跨境电商供应链金融风险的协同治理机制研究——基于政策工具与区块链技术的双轮驱动
Research on Collaborative Governance Mechanism of Cross-Border E-Commerce Supply Chain Financial Risks—Based on the Dual-Wheel Drive of Policy Tools and Blockchain Technology
摘要: 本文研究跨境电商供应链金融风险的协同治理机制，探讨政策工具与区块链技术的双轮驱动作用，旨在揭示“政策 + 技术”在跨境金融领域的内在逻辑，丰富供应链金融理论体系，为后续研究提供新视角。同时，为中小外贸企业提供可操作的风险防控方案，优化供应链金融管理流程，降低风险，提升融资效率与经营效益。通过多案例对比法，选取京东、蚂蚁金服、广西“桂惠贷”三种模式进行分析，结果表明：政策工具与区块链技术的协同治理能有效降低跨境电商供应链金融风险。京东模式通过银企合作与区块链技术提升融资效率；蚂蚁金服“双链通”模式利用区块链与大数据技术降低信息不对称风险；广西“桂惠贷”模式通过政策引导与区块链技术结合，构建多方协同的风险防控体系。
Abstract: This paper studies the collaborative governance mechanism of cross-border e-commerce supply chain financial risks, and explores the dual-wheel drive role of policy tools and blockchain technology, aiming to reveal the internal logic of “policy + technology” in the field of cross-border finance, to enrich the theoretical system of supply chain finance, and to provide a new perspective for the subsequent research. At the same time, it provides small and medium-sized foreign trade enterprises with operable risk prevention and control solutions, optimizes the supply chain finance management process, reduces risks, and improves financing efficiency and operational effectiveness. Through the multi-case comparison method, the three models of Jingdong, Ant Gold Service and Guangxi “Gui Huidai” are selected for analysis, and the results show that the synergistic governance of policy tools and blockchain technology can effectively reduce the risk of cross-border e-commerce supply chain finance. Jingdong mode improves financing efficiency through bank-enterprise cooperation and blockchain technology; Ant Gold Service’s “Double Chain” mode utilizes blockchain and big data technology to reduce the risk of information asymmetry; and Guangxi’s “Gui Huidai” mode builds a multi-party collaborative risk prevention and control system through the combination of policy guidance and blockchain technology.
文章引用：王晨, 房渲杨. 跨境电商供应链金融风险的协同治理机制研究——基于政策工具与区块链技术的双轮驱动[J]. 电子商务评论, 2025, 14(7): 136-145. https://doi.org/10.12677/ecl.2025.1472147

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