Research On Cross-Border E-Commerce Payment Risk Based On C-Side Buyers' Perspective

With the rise of cross-border e-commerce on a global scale,its risks are also revealed one by one,and payment risk is one of the main risks that restrict the development of cross-border e-commerce.At present,the research on the risk of cross-border e-commerce payment in academic circles is less and general,and the research on the subject of cross-border e-commerce payment risk measurement is almost blank.Therefore,this paper divides the risk-bearing subject,studies the cross-border e-commerce payment risk based on C-side buyers,and constructs a practical cross-border e-commerce payment risk measurement index model,which can quantitatively analyze the risk aversion of existing payment methods.The index model,which provides the basis for consumers' choice,and also provides a direction for the discussion of cross-border payment industry risk aversion programs.This paper analyzes the cross-border e-commerce payment risk from the perspective of C-side buyer perspective,first through the vertical payment process and the horizontal payment method,concluded that there are security risks,trust risks,exchange loss risks and efficiency risks for C-side buyers.And then establish a model of the influencing factors of cross-border e-commerce payment risk.Secondly,based on the model,using Delphi method and questionnaire method to obtain data,combined with AHP method to establish a cross-border e-commerce payment risk measurement index based on C-side buyer perspective,and verify the rationality of the index through Pay Pal case.Finally,the paper explores the avoidance of cross-border e-commerce payment risk,and points out that in the short to medium term,the cross-border e-commerce payment system should be based on a third-party payment platform which established from the third-party payment platform construction,improvement of policies and regulations,and optimization of cross-border clearing systems.In the long run,it may be possible to use the underlying technology of the blockchain to fundamentally avoid cross-border e-commerce payment risks and establish a new cross-border e-commerce payment system.