区块链技术在跨境支付中的发展与展望

The Development and Prospect of Blockchain Technology in Cross-border Payment

国际贸易的快速发展,使跨境支付的重要性日益突出,而基于区块链技术的跨境支付系统正在为跨境支付体系的发展注入强劲动力。本文先从传统跨境支付体系出发,得出其主要存在环节多、中心化、可及性差的问题,并在此基础上剖析基于区块链的新型跨境支付系统——Ripple、BWW、mBridge,利用区块链的去中心化、可追溯等特点,可以大幅改进现有的跨境支付体系。但当前区块链跨境支付系统仍有不成熟之处,综合Ripple、BWW、mBridge三个系统得出,区块链跨境支付系统的进一步发展,需要更好地平衡协调数据隐私保护与监管、扩大互联性、可用性及制定统一的技术标准。

The rapid development of international trade has made cross-border payment increasingly important,and the cross-border payment system based on the blockchain technology is giving a strong impetus to the development of cross-border payment system.This study fi rst starts from the traditional cross-border payment system and concludes that it mainly suffers from the problems of multiple links,centralization and poor accessibility.And on this basis,it analyzes the new cross-border payment systems based on the blockchain,including Ripple,BWW and mBridge,which can signifi cantly improve the existing cross-border payment system by using the decentralized and traceable features of the blockchain,but the system is still immature.From the combination of Ripple,BWW,and mBridge systems,it is concluded that the further development of blockchain cross-border payment systems requires a better balance of data privacy protection and regulation,increasing inter-connectivity and usability,and developing unifi ed technical standards.