外贸收款风险防范指南：6大高危交易类型与安全收款解决方案
外贸收款风险防范指南：6大高危交易类型与安全收款解决方案
Foreign Trade Payment Risk Prevention: 6 High-Risk Transaction Types and Secure Payment Solutions
外贸收款暗藏哪些风险？ 资金冻结、账户调查、贸易款项被强制召回... 这些外贸人最担心的支付风险该如何规避？蚂蚁集团旗下万里汇（WorldFirst）风控专家为您深度解析。
What risks lurk in foreign trade payments? Frozen funds, account investigations, trade payments forcibly recalled... How to avoid these payment risks that exporters fear most? Risk control experts from WorldFirst (an Ant Group company) provide in-depth analysis.
一、严禁制裁交易 | Prohibited: Sanctioned Transactions
高危区域：朝鲜、伊朗、古巴、叙利亚、克里米亚等受国际制裁地区。即使通过第三方代付或途经这些地区运输货物，都将导致收款失败。
High-risk areas: North Korea, Iran, Cuba, Syria, Crimea and other internationally sanctioned regions. Even payments through third parties or goods transiting these areas will cause payment failures.
二、警惕代收款陷阱 | Beware: Third-Party Collection
真实案例：某外贸人帮朋友代收"通道费"，结果因无法还原贸易背景导致账户冻结，甚至面临金融黑名单风险。
Real case: An exporter helped a friend collect "channel fees", resulting in account freezing due to inability to verify trade background, even facing financial blacklist risks.
三、验证代付人身份 | Verify: Payer Identity
建议要求买家使用本公司账户付款。如遇代付，需严格核查代付方与买家的关联性，拒绝通过地下钱庄等非正规渠道付款。
Recommend requiring buyers to pay via company accounts. For third-party payments, strictly verify the relationship between payer and buyer, rejecting payments through underground banks.
四、账户安全原则 | Principle: Account Security
外贸收款账户如同身份证，外借账户将承担连带法律责任，可能卷入洗钱等刑事风险。
Payment accounts are like ID cards. Sharing accounts entails joint legal liability and potential involvement in money laundering crimes.
五、拒绝违规操作 | Reject: Irregular Operations
刷单、走账等行为不仅违反平台规则，严重者将构成违法犯罪，导致账户永久封停。
Fake transactions and account transfers violate platform rules, and may constitute illegal activities leading to permanent account suspension.
六、外汇交易资质 | Requirement: FX Licensing
非持牌机构从事外汇买卖属违法行为。建议通过万里汇等持牌机构进行合规外汇结算。
Unauthorized foreign exchange transactions are illegal. Recommend using licensed institutions like WorldFirst for compliant FX settlement.
安全收款解决方案 | Secure Payment Solutions
1. 选择持牌服务商：万里汇拥有19年跨境支付经验，持有英国FCA等全球多地支付牌照
1. Choose licensed providers: WorldFirst has 19 years cross-border payment experience with FCA licenses
2. 完善买家尽调：核实公司注册信息、经营状况、对接人职务等关键信息
2. Enhanced due diligence: Verify company registration, operations, and contact person positions
如遇账户冻结，请及时准备贸易真实性证明材料：合同、物流单据、沟通记录等。
If accounts are frozen, prepare trade authenticity proofs: contracts, shipping documents, communication records.
万里汇B2B收款服务采用智能风控引擎，实时监测资金流动，为外贸企业提供安全高效的全球收款解决方案。
WorldFirst B2B payments uses smart risk control engines for real-time fund monitoring, providing secure global collection solutions.
