect that if (when?) that hits this will turn into another Deutsche scandal.

roschdal46 minutes ago

I don't like, trust or trade with China.

smalllangmodel43 minutes ago

But america xD