品牌出海升温。 粤港澳大湾区的外贸企业正在全球贸易变局中展现出强大的市场适应能力。从风靡中东市场的双陆棋，到欧美热销的珍宝盒，再到畅销全球的电池产 品，"中国制造"不断拓展着国际市场空间。 伴随着跨境电商的快速发展，企业对国际支付结算服务的需求与日俱增。面对复杂多变的市场环境，跨境支付面临哪些具体挑战？数字化技术能提供怎样的 解决方案？第一财经记者近日深入调研大湾区外贸企业和支付服务机构，试图寻找这些问题的答案。 （大湾区外贸企业的出海展品。摄影 /王方然） 跨境支付需求更多元 "关税政策变化使得跨境支付合规成本增加。"一名业内人士指出，跨境支付机构需加强对交易背景、资金来源等的审核，以确保交易符合关税政策及相关法 律法规。 支付是贸易的基础设施。近年，在我国对外贸易高速发展及复杂的贸易背景下，部分进出口企业在资金收付兑的过程中面临着汇率损失、到账慢、提现慢等 问题。多位受访人士对记者表示，跨境支付面临着合规、成本与效率的"三角平衡"挑战。 在跨境贸易的赛道上，支付就像接力赛的最后一棒，支付效率决定着整个交易流程的成败。跨境物流和商旅等时效敏感领域，支付效率直接影响企业的运营 成本和客户体验。 费率问题是跨境 ...

Core Viewpoint - The article discusses the significant impact of U.S. tariff policies on global trade, prompting Chinese financial institutions to innovate in cross-border payment and trade finance to support businesses in navigating these challenges and exploring new opportunities for international expansion [1][2]. Group 1: Cross-Border Payment Innovations - In response to the U.S.-China trade conflict, companies are seeking new markets abroad, leading to a surge in demand for innovative cross-border payment solutions [3]. - Alibaba's 1688 platform has introduced measures to assist export-restricted businesses, such as providing advance payment services for orders to help alleviate cash flow issues [3]. - Financial institutions, including JPMorgan, are focusing on developing comprehensive solutions for businesses, such as automated cross-border payments and multi-currency account services, to enhance operational efficiency and reduce costs [3][4]. Group 2: Financing Support for Domestic Market Transition - Many companies are shifting their focus to the domestic market due to external pressures from U.S. tariffs, with banks collaborating with e-commerce platforms to facilitate this transition [5]. - Financial institutions are offering specialized credit loans to support industries most affected by tariffs, such as textiles and light manufacturing [5][6]. - The Chinese government has encouraged financial institutions to provide support for the transition of export products to domestic sales, as outlined in the 2020 policy document [6]. Group 3: Enhancing Payment Efficiency - Despite increasing uncertainties in international trade, technological advancements are becoming crucial for overcoming challenges [6]. - Ant Financial's WorldFirst has launched a "Guard Plan" to provide a comprehensive suite of cross-border trade financial services, enhancing the operational capabilities of small and medium-sized enterprises [7]. - The "Guard Plan" aims to improve fund circulation efficiency by 30%, thereby increasing competitiveness and reducing costs for domestic cross-border trade enterprises [7].