跨境电商下国际结算新风险挑战及对策研究

Research on New Risks, Challenges and Countermeasures of International Settlement under Cross-Border E-Commerce

摘要: 本文主要研究跨境电商国际结算环节的风险，分析了信用风险、汇率风险、法律法规风险、支付平台风险和市场风险的产生原因及影响。研究提出构建一个综合风险管理体系，包括智能化风险监控、区块链技术应用、供应链风险管理、合法合规性管理以及客户信用管理。结果表明，通过数据驱动的信用评估、实时汇率对冲、区块链支持的支付透明化、动态合规性审查以及差异化客户信用策略，可以有效降低国际结算风险，提高企业运营效率和市场竞争力。本研究为跨境电商企业提供了实用的风险管理框架，为国际结算领域的实践和理论研究提供了参考方向。

Abstract: This paper mainly studies the risks in international settlement of cross-border e-commerce, and analyzes the causes and effects of credit risk, exchange rate risk, laws and regulations risk, payment platform risk and market risk. The study proposes to build a comprehensive risk management system, including intelligent risk monitoring, application of block chain technology, supply chain risk management, legal compliance management and customer credit management. The results show that through data-driven credit assessment, real-time exchange rate hedging, payment transparency supported by block chain, dynamic compliance review and differentiated customer credit strategy, the risk of international settlement can be effectively reduced, and the operation efficiency and market competitiveness of enterprises can be improved. This study provides a practical risk management framework for cross-border e-commerce enterprises and a reference direction for practical and theoretical research in the field of international settlement.