从丝绸之路的“人格担保”到跨境电商的“数字信用”体系研究

Research on the Transition from the “Personal Guarantee” of the Silk Road to the “Digital Credit” System in Cross-Border E-Commerce

摘要: 信任是跨境贸易得以发生和持续的基石。本文追溯了古丝绸之路以人格化、关系网络为核心的“人格担保”信任模式，并对比分析了现代跨境电商以数据、算法和制度为核心的“数字信用”体系。信任的构建方式经历了从“基于人的信任”到“基于系统的信任”的范式变迁，其背后是交易范围、规模与复杂性的几何级数增长。本研究旨在通过梳理这一演变历程，为理解数字经济时代信任的本质与跨境电商的未来发展提供理论借鉴。

Abstract: Trust is the cornerstone for cross-border trade to occur and persist. This article traces the “personal guarantee” trust model centered on personification and relationship networks along the ancient Silk Road, and contrasts it with the “digital credit” system in modern cross-border e-commerce, which is based on data, algorithms and institutions. The way trust is constructed has undergone a paradigm shift from “trust based on people” to “trust based on systems”, driven by the geometric growth of transaction scope, scale and complexity. This study aims to provide theoretical references for understanding the essence of trust in the digital economy era and the future development of cross-border e-commerce by sorting out this evolution process.