首页|数字金融赋能跨境电商:理论逻辑、现实困境与发展路径

数字金融赋能跨境电商:理论逻辑、现实困境与发展路径

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跨境电商等贸易新业态是我国对外开放的重要载体,是国际贸易发展的新动能,已成为推动我国外贸转型升级的重要力量.但目前跨境电商面临着物流成本高、企业融资难、跨境风险高等诸多问题,数字金融的发展为跨境电商提供了新的发展机遇.本文立足于数字金融赋能跨境电商的理论逻辑,较为系统地分析了数字金融服务跨境电商的发展现状和技术应用,并探讨了数字金融服务跨境电商发展过程中面临的问题挑战.基于此,针对监管机构和商业银行提出应用数字金融推动跨境电商发展的对策建议,以促进跨境金融业务全面转型,加速中国跨境电商企业的全球布局.
Digital Finance Enables the Cross-Border E-Commerce:Theoretical Logic,Realistic Dilemma and Development Path
Cross-border e-commerce and other new forms of trade are an important carrier of China's opening up to the outside world,a new driving force for the development of international trade,and have become an impor-tant force in promoting the transformation and upgrading of China's foreign trade.However,cross-border e-com-merce is currently facing many problems such as high logistics costs,difficult enterprise financing,high cross-bor-der risk,etc.The development of digital finance provides new development opportunities for cross-border e-com-merce.Based on the theoretical logic of digital finance empowering the cross-border e-commerce,this paper sys-tematically analyzes the development status and technical application of digital finance serves the cross-border e-commerce,and discusses the problems and challenges faced in the process.Based on this,this paper proposes countermeasure suggestions for regulators and commercial banks to apply digital finance to promote the develop-ment of cross-border e-commerce,so as to facilitate the comprehensive transformation of cross-border financial business and accelerate the global layout of Chinese cross-border e-commerce enterprises.

digital financedigital economycross-border e-commercedigital tradeforeign tradecross-bor-der financefinancial technologydigital RMB

车丽波

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北京银行博士后科研工作站 北京 100033

清华大学五道口金融学院博士后流动站 北京 100083

数字金融 数字经济 跨境电商 数字贸易 对外贸易 跨境金融 金融科技 数字人民币

2024

西南金融
四川省金融学会

西南金融

CHSSCD北大核心
影响因子:0.821
ISSN:1009-4350
年,卷(期):2024.(8)
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