应对中企“出海”跨境金融难点 专家称港元稳定币可先行先试

Core Insights - The article discusses the challenges and strategies for Chinese companies expanding overseas, particularly in cross-border finance and payment risks [1][2]. Group 1: Cross-Border Financial Challenges - Chinese companies face risks related to currency fluctuations, particularly when financing in USD and operating in local currencies, which can affect funding costs due to USD inflation [2]. - The complexity of cross-border payments is heightened by the need for intermediary banks, leading to longer transaction cycles and increased costs [2][3]. - Regulatory compliance is a significant challenge, as companies must navigate different cultural and economic environments in various countries [2]. Group 2: Risk Mitigation Strategies - Companies with numerous overseas accounts should consider centralized management of these accounts to streamline processes and mitigate financial risks [3]. - The adoption of stablecoins is gaining traction as they offer advantages such as near real-time settlement and reduced costs, making them an attractive option for traditional financial institutions [3][4]. Group 3: The Role of Stablecoins - Stablecoins, based on blockchain technology, can enhance the efficiency and cost-effectiveness of cross-border payments, with China's cross-border RMB payment volume significantly exceeding that of mainstream stablecoins [4]. - The future of stablecoins will depend on the establishment of legal frameworks across countries, which will facilitate broader adoption in various transaction scenarios [4]. - Building a robust offshore RMB asset pool is crucial for the stability of stablecoins, and the Hong Kong dollar stablecoin is seen as a promising pilot project [4].