金融科技赋能跨境电商的机制与模式研究

Research on the Mechanisms and Models of Fintech-Enabled Cross-Border E-Commerce

摘要: 在全球数字经济纵深发展与国际贸易格局深度重构的双重背景下，跨境电商作为中国外贸高质量发展的核心引擎，正经历从规模扩张向效率驱动与价值提升的战略转型。金融科技凭借其数据驱动、技术嵌入与流程重构的核心优势，为破解跨境电商发展中的融资困境、支付瓶颈与风险管理难题提供了全新可能。本文基于金融科技与跨境电商融合发展的理论逻辑，系统构建了金融科技赋能跨境电商的分析框架，从支付结算、供应链金融、风险管控与信用体系四个维度揭示赋能机制，进而提炼出“数据驱动–场景嵌入–生态协同”的三维赋能模式。研究发现，金融科技与跨境电商的深度融合正推动产业从“交易撮合型”向“价值共创型”范式跃迁，而这一转型的有效实现依赖于技术能力、场景适配与制度环境的协同演进。本文为理解数字金融与新贸易业态的互动关系提供了新视角，也为企业实践与行业发展提供了理论参考。

Abstract: Against the dual backdrop of the deep development of the global digital economy and the fundamental restructuring of international trade patterns, cross-border e-commerce, as the core engine of high-quality development of China’s foreign trade, is undergoing a strategic transformation from scale expansion to efficiency-driven and value-enhanced growth. Fintech, with its core advantages of data-driven operations, technological embedding, and process restructuring, offers new possibilities for solving the financing difficulties, payment bottlenecks, and risk management challenges in the development of cross-border e-commerce. Based on the theoretical logic of the integrated development of fintech and cross-border e-commerce, this paper systematically constructs an analytical framework for fintech-enabled cross-border e-commerce, revealing the enabling mechanisms from four dimensions: payment and settlement, supply chain finance, risk control, and credit systems. Furthermore, it extracts a three-dimensional enabling model of “data-driven, scenario-embedded, and ecosystem-synergistic”. The study finds that the deep integration of fintech and cross-border e-commerce is driving a paradigm shift of the industry from a “transaction-matching” type to a “value co-creation” type, and the effective realization of this transformation depends on the co-evolution of technological capabilities, scenario adaptation, and institutional environment. This paper provides a new perspective for understanding the interactive relationship between digital finance and new trade formats, as well as a theoretical reference for corporate practices and industrial development.