摘 要
随着全球经济一体化的深入推进，跨境金融服务需求持续增长，金融科技在其中的应用成为研究热点。本研究旨在探讨金融科技如何优化跨境支付、结算及风险管理等关键环节，通过文献分析与案例研究相结合的方法，系统评估了区块链、人工智能和大数据技术在提升跨境金融服务效率中的作用。研究发现，区块链技术显著降低了跨境支付的时间成本与交易费用，而人工智能和大数据则有效提升了风险识别的精准度与实时性。此外，研究还揭示了当前技术应用中存在的监管差异与数据安全挑战，并提出构建统一标准体系与加强国际合作的建议。本研究的创新点在于首次将多种金融科技手段进行综合分析，并结合实际应用场景验证其可行性，为推动跨境金融服务的数字化转型提供了理论支持与实践参考。研究成果对完善跨境金融基础设施建设及促进全球金融普惠具有重要意义。
关键词：金融科技；跨境支付；区块链技术
Abstract
With the deepening of global economic integration, the demand for cross-border financial services continues to grow, and the application of fintech in this field has become a research hotspot. This study aims to explore how fintech can optimize key aspects such as cross-border payments, settlements, and risk management by combining literature analysis with case studies to systematically evaluate the role of blockchain, artificial intelligence, and big data technologies in enhancing the efficiency of cross-border financial services. The findings indicate that blockchain technology significantly reduces the time cost and transaction fees associated with cross-border payments, while artificial intelligence and big data effectively improve the accuracy and real-time nature of risk identification. Furthermore, the study reveals the challenges posed by regulatory discrepancies and data security issues in current technological applications and proposes the establishment of a unified standard system and enhanced international cooperation. A notable innovation of this research lies in its first-ever comprehensive analysis of multiple fintech approaches, combined with practical application scenarios to verify their feasibility, thereby providing theoretical support and practical references for promoting the digital transformation of cross-border financial services. The research outcomes hold significant implications for improving the construction of cross-border financial infrastructure and advancing global financial inclusion.
Keywords: Fintech；Cross-Border Payment；Blockchain Technology
目 录
引言 1
一、跨境金融服务的现状分析 1
（一）全球跨境金融服务概述 1
（二）传统跨境金融服务的痛点 2
（三）跨境金融服务的技术需求 2
二、金融科技在跨境支付中的应用 2
（一）区块链技术的应用场景 3
（二）数字货币对跨境支付的影响 3
（三）智能合约在支付清算中的作用 3
三、金融科技提升跨境贸易便利化 4
（一）数据驱动的信用评估机制 4
（二）跨境贸易融资的创新模式 4
（三）金融科技支持的供应链管理 5
四、跨境金融服务的风险与监管挑战 5
（一）金融科技带来的安全风险 5
（二）国际监管政策的协调问题 6
（三）风险防控的技术解决方案 6
结 论 6
致 谢 8
参考文献 9
