摘要
随着全球化进程的加速和互联网技术的迅猛发展，跨境电子商务已成为国际贸易的重要组成部分，其支付解决方案与风险管理成为学术界和实务界关注的核心议题。本研究旨在探讨跨境电子商务支付过程中面临的挑战，并提出系统化的支付解决方案与风险管理体系。研究基于文献分析与案例研究相结合的方法，选取了多个具有代表性的跨境电商平台进行深入剖析，同时结合定性和定量数据评估现有支付模式的有效性及潜在风险。研究发现，当前跨境支付主要面临汇率波动、支付安全、合规性要求以及用户信任等多重问题，而区块链技术、智能合约以及多层次身份认证机制的应用为解决这些问题提供了创新路径。本研究构建了一个集成化支付框架，该框架不仅优化了支付效率，还显著提升了交易的安全性和透明度。此外，研究提出了针对性的风险管理策略，包括动态风险监测体系和多维度信用评估模型，以降低跨境支付中的不确定性。本研究的主要贡献在于首次将区块链技术与传统支付体系相融合，为跨境电子商务支付领域提供了理论支持与实践指导，同时为相关政策制定者提供了有价值的参考依据，推动了行业标准化与规范化发展。
关键词：跨境电子商务；支付解决方案；风险管理；区块链技术；跨境支付
Abstract
With the acceleration of globalization and the rapid development of Internet technology, cross-border e-commerce has become a crucial component of international trade, with its payment solutions and risk management becoming core issues of concern for both academia and practice. This study aims to explore the challenges faced in the payment process of cross-border e-commerce and propose a systematic payment solution and risk management fr amework. By employing a research methodology that combines literature analysis with case studies, multiple representative cross-border e-commerce platforms were selected for in-depth examination. Simultaneously, qualitative and quantitative data were utilized to evaluate the effectiveness and potential risks of existing payment models. The findings indicate that current cross-border payments primarily encounter multifaceted issues such as exchange rate fluctuations, payment security, compliance requirements, and user trust. The application of blockchain technology, smart contracts, and multi-layered identity authentication mechanisms offers innovative pathways to address these challenges. This study constructs an integrated payment fr amework that not only enhances payment efficiency but also significantly improves the security and transparency of transactions. Furthermore, targeted risk management strategies are proposed, including a dynamic risk monitoring system and a multi-dimensional credit evaluation model, to reduce uncertainties in cross-border payments. The primary contribution of this study lies in its pioneering integration of blockchain technology with traditional payment systems, providing theoretical support and practical guidance for the field of cross-border e-commerce payments. Additionally, it offers valuable references for policymakers, promoting the standardization and regulation of the industry.
Keywords：Cross Border E Commerce; Payment Solution; Risk Management; Blockchain Technology; Cross Border Payment
目 录
摘要 I
Abstract II
一、绪论 1
(一) 跨境电子商务支付研究背景与意义 1
(二) 国内外支付解决方案与风险管理研究现状 1
(三) 本文研究方法与技术路线 2
二、跨境支付解决方案分析 2
(一) 主流跨境支付工具及其特点 2
(二) 不同支付方式的适用场景与优劣势 3
(三) 新兴支付技术对跨境电子商务的影响 3
三、跨境支付中的风险识别与评估 4
(一) 跨境支付的主要风险类型 4
(二) 风险评估方法与模型构建 4
(三) 实际案例中的风险表现与影响 5
四、跨境支付风险管理策略研究 5
(一) 政策法规对风险管理的作用 6
(二) 技术手段在风险控制中的应用 6
(三) 企业层面的风险管理实践与优化 7
结 论 8
参考文献 9
