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曾刚:跨境支付服务跨境电商发展的重点方向
Jing Ji Guan Cha Bao· 2025-04-30 03:28
作者 曾刚 近年来,跨境电商作为全球贸易的重要组成部分,展现出强劲的发展势头,极大地推动了国际贸易的数 字化转型。然而,随着国际贸易环境的变化,跨境电商的发展也面临着诸多挑战。经贸摩擦加剧、地缘 政治紧张局势升级、全球经济复苏乏力等因素,使得跨境电商企业在物流、供应链、市场准入等方面遭 遇更多不确定性。在复杂多变的经贸背景下,跨境支付机构作为跨境电商的重要支撑环节,扮演着愈发 重要的角色。它们不仅为企业提供了高效、安全的支付解决方案,还帮助企业应对资金结算、税务合 规、汇率管理等多重挑战,为跨境电商的发展注入了新的动力。 跨境支付在跨境电商中的关键作用 跨境支付是跨境电商交易链条中的核心环节之一,其主要功能包括货币兑换、资金结算、支付安全保障 等。作为连接全球消费者与商家的重要桥梁,跨境支付的效率、成本和安全性直接影响跨境电商的交易 体验和运营效率,在提升交易效率、降低交易成本、保障交易安全以及优化用户体验等方面发挥着不可 替代的作用。 一是提升交易效率。传统跨境支付方式如银行电汇,通常需要较长的处理时间,可能导致交易周期延 长,影响跨境电商的运营效率。跨境支付机构通过技术手段和全球化的支付网络,能够快速完成 ...
出海速递 | 石头科技一季度营收增长86%,海外产能正在爬坡/硬刚背后的东南亚会做何选择?
3 6 Ke· 2025-04-29 11:35
访问36氪出海网站letschuhai.com,获取更多全球商业相关资讯。 今日好文 外贸50城,谁在"扛大旗"? 从更大范围来看,谁正在扛起外贸增长大旗?外贸增长的逻辑又在发生哪些变化? 硬刚背后的东南亚会做何选择? 东南亚的骑墙生存智慧。 "比较优势已死"的年代如何和盟友正确共生? 东南亚是一匹身上毛病不少,但很有潜力的小马。 石头科技一季度营收增长86%,海外产能正在爬坡 公司通过自建工厂和国内外代工厂相结合的方式,完善供应链布局,以应对复杂多变的全球贸易局势。 热点快讯 微信支付落地韩国地铁 据新华网消息,为提升中国游客在釜山出行的便利性,4月28日,釜山交通公社与微信支付签订合作备忘录,宣布釜山地铁市内站点全线接入微信支付。中 国游客通过"Triplabo旅韩"微信小程序购买电子票后,无需换票即可刷码过闸乘车,享受与中国境内一致的便捷出行体验。这是韩国首个将城市轨道交通系 统与中国数字支付平台联动的案例。 此次合作支持购买的地铁票包含单程票、1日通票、3日通票,涵盖釜山地铁1-4号线共计114个站点,基本可以满足中 国游客在釜山市内的地铁出行需求。(智通财经) 阿里巴巴发布并开源8款通义千问 Qwe ...
金融行业热点:政策、技术与全球化交织下的机遇与挑战
Sou Hu Cai Jing· 2025-04-29 09:27
Policy Dynamics - Domestic policies focus on the synergy between capital markets and the real economy, with a significant emphasis on stabilizing the stock market, as evidenced by a 60.6% year-on-year increase in securities transaction stamp duty in Q1 2025 [2] - The central government is promoting high-quality development in technology finance, with over 230 billion yuan in long-term special treasury bonds driving approximately 2.1 trillion yuan in social capital investment [2] - International policy divergence is increasing market volatility, with the Federal Reserve and the Bank of Japan's contrasting policies affecting global capital flows [2] Trade Tensions - The escalation of US-China trade tensions has led to a 34% tariff imposed by China on the US, causing significant market disruptions, including a drop of over 1500 points in US stock index futures and an 8% decline in international oil prices [3] - The demand for gold as a safe haven surged, pushing spot gold prices to a historic high of over 3440 USD per ounce [3] Technological Innovation - Financial technology is reshaping industry boundaries, with AI and big data driving product innovation, achieving over 60% penetration in risk control and customer profiling [5] - The market for carbon financial derivatives and ESG investment products is expanding rapidly, with a 30% year-on-year growth in data market trading volume expected to exceed 160 billion yuan in 2024 [5] - The digital currency and cross-border payment systems are evolving, with the digital yuan app enhancing user experience and expanding cross-border settlement trials [5][6] Globalization and Risk Mitigation - Financial cooperation under initiatives like the Belt and Road and RCEP is enhancing cross-border payment networks, potentially reducing cross-border financing costs by over 30% [7] - Companies are diversifying supply chains and reducing reliance on US oil imports by 90%, shifting to alternative sources to mitigate geopolitical risks [7][8] - Businesses are adopting foreign exchange derivatives and supply chain diversification strategies to hedge against currency risks and regulatory compliance challenges [8] Structural Opportunities - Short-term risks include geopolitical uncertainties and trade tensions, with investors advised to focus on safe-haven assets like gold and agricultural sectors while avoiding export-dependent industries [10] - Long-term opportunities lie in policy incentives and technological advancements, particularly in sectors like food and beverage, pharmaceuticals, and green finance, with significant growth in green credit and inclusive small loans [12] - The financial sector is expected to increasingly direct resources towards technology innovation and green transformation, which are seen as core drivers of high-quality economic development [13]
事态开始失控?特朗普动摇了美国国本,美国沦为世界老二已成定局
Sou Hu Cai Jing· 2025-04-28 03:42
Group 1 - The U.S. is experiencing significant economic challenges, highlighted by a global tariff war initiated by Trump, leading to rising prices and consumer panic [1][3] - The consumer confidence index from the University of Michigan has plummeted, indicating a severe decline in public sentiment [1] - The U.S. international credibility has diminished, with the share of oil transactions in U.S. dollars dropping from 70% to 58% [1] Group 2 - The wealth gap in the U.S. has widened dramatically, with the top 10% of the population holding 52% of the wealth, while the bottom 50% saw a 7.3% decrease in real income [3] - Large-scale protests have erupted, with participation peaking at 5 million, reflecting widespread public discontent [3] - Political trust is eroding, with 57% of the population perceiving government policies as inconsistent [3] Group 3 - China is managing to withstand the impacts of the tariff war due to its robust manufacturing base, with all 41 industrial categories represented [3] - The semiconductor industry in China is accelerating its development, with 592 new chip design companies established in 2024 [3] - The share of cross-border payments in Renminbi has surpassed 12%, and the subscription rate for panda bonds reached 137% [3] Group 4 - The U.S. is facing a liquidity crisis in its treasury market, with rising interest payments consuming a large portion of fiscal revenue [3] - The Federal Reserve's continued interest rate hikes are causing international capital to flee from dollar assets [3] - The global reserve share of the U.S. dollar has fallen below 49%, indicating a shift in the international financial landscape [3]
4月28日电,比特币向下跌破93000美元,过去24小时内下跌1.5%。
news flash· 2025-04-28 01:42
智通财经4月28日电,比特币向下跌破93000美元,过去24小时内下跌1.5%。 ...
深度解构跨境支付
2025-04-27 15:11
近年来,跨境支付行业在全球范围内迎来了显著的发展机遇。特别是自 2020 年疫情爆发以来,随着互联网的普及和消费理念的变化,跨境支付市场呈现出 蓬勃发展的趋势。全球跨境支付市场规模在 2024 年已超过 2.4 万亿美元,并 且每年的增幅保持在 10%到 15%之间。中国的跨境支付市场规模在 2024 年 也已超过 7.5 万亿元人民币,并预计在 2025 年继续增长。这一增长主要得益 于国家鼓励创收外汇政策以及 B2B 外贸和跨境电商的发展。 当前全球和中国的跨境支付市场格局如何? 从全球角度来看,欧美市场仍然占据主要地位,但新兴市场如东南亚、拉美、 中东和非洲等地区也开始崛起。例如巴西、墨西哥等拉美国家,以及中东和非 洲地区,这些区域因互联网普及和消费理念变化而呈现出爆发式增长。在中国, • SWIFT 系统仍占全球交易系统约 80%份额,新兴体系如 CIPS 和金砖国家 支付系统旨在弱化对 SWIFT 的管控,但短期内难以抗衡,未来十年内 SWIFT 仍将保持主导地位。 • 中国政府提高出口退税率,设立专项贷款支持外贸企业,推动保税仓与海 外仓联动,推广人民币跨境结算系统(CIPS),鼓励市场多元化发展 ...