摘要
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。
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 ecommerce,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.
出处
《西南金融》
北大核心
2024年第8期81-92,共12页
Southwest Finance
关键词
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
digital finance
digital economy
cross-border e-commerce
digital trade
foreign trade
cross-bor⁃der finance
financial technology
digital RMB
