摘要
传统国际贸易模式下的跨境支付无法匹配与满足跨境电子商务发展的现实需求。研究发现,除货到付款、银行卡等跨境支付方式外,第三方支付、电子钱包等新兴跨境支付方式不断涌现,并正在被快速推广与应用,服务于跨境电子商务的跨境支付业务,并受越来越多企业的青睐。全球不同地区的跨境支付表征及使用习惯差异显著;就中国第三方支付方式而言,针对不同跨境电商模式会提供不同跨境支付业务,如购付汇与收结汇等。跨境支付方式的选择会受到诸如支付方式普及率、使用偏好、使用成本等因素影响。基于此,在运作跨境支付业务时,建议采用多种跨境支付搭配使用,追求目标市场与自身优势的完美结合,实现跨境支付与跨境电商平台协同等策略。
Cross-border payment under the traditional international trade model cannot match and meet the needs of cross-border e- commerce development. This paper shows that, in addition to cash on delivery and bank cards, the third party payment, e- wallet and other emerging cross-border payment methods continue to emerge, which have been rapidly promoted and ap- plied, and favored by more and more companies. There are significant differences in the characteristics of cross-border payment in different regions of the world. On China＇s third party payment terms, it provides different cross-border payment services for different cross-border e-commerce models, such as purchase payment and exchange settlement. The choice of cross-border payment will be affected by such factors as the way of payment, the use of preference, and the cost of use. Based on this, for cross-border payment services, it is recommended to use a variety of cross-border payments, pursue the perfect combination of the target market and its own advantages, and achieve cross-border payment and cross-border e- commerce platform collaboration.
出处
《企业经济》
CSSCI
北大核心
2017年第7期53-58,共6页
Enterprise Economy
基金
教育部哲学社会科学研究重大课题攻关项目"跨境电子商务企业经营风险预警与防范机制研究"(项目编号:16JZD021)
关键词
跨境电子商务
跨境支付
第三方支付平台
支付习惯
cross-border e-commerce
cross-border payment
third party payment platform
payment habits
