第三方电子支付为导向的跨境电商供应链金融模式及风险防范  

Researches on Supply Chain Finance Mode and Risk Prevention of the Cross-boarder E-commerce Oriented by the Third Party Electronic Payment

作　　者：陈尾云 CHEN Weiyun(Department of Economics and Management,Jinshan College of Fujian Agriculture and Forestry University,Fuzhou 350002,China)

机构地区：[1]福建农林大学金山学院经济与管理系,福建福州350002

出　　处：《三明学院学报》2024年第5期28-33,104,共7页Journal of Sanming University

基　　金：福建省省级一流本科专业建设点项目(yx220202);福建省省级一流本科课程项目(yx220211)。

摘　　要：第三方电子支付为导向的跨境电商供应链金融模式,为中小型跨境电商企业的融资提供了新的机会。第三方电子支付为导向的跨境电商供应链金融模式与跨境电商平台、跨境物流、银行为导向的供应链金融模式的比较分析,显示第三方电子支付为导向的跨境电商供应链金融模式在平台信息资源、融资效率、定价透明、账期灵活等方面具有比较优势。针对该金融模式的风险,应从市场风险、法律风险、信用风险和操作与平台系统风险等方面进行防控,增强抵御风险的能力。The supply chain finance mode oriented by the third party electronic payment provides new financing chance for the small and medium-sized cross-boarder e-commerce enterprises.By comparing the supply chain finance mode based on the third party electronic payment with those oriented by the cross-boarder e-commerce platforms,the cross-boarder lo⁃gistics and banks,the results show that the supply chain finance mode based on the third party electronic payment has com⁃parative advantages in platform information resources,financing efficiency,pricing transparency and short accounting period and so on.In view of the risk of the financial model,it is suggested to prevent and control the market risk,legal risk,credit risk and operation and platform system risk,and enhance the ability to preventing risks.

关 键 词：第三方电子支付 跨境电商 供应链金融模式 风险防范 

分 类 号：F713.365[经济管理—产业经济]