基于区块链技术的跨境电商支付新模式探究

A Study on the New Mode of Cross-border E-commerce Payment Based on Blockchain Technology

分析目前跨境电商支付模式存在信用风险高、到账时间长、支付成本高、对中心系统依赖程度高等问题;提出“区块链+跨境电商支付”新模式,将区块链的去中心化、智能合约、点对点交易等技术应用于跨境电商支付场景,简化跨境电商支付流程,解决跨境电商高速发展对支付的安全、快捷、高效、低成本的需求。

Based on an analysis of the problems in the current cross-border e-commerce payment mode,i.e.,high credit risk,delayed accounting time,high payment cost and strong dependence on the central system;this paper proposes a new mode of"blockchain plus cross-border e-commerce payment",which applies such technologies a s blockchain decentralization,smart contract and point-to-point transaction to cross-border e-commerce payment scenarios.Ihe new mode aims to simplify the process of cross-border e-commerce payment and meet the need for safe,ast,efficient and low-cost payment incurred by the rapid development of cross-border e-commerce.