跨境电子商务支付存在的风险及优化对策研究
跨境电子商务支付作为全球化贸易的重要组成部分，其定义涵盖了通过电子手段实现不同国家或地区间的资金转移，以支持跨境商品或服务的交易。该支付方式具有便捷性、高效性及全球性等特点，并随着互联网技术的不断进步和国际贸易的深入发展，经历了从简单到复杂、从单一到多元的发展历程。当前，跨境电子商务支付主要存在三种模式：第三方支付机构模式，凭借其广泛的覆盖范围和便捷的操作流程受到青睐；商业银行跨境汇款模式，虽然传统但稳定可靠，适用于大额交易；以及电子钱包支付模式，以其灵活性和即时性满足消费者多样化需求。然而，跨境电子商务支付也面临着诸多风险，包括成本不确定性、结算周期长、信用卡欺诈、资金占用成本高以及跨境融资成本高、资金沉淀在第三方支付平台等问题。为了应对这些挑战，需要采取一系列优化对策，如实施多元化货币结算以降低汇率风险，采用快速支付通道缩短结算周期，加强信用评估管理以减少欺诈行为，优化资金管理提高资金使用效率，以及拓宽融资渠道、合理利用沉淀资金以降低融资成本。通过这些措施，可以有效提升跨境电子商务支付的效率和安全性，促进跨境电子商务的健康发展。
关键词：跨境电子商务；支付风险；优化对策
Abstract
As an important part of global trade, the definition of cross-border e-commerce payment covers the transfer of funds between different countries or regions through electronic means to support cross-border transactions of goods or services. The payment method is characterized by convenience, efficiency and global development. With the continuous progress of Internet technology and the in-depth development of international trade, it has experienced a development process from simple to complex, from single to diversified. Currently, there are three main modes of cross-border e-commerce payment: third-party payment institution, which is favored by its wide coverage and convenient operation process; cross-border remittance, traditional but stable and reliable for large transactions; and e-wallet payment, which meets the diversified needs of consumers with its flexibility and immediacy. However, cross-border e-commerce payment is also faced with many risks, including cost uncertainty, long settlement cycle, credit card fraud, high capital occupation cost, high cross-border financing cost, capital precipitation in the third-party payment platforms and other problems. In order to cope with these challenges, need to take a series of optimization countermeasures, such as diversified currency settlement to reduce exchange rate risk, the rapid payment channel to shorten the settlement cycle, strengthen credit evaluation management to reduce fraud, optimize fund management to improve the use efficiency of funds, and broaden the financing channels, reasonable use of precipitation funds to reduce the cost of financing. These measures can effectively improve the efficiency and security of cross-border e-commerce payment, and promote the healthy development of cross-border e-commerce.
Keyword：Cross-border e-commerce; payment risk; optimization countermeasures
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的和内容 1
1.3 国内外研究现状 1
第2章 跨境电子商务支付相关概述 3
2.1 跨境电子商务支付的定义 3
2.2 跨境电子商务支付的特点 3
2.2.1 全球性 3
2.2.2 多边化 4
2.3 跨境电子商务支付的发展历程 4
第3章 跨境电子商务支付的主要模式 5
3.1 第三方支付机构模式 5
3.2 商业银行跨境汇款模式 5
3.3 电子钱包支付模式 5
第4章 跨境电子商务支付存在的风险分析 7
4.1 资金占用成本高 7
4.1.1 跨境融资成本高 7
4.1.2 沉淀在第三方支付平台 7
4.2 成本不确定性 7
4.3 结算周期长 8
4.4 信用卡欺诈 8
第5章 跨境电子商务支付风险的优化对策 10
5.1 优化资金管理 10
5.1.1 拓宽融资渠道 10
5.1.2 合理利用沉淀资金 10
5.2 多元化货币结算 11
5.3 采用快速支付通道 11
5.4 加强信用评估管理 11
结 论 13
参考文献 14
