区块链技术在电商交易与支付中的价值

The Value of Blockchain Technology in E-Commerce Transactions and Payments

摘要: 伴随着电子商务的发展，交易与支付面临着如何加快速度、降低成本、缺乏信用保障、怎样防止资金安全等问题，这些问题都成为区块链得以应用于电商支付场景的原因。基于去中心化、不可篡改、可追溯性、自动化的优点，结合电商相关场景，可以看出其解决方案非常具有可行性。并且从理论上总结了区块链在电商领域的应用场景有：支付与结算、智能合约驱动交易、供应链金融和溯源、数字身份与信用体系等，随后从四个方面分别阐释了其价值：一是解决效率成本问题；二是解决信用和安全问题；三是解决金融创新和普惠价值问题；最后还指出了现存问题和未来建议，认为区块主要是完善区块链与人工智能、大数据、物联网等技术融合的问题，并且还要注意在法律上予以完善，加强跨境协同合作、加强保护消费者、鼓励创新平台等。全文可以作为参考研究电商行业中涉及的问题，对区块链技术的应用起到一定的促进作用。

Abstract: Due to the fast development pace of e-commerce transaction and payment systems have many challenges including inefficiencies, high fees, lack of credibility, and insecurity. These problems can be solved with the help of blockchain technology which is characterized by decentralization, immutability, traceability, and smart contract systems. The article tries to build the theoretical framework of how blockchain applies to the e-commerce system. Coverage includes payment and settlement, smart contract-driven transactions, supply chain finance and traceability, as well as digital identity and credit system. The authors analyze value creation from an angle of e-commerce transaction and payment based on four aspects of blockchain: efficiency and cost, trust and security, financial innovation and inclusiveness. By this study, they find that blockchain can increase the level of value among the players of an e-commerce ecosystem in terms of m.it can improve the micro level of efficiency and trust mechanism, as well as promote macro level such as cross border e-commerce development, supply chain transparency and digital economy upgrade. However, the application of blockchain still faces many problems including technical bottleneck, financial risk, legal and regulatory uncertainty and lack of the market acceptation. From the above remarks, this paper points out the subsequent development plan of blockchain technology. The report points out some current trends and policies for governing, which is proposed to incorporate the advantages of blockchain in the sectors of AI, big data, and IoT. In order to regulate properly, it mentions cooperating among governments worldwide, ensuring safety to protect consumers, and providing mechanisms to encourage innovative platforms to engage in platform management as part of promoting an e-commerce industry that promotes the digital transformation, builds a fairer trading environment, provides safer service experiences, and creates more business opportunities.