Commercial Banks Trade Finance Services And Innovation Research In Cross-border E-commerce Platforms

The change of foreign trade mode,the prosperity of cross-border e-commerce platform,make the trade finance business of commercial banks urgently need to be integrated into the cross-border ecommerce platform,make it become the business development focus and the direction of product service innovation of commercial banks.With the deepening of the global economic integration,more and more enterprises are involved in the international market,cross-border e-commerce platform provides the platform support for the bank trade financial services.In the future,trade finance business will be more closely integrated with global supply chain,and cross-border e-commerce platform is the main platform of global supply chain information collection.In the future,banks can be described as," who acquires the cross-border e-commerce platform who gets the supply chain,and who gets the business world." Therefore,commercial banks' trade finance services need to innovate on the basis of existing products and services,and lay out cross-border e-commerce platforms as early as possible to seize this blue ocean market.At present,the trade finance service modes provided by commercial banks in the cross-border e-commerce platform mainly include support mode,cooperation mode and self-operated mode.The service contents mainly include cross-border payment settlement,trade financing and guarantee,value preservation and risk hedging,and financial comprehensive management.Nowadays,the services provided by commercial banks for cross-border e-commerce platforms mainly include several problems such as low efficiency and high payment settlement fees,weak guarantee and difficulty of trade financing,high risk of value-added hedges and insufficient products,and lack of comprehensive financial management talents etc.In order to solve these problems,it is possible to apply new technologies to innovate commercial banks' payment settlement methods,such as applying blockchain technology to enhance transaction trust and reduce costs,and adopting BPO settlement technology to reduce risk and improve efficiency;using cross-border supply chain finance and cross-border product portfolios on content innovation of trade finance guarantees of commercial banks to solve the problem of weak financing guarantees;using innovation in the service model of commercial banks,platform-specific customization mode,domestic and overseas linkage mode of banks,utilization of big data,IoT and AI technologies and tools to design value-preservation and hedging products,while reducing product risks;multi-dimensional and multiple training methods are used together to solve the problem of lack of comprehensive trade finance management talents.This paper uses literature review,statistical analysis,comparative analysis,analysis of a large number of relevant literature,authoritative policy text and internet effective resources,to understand research status at home and abroad,relevant trade financial services of domestic and foreign commercial banks and cross-border e-commerce development process,sums up experience and practices,analyzes typical cases to carry out innovation research of trade financial services and then strengthen the deep cooperation between banks and cross-border e-commerce.