数字人民币对跨境电商的影响机制研究  

Study on the Influence Mechanism of Digital RMB on Cross-border E-commerce

作　　者：吴笛[1] WU Di(School of Business,Dalian University of Finance and Economics,Dalian Liaoning 116622,China)

机构地区：[1]大连财经学院商学院,辽宁大连116622

出　　处：《长沙大学学报》2025年第2期82-89,共8页Journal of Changsha University

基　　金：大连市社科联第一批重点课题“因地制宜发展新质生产力推动东北全面振兴研究”(2024dlskzd276);辽宁省教育厅高校基本科研项目面上项目“OBE理念下高校跨境电子商务专业人才培养现状、问题及对策研究”(LJKMR20221954)。

摘　　要：研究旨在探讨数字人民币在跨境电商中的应用效果及其对跨境电商发展的影响。通过构建基准回归模型,对2008—2023年的数据进行了回归分析,检验研究假设。研究发现,数字人民币使用率与跨境电商发展指数之间存在显著的正相关关系,且这一关系在不同地区存在差异,东部地区的应用效果最为显著,中部地区次之,西部地区相对较弱。进一步的影响机制分析表明,数字人民币通过提高支付效率、降低支付成本和提升支付安全性等多个机制,共同推动了跨境电商的发展。稳健性检验进一步确认了研究结果的可靠性和稳健性。基于研究结果,提出加大数字人民币宣传和推广力度、制定差异化推广策略、优化技术和服务以及加强国际合作等建议,以推动数字人民币在跨境电商中的更广泛应用。This study aims to explore the application of digital RMB in cross-border e-commerce and its impact on the development of cross-border e-commerce.By constructing a baseline regression model,the data from 2008—2023 are empirically analyzed.It can be seen that there is a significant positive correlation between the utilization rate of digital RMB and the development index of cross-border e-commerce.However this relationship is different in regions,with the most significant application in eastern region,followed by central region,and relatively weak in western region.Further analysis of the impact mechanism shows that digital RMB has jointly promoted the development of cross-border e-commerce by improving payment efficiency,reducing payment costs and improving payment security.Robustness test further confirmed the reliability and robustness of the research results.Based on the research results,this paper puts forward following suggestions such as strengthening the publicity and promotion of digital RMB,developing differentiated promotion strategies,optimizing technologies and services,strengthening international cooperation,so as to promote the application of digital RMB in cross-border e-commerce.

关 键 词：数字人民币 跨境电商 支付效率 支付成本 支付安全性 

分 类 号：F274[经济管理—企业管理]