摘 要
随着全球化进程的加速和互联网技术的迅猛发展，跨境电商已成为国际贸易的重要组成部分，其支付环节作为交易的核心部分，面临着复杂多变的安全与效率挑战。本研究旨在探讨跨境电商支付解决方案及其风险管理策略，以提升支付系统的安全性、便捷性和可靠性。研究采用文献分析法、案例研究法以及实证分析法相结合的方式，对当前主流支付模式进行深入剖析，并结合实际应用场景评估其优劣。研究发现，区块链技术在跨境支付中的应用能够显著降低交易成本并提高透明度，同时智能合约的引入为支付流程提供了更高的自动化水平。此外，基于大数据的风险监控体系可有效识别和防范潜在的支付风险。本研究的创新点在于将新兴技术与传统支付方式有机结合，提出了一个多维度、动态化的支付风险管理框架，为跨境电商企业提供了更具操作性的实践指导。研究结果表明，通过优化支付技术和强化风险管理，可以显著改善跨境电商支付体验，促进全球贸易的进一步发展。这一研究成果不仅填补了现有研究中关于技术融合与风险管理协同作用的空白，还为未来相关领域的理论探索和实践应用奠定了坚实基础。
关键词：跨境电商支付；区块链技术；智能合约；风险管理；大数据监控
Abstract
With the acceleration of globalization and the rapid development of Internet technology, cross-border e-commerce has become an essential component of international trade. As a core aspect of transactions, the payment process faces complex and ever-changing challenges regarding security and efficiency. This study aims to explore payment solutions for cross-border e-commerce and their associated risk management strategies in order to enhance the security, convenience, and reliability of payment systems. By integrating literature analysis, case studies, and empirical analysis, this research provides an in-depth examination of current mainstream payment models and evaluates their strengths and weaknesses based on real-world application scenarios. The findings indicate that the application of blockchain technology in cross-border payments can significantly reduce transaction costs while increasing transparency. Furthermore, the introduction of smart contracts offers a higher degree of automation in the payment process. Additionally, a risk monitoring system based on big data can effectively identify and mitigate potential payment risks. The innovation of this study lies in its integration of emerging technologies with traditional payment methods, proposing a multi-dimensional and dynamic fr amework for payment risk management that provides cross-border e-commerce enterprises with more operational practical guidance. The results demonstrate that optimizing payment technologies and strengthening risk management can substantially improve the payment experience in cross-border e-commerce, thereby promoting the further development of global trade. This research not only fills the gap in existing studies concerning the synergy between technological integration and risk management but also lays a solid foundation for future theoretical exploration and practical applications in related fields.
Keywords: Cross-Border E-Commerce Payment; Blockchain Technology; Smart Contract; Risk Management; Big Data Monitoring
目 录
一、绪论 1
（一）跨境电商支付研究背景与意义 1
（二）国内外研究现状分析 1
（三）研究方法与技术路线 1
二、跨境电商支付解决方案分析 2
（一）支付方式的多样性与选择 2
（二）第三方支付平台的作用与挑战 2
（三）数字货币在跨境电商中的应用前景 3
三、跨境电商支付风险识别与评估 4
（一）汇率波动对支付的影响 4
（二）信用风险与欺诈行为分析 4
（三）法规合规性风险探讨 5
四、跨境电商支付风险管理策略 5
（一）风险防控的技术手段 5
（二）数据驱动的风险管理框架 6
（三）国际合作与政策支持的重要性 6
结论 7
参考文献 8
致 谢 9
