摘要
随着跨境电子商务的迅猛发展，支付渠道作为其中的重要环节，对于提升交易效率、保障交易安全具有重要意义。本文旨在探讨跨境电子商务支付渠道的建设及路径完善策略。首先，本文概述了跨境电子商务支付渠道的定义、分类、发展历程及主要特点。跨境电子商务支付渠道是指支持跨境电子商务交易的支付系统或平台，其发展历程经历了从传统的银行汇款到第三方支付、移动支付等多种方式的演变。目前，跨境电子商务支付渠道呈现出多样化、便捷化、安全化等特点。然而，跨境电子商务支付渠道在发展过程中也面临着一系列问题与挑战，如支付效率低下、流程繁琐、汇率波动与支付风险、法律法规差异与合规风险以及支付安全与欺诈风险等。这些问题不仅影响了跨境电子商务交易的效率，也增加了交易风险，限制了跨境电子商务的进一步发展。针对这些问题，本文提出了一系列建设及路径完善策略。首先，通过优化支付系统和标准化支付流程，提高支付效率并简化支付流程。其次，采用多元化货币支付和使用套期保值工具等方法降低汇率波动与支付风险。此外，加强国际支付监管合作、规范企业市场准入等措施有助于解决法律法规差异与合规风险。
关键词：跨境电子商务；支付渠道；支付效率；支付风险；法律法规差异
Abstract
With the rapid development of cross-border e-commerce, payment channels, as an important link, are of great significance for improving transaction efficiency and ensuring transaction security. This paper aims to explore the construction of cross-border e-commerce payment channels and path improvement strategies. Firstly, this paper summarizes the definition, classification, development and main characteristics of cross-border e-commerce payment channels. Cross-border e-commerce payment channels refer to payment systems or platforms that support cross-border e-commerce transactions. Their development has evolved from traditional bank remittance to third-party payment and mobile payment. At present, cross-border e-commerce payment channels are characterized by diversification, convenience and security. However, cross-border e-commerce payment channels also face a series of problems and challenges in the development process, such as low payment efficiency, cumbersome processes, exchange rate fluctuations and payment risks, differences in laws and regulations and compliance risks, and payment security and fraud risks. These problems not only affect the efficiency of cross-border e-commerce transactions, but also increase transaction risks and limit the further development of cross-border e-commerce. To solve these problems, this paper puts forward a series of construction and path improvement strategies. First, by optimizing the payment system and standardizing the payment process, the payment efficiency is improved and the payment process is simplified. Secondly, adopt diversified currency payment and use hedging tools to reduce exchange rate fluctuations and payment risks. In addition, measures such as strengthening international payment regulatory cooperation and standardizing market access for enterprises can help address legal and regulatory differences and compliance risks.
Keywords： Cross-border e-commerce; Payment channels; Payment efficiency; Payment risk; Differences in laws and regulations
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景 1
（二）研究目的及意义 1
二、跨境电子商务支付渠道概述 2
（一）跨境电子商务支付渠道的定义与分类 2
（二）跨境电子商务支付渠道的发展历程 2
（三）跨境电子商务支付渠道的主要特点 2
三、跨境电子商务支付渠道存在的问题与挑战 4
（一）支付效率低下与流程繁琐 4
（二）汇率波动与支付风险 4
（三）法律法规差异与合规风险 4
（四）支付安全与欺诈风险 5
四、跨境电子商务支付渠道建设及路径完善策略 6
（一）提高支付效率与简化支付流程 6
（二）降低汇率波动与支付风险 6
（三）解决法律法规差异与合规风险 6
（四）加强支付安全与防范欺诈风险 7
结 论 8
参考文献 9
