论文总字数：26614字

摘 要

近年来，金融业与科学技术的融合进入了第三阶段，即金融科技阶段，金融科技、区块链、人工智能等词进入人们的视野，同时，金融科技生态圈这一概念也逐渐发展起来，关于金融科技和金融科技生态圈的一系列理论研究和应用研究逐渐出现。与此同时，跨境电商作为新发展的行业，其快速发展的同时也存在一系列诸如物流、支付等问题，投诉比例高居不下也是其目前存在的一大痛点。那么能否将金融科技生态圈的优势运用到跨境电商中以解决其目前存在的问题呢？

本篇论文主要研究金融科技生态圈对跨境电商的支持路径，首先分别对金融科技生态圈和跨境电商进行文献整理并进行文献综述，利用SWOT-PEST分析法对跨境电商进行现状分析，找出跨境电商目前存在的问题，并分析出金融科技生态圈对跨境电商可能存在的支持路径。再根据文献整理对金融科技生态圈进行理论分析，找出描述其发展的指标，通过指各标确定其发展指数。在收集并整理双方数据后，进行时间序列分析，研究金融科技生态圈是否对跨境电商存在显著性影响，以及对跨境电商发展的哪些方面存在显著性影响。最后根据理论分析和实证分析的结果对金融科技生态圈的主体提出建议和意见，并总结全文。

关键词：金融科技，生态圈，跨境电商，支持路径

Abstract

In recent years, the integration of financial sector and science and technology has entered the third stage, the stage of fintech. Fintech, chain blocks and artificial intelligence have entered people's field of vision. At the same time, the concept of fintech ecosystem also gradually developed. A series of theoretical research and applied research about fintech and fintech ecosystem gradually appear. At the same time, along with its rapid development, cross-border e-commerce, as a newly developed industry, also has a series of problems such as logistics and payment. The high complaint rate is also a major pain point. Can the advantages of fintech ecosphere be applied to cross-border e-commerce to solve the existing problems?

This paper mainly studies the fintech ecosystem’s support path for cross-border electricity. First of all, I’ll finish literature review of the fintech and cross-border e-commerce, then make use of the SWOT- PEST analysis to present situation analysis, to find out the problems existing in cross-border e-commerce.Then, based on the literature review, the paper conducts a theoretical analysis of the fintech ecosphere, finds out the indicators describing its development, and determines its development index through the indicators. After collecting and collating the data of both sides, time series analysis is conducted to study whether the fintech ecosphere has significant influence on cross-border e-commerce and what aspects have significant influence on the development of cross-border e-commerce. Finally, based on the results of theoretical analysis and empirical analysis, suggestions and opinions are put forward for the main body of fintech ecosphere, and the full text is summarized.

KEY WORDS: Fintech, Cross-border e-commerce, Third-party payment, Support path

目 录

摘要 I

Abstract II

第一章 绪论 1

1.1 选题背景与意义 1

1.1.1 选题背景 1

1.1.2 选题意义 1

1.2 研究内容、框架与方法 1

1.2.1 研究内容与框架 2

1.2.2 研究方法 3

1.3 创新点和不足 3

1.3.1 创新点 3

1.3.2 不足 3

第二章 文献综述 4

2.1 跨境电商文献综述 4

2.1.1 跨境电商的发展 4

2.1.2 跨境电商的作用 4

2.1.3 跨境电商的影响因素分析 4

2.1.4 跨境电商目前存在的问题 5

2.1.5 文献述评 5

2.2 金融科技生态圈文献综述 6

2.2.1 金融科技与金融科技生态圈 6

2.2.2 金融科技核心技术 6

2.2.3 金融科技生态圈的影响 7

2.2.4 文献述评 8

2.3 本章小结 8

第三章 理论分析 10

3.1 金融科技生态圈的发展特点 10

3.2 金融科技生态圈的功能 10

3.3 金融科技生态圈对跨境电商的支持 11

第四章 实证分析 13

4.1 金融科技生态圈指数构建 13

4.1.1 金融科技生态圈结构主体 13

4.1.2 金融科技生态圈指数构建 14

4.2 变量选取 15

4.3 数据回归 16

4.4 回归结果分析 19

第五章 建议与总结 20

5.1 建议与意见 20

5.2 总结与展望 20

致谢 22

参考文献 23

表 1 金融科技生态圈结构关键词 14

表 2 元件矩阵 14

表 3 元件评分系数矩阵 15

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