Three-dimensional promotion path and benefit analysis of RMB settlement in cross-border fruit trade: a multi-agent collaborative perspective based on individual businesses, banks, and governments

With the deepening of global agricultural trade and the acceleration of RMB internationalization, the synergistic development of cross-border fruit trade and RMB settlement has become a significant issue in international trade and finance. This paper, from a multi-agent collaborative perspective, systematically analyzes the interaction mechanisms and practical challenges of RMB settlement in cross-border fruit trade. The research indicates that the current cross-border fruit trade is characterized by scale expansion and product diversification. RMB settlement promotes trade facilitation by reducing exchange rate risks and simplifying processes. However, small and medium-sized businesses face high settlement costs and credit barriers, banks lack innovation in cross-border financial products, and policy support and regulatory systems need improvement. In response, this paper proposes a three-dimensional promotion path of "financial market openingpolicy and regulation optimizationtechnological innovation empowerment," including developing offshore RMB markets, establishing specialized settlement mechanisms, and promoting blockchain technology applications. Benefit analysis shows that RMB settlement can enhance industrial chain stability, reduce financing costs for small and medium-sized enterprises, and provide substantial support for RMB internationalization. Finally, the paper suggests optimizing top-level design, strengthening risk prevention, and deepening international cooperation to promote the high-quality integration of cross-border fruit trade and RMB settlement, serving the new "dual circulation" development pattern.