数字人民币对跨境电商支付体系革新的影响

The Impact of Digital RMB on the Innovation of Cross-Border E-Commerce Payment System

摘要: 在数字经济与电商行业深度融合的背景下，传统跨境电商支付体系依托代理银行网络的多层级清算模式弊端凸显。效率低下、成本高昂、适配性不足等问题制约了跨境电商行业的高质量发展。数字人民币作为中国人民银行发行的法定数字货币，依托国家信用背书、双层运营架构及先进数字技术，已在跨境支付领域开展规模化试点。本文结合跨境电商发展实践与相关理论，剖析数字人民币“可控匿名”“场景包容性强”等核心特征，为解决数字人民币融入跨境电商支付场景面临的行业规则协同不足、技术适配性欠缺、安全合规风险等问题，提供理论参考与实践支撑。

Abstract: Against the backdrop of deep integration between the digital economy and e-commerce, the traditional cross-border e-commerce payment system—relying on multi-tiered clearing models through correspondent banking networks—has revealed its inherent limitations. Issues such as inefficiency, high costs, and inadequate adaptability have constrained the high-quality development of the cross-border e-commerce sector. As a legal digital currency issued by the People’s Bank of China, the digital yuan (RMB) leverages national credit endorsement, a dual-layer operational framework, and advanced digital technologies to conduct large-scale pilot programs in cross-border payments. This paper combines practical experiences in cross-border e-commerce development with relevant theories to analyze core features of the digital yuan, including its “controlled anonymity” and “strong scenario inclusiveness.” It provides theoretical references and practical support for addressing challenges such as insufficient industry rule coordination, inadequate technical compatibility, and security compliance risks in integrating the digital yuan into cross-border e-commerce payment scenarios.