As for "my own money, why can't I transfer as much as I want?", this question is easy to understand from the perspective of individual rights. However, from the perspective of the national foreign exchange system, the Renminbi is not a fully freely convertible currency, and China is not a country with a fully open capital account. Owning Renminbi assets does not naturally grant the right to unlimitedly convert Renminbi into US dollars and transfer them abroad.