本文關鍵詞： 電子商務 電子支付 跨境電商人民幣結算 問題與挑戰(zhàn) 應對策略　出處：《對外經濟貿易大學》2016年碩士論文　論文類型：學位論文

【摘要】：隨著信息科技革命與產業(yè)變革交匯孕育而出的電子商務經濟,逐步成為衡量經濟競爭主導權的重要標志之一。作為我國的綜合性、戰(zhàn)略性和基礎性產業(yè)以及經濟社會發(fā)展的重要“引擎”,電子商務的持續(xù)、快速、健康發(fā)展對提升產業(yè)發(fā)展水平、優(yōu)化產業(yè)結構、合理配置市場資源、轉變經濟增長方式,具有非常重要的作用。在經濟全球化趨勢和電子商務在全球范圍內蓬勃發(fā)展的大背景下,我國外貿型企業(yè)要想跟上新時期國際貿易的步伐,就必須大力發(fā)展跨境電子商務,搶先實現貿易轉型升級,搶占先機。自2008年國際金融危機以來,傳統(tǒng)外貿發(fā)展速度開始放緩,而作為外貿發(fā)展新生力量的跨境電子商務卻呈現出快速增長的態(tài)勢和巨大的發(fā)展?jié)摿Α３私灰灼脚_、物流配送之外,支付環(huán)節(jié)的創(chuàng)新還與人民幣國際化相互呼應,跨境電商人民幣結算像雨后春筍般迅速涌現,不僅為跨境電商的快速增長提供了嶄新動力,還為人民幣國際化另辟蹊徑。本文通過分析目前學者專家對跨境電子商務總體發(fā)展概況的評述,梳理、總結了相關文獻,擬結合具體跨境電商的實際情況,開展對于跨境電商人民幣結算問題的研究。首先,介紹跨境電子商務人民幣結算興起的背景和研究意義,其次,要說明電子商務、跨境電子商務和數字貿易的不同定義及電子商務國際規(guī)則現狀;再次,闡述跨境電子商務人民幣結算的現狀,包括支付平臺和結算模式現狀,并對現有跨境貿易人民幣結算政策有關規(guī)定進行闡明,分析其對跨境電商人民幣結算的影響,同時借鑒美國第三方支付平臺的管理經驗,指出制定專門的中國跨境電商人民幣結算政策的必要性;特別地,在目前國內對跨境貿易人民幣結算現狀和問題的研究基礎上,進一步地指出跨境電子商務人民幣結算中存在的問題,需要調整和完善的地方,以及針對某些可能出現的風險,該如何防范和規(guī)避;最后,提出解決問題的應對策略,包括完善跨境電子商務發(fā)展的政策環(huán)境、建立健全跨境電子商務法律法規(guī)和標準體系、扶持我國跨境支付平臺的建設以及完善電子商務金融服務體系等。通過這些對策的實施,提升跨境電子商務人民幣結算水平,不僅可以避免結匯的繁瑣手續(xù),而且符合跨境貿易便利化目標的要求,更有利于積累人民幣跨境結算經驗,提高人民幣國際化發(fā)展水平。
[Abstract]:With the intersection of the information technology revolution and the industrial transformation, the e-commerce economy has gradually become one of the important symbols to measure the dominant right of economic competition. Strategic and basic industries and important "engines" of economic and social development. The sustained, rapid, and healthy development of electronic commerce will improve the level of industrial development, optimize the industrial structure, rationally allocate market resources, and transform the mode of economic growth. Under the background of the trend of economic globalization and the vigorous development of electronic commerce in the global scope, if our foreign trade enterprises want to keep up with the pace of international trade in the new era, we must vigorously develop cross-border electronic commerce. The pace of traditional foreign trade development has slowed since the international financial crisis in 2008. However, as a new force in the development of foreign trade, cross-border e-commerce has shown a rapid growth trend and huge development potential. In addition to trading platforms, logistics and distribution, the innovation in payment links also echoes the internationalization of the RMB. RMB settlement for cross-border e-commerce has sprung up rapidly, which not only provides a new impetus for the rapid growth of cross-border e-commerce, By analyzing the current comments of scholars and experts on the overall development of cross-border e-commerce, this paper summarizes the relevant literature, and proposes to combine the actual situation of cross-border e-commerce. First, introduce the background and significance of RMB settlement in cross-border e-commerce, and secondly, explain e-commerce. Different definitions of cross-border electronic commerce and digital trade and current status of international rules of electronic commerce. Thirdly, the status quo of RMB settlement of cross-border electronic commerce, including payment platform and settlement mode, is expounded. It also clarifies the relevant provisions of the existing RMB settlement policy for cross-border trade, analyzes its impact on the RMB settlement of cross-border e-commerce businesses, and draws lessons from the management experience of the third party payment platform in the United States. It points out that it is necessary to formulate a special RMB settlement policy for cross-border e-commerce in China, especially on the basis of the current domestic research on the current situation and problems of RMB settlement of cross-border trade. Further points out the existing problems in RMB settlement of cross-border e-commerce, needs to be adjusted and improved, and how to prevent and avoid some possible risks; finally, put forward countermeasures to solve the problem. Including perfecting the policy environment for the development of cross-border electronic commerce, establishing and perfecting the system of laws, regulations and standards of cross-border electronic commerce, supporting the construction of cross-border payment platforms in China and perfecting the financial service system of electronic commerce, etc. Through the implementation of these countermeasures, Raising the RMB settlement level of cross-border electronic commerce can not only avoid the complicated formalities of settlement of foreign exchange, but also meet the requirements of cross-border trade facilitation goal. It is also beneficial to accumulate RMB cross-border settlement experience and improve the level of RMB internationalization development.
【學位授予單位】：對外經濟貿易大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F724.6;F832.2

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