跨境支付系统创新对传统银行业务的挑战与机遇 -金融学专业

摘要

随着全球经济一体化的深入推进和金融科技的迅猛发展，跨境支付系统正经历前所未有的创新变革，这对传统银行业务构成了显著挑战与机遇。本研究旨在探讨新兴跨境支付系统对传统银行经营模式的影响，并分析其潜在的战略价值。基于区块链技术的去中心化支付系统显著提升了交易效率，降低了成本，并增强了透明度，但同时也对传统银行的中介角色形成了直接冲击。然而，这种创新也为银行提供了转型升级的机会，例如通过整合新技术优化服务流程、拓展数字化产品线以及强化客户体验。本研究的核心贡献在于揭示了跨境支付系统创新的双重效应，并提出了传统银行在技术融合、风险管理及商业模式重构方面的具体路径，为行业实践提供了理论支持与决策参考。此外，研究强调了国际合作与监管协调的重要性，以确保金融体系的稳定与可持续发展。

关键词：跨境支付系统；区块链技术；传统银行；技术创新；风险管理

Challenges and Opportunities of Cross-border Payment System Innovation for Traditional Banking Services

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Abstract

With the deepening of global economic integration and the rapid development of financial technology, cross-border payment systems are experiencing unprecedented innovation and change, which poses significant challenges and opportunities to traditional banking services. This study aims to explore the impact of emerging cross-border payment systems on traditional banking business models and analyze their potential strategic value. Decentralized payment systems based on blockchain technology significantly improve transaction efficiency, reduce costs, and enhance transparency, but at the same time, it also has a direct impact on the intermediary role of traditional banks. However, this innovation also provides opportunities for banks to transform and upgrade, such as optimizing service processes by integrating new technologies, expanding digital product lines, and enhancing customer experiences. The core contribution of this study is to reveal the dual effects of cross-border payment system innovation, and put forward the specific path of traditional banks in terms of technology integration, risk management and business model reconstruction, providing theoretical support and decision-making reference for industry practice. In addition, the study highlights the importance of international cooperation and regulatory coordination to ensure the stability and sustainable development of the financial system.

Keywords: Cross-Border Payment System；Blockchain Technology；Traditional Bank；Technological Innovation；Risk Management

引言 1

一、跨境支付系统创新概述 1

(一)跨境支付系统发展现状 1

(二)创新技术在跨境支付中的应用 2

(三)跨境支付创新的核心特征 2

二、对传统银行业务的挑战 3

(一)支付效率提升对银行的影响 3

(二)中间业务收入的减少趋势 4

(三)数据安全与合规性压力 4

三、传统银行业的应对策略 5

(一)技术升级与数字化转型 5