条件支付视角下数字人民币的电商信任重塑机制

The Mechanism for Reconstructing Trust in E-Commerce from the Perspective of Conditional Payments: A Digital RMB Approach

摘要: 本文探讨了电子商务领域内信任机制的现状及其存在的“信任缺口”，特别是在预付式消费、直播带货和跨境交易等新兴场景中欺诈行为高发的问题。通过对比传统治理路径(如平台自治和第三方支付工具)的局限性，提出了利用数字人民币(e-CNY)的条件支付功能作为解决方案的可能性。条件支付不仅提升了支付效率，还通过智能合约实现了资金释放与特定履约条件的绑定，从而为契约执行提供了刚性的制度保障。研究表明，这种新型制度安排有助于降低交易成本、提高市场透明度并增强消费者信心。最后，本文讨论了条件支付在实际应用中的挑战及政策建议，强调协同治理框架的重要性。

Abstract: This paper explores the current state of trust mechanisms in e-commerce and the existing “trust gap,” particularly the problem of frequent fraud in emerging scenarios such as prepaid consumption, live-streaming e-commerce, and cross-border transactions. By comparing the limitations of traditional governance approaches (e.g., platform self-governance and third-party payment tools), it proposes the possibility of using the conditional payment functionality of digital RMB (e-CNY) as a solution. Conditional payments not only improve payment efficiency but also bind fund release to specific performance conditions through smart contracts, thereby providing a rigid institutional guarantee for contract enforcement. Research shows that this new institutional arrangement helps reduce transaction costs, enhance market transparency, and strengthen consumer confidence. Finally, the paper discusses the challenges of implementing conditional payments in practice and offers policy recommendations, emphasizing the importance of a collaborative governance framework.