数字货币对跨境电商发展的影响研究

Research on the Impact of Digital Currency on Cross-Border E-Commerce Development

摘要: 随着全球经济一体化的不断推进，互联网金融科技与跨境电商行业均在蓬勃发展。在互联网金融科技的助推下，跨境电商行业的支付方式发生了变化。本文聚焦数字货币对跨境电商发展的影响机制，通过解构支付效率、交易成本、安全信任及市场拓展四大维度，揭示数字货币如何重塑跨境电商生态。研究表明：数字货币通过点对点结算、去中心化清算等技术特性，显著提升跨境支付效率，降低综合成本，并依托量子加密与区块链可追溯性构建新型信任机制。同时，数字货币也将带来价格波动性、监管碎片化及技术安全风险等挑战。最后从企业、监管与技术三个层面提出相关建议，为其面对数字货币与跨境电商融合产生的挑战提供了方向。

Abstract: With the continuous advancement of global economic integration, both internet financial technology and the cross-border e-commerce industry are experiencing robust growth. Driven by internet financial technology, payment methods in cross-border e-commerce have undergone a significant transformation. This study focuses on the impact mechanisms of digital currency on cross-border e-commerce development, revealing how digital currency reshapes its ecosystem through deconstructing four key dimensions: payment efficiency, transaction costs, security trust, and market expansion. Research demonstrates that digital currency substantially enhances cross-border payment efficiency and reduces comprehensive costs via technological features such as peer-to-peer settlement and decentralized clearing, while establishing novel trust mechanisms leveraging quantum encryption and blockchain traceability. Simultaneously, it introduces challenges including price volatility, regulatory fragmentation, and technical security risks. Finally, recommendations from corporate, regulatory, and technical perspectives are proposed, providing directional guidance for addressing challenges arising from the integration of digital currency and cross-border e-commerce.