中国跨境支付产品"出海"调查：海外企业使用意愿与日俱增
每经记者：陈植 每经编辑：张益铭
随着中国与全球的经贸往来日益紧密，越来越多海外企业纷纷尝试使用中国跨境支付产品。 With increasingly close economic and trade ties between China and the world, more overseas companies are adopting Chinese cross-border payment solutions.
在近日举行的广交会上，不少外国企业一面寻找价廉物美的中国商品，一面对中国跨境支付产品有着较高的使用兴趣。一位国内跨境支付服务企业人士向记者透露，广交会期间他们每天要接待数十家外国企业的询问。
At the recent Canton Fair, many foreign companies showed strong interest in Chinese cross-border payment products while sourcing cost-effective Chinese goods. An industry insider revealed receiving dozens of inquiries daily from foreign enterprises during the event.
目前这些外国企业对中国跨境支付产品的较低费率、较高的资金到账效率、定制化服务与快速响应速度颇有好感。Global E-Payment跨境支付总经理于滋告诉记者，目前尝试使用中国跨境支付产品的海外企业主要包括三类：
Overseas companies particularly appreciate Chinese payment solutions for their competitive fees, fast settlement, customized services and quick response. Yu Zi, General Manager of Global E-Payment, identified three main user groups:
- 在华的境外采购商（Foreign buyers based in China）
- 共建"一带一路"国家的当地企业（Local enterprises in Belt & Road countries）
- 业务覆盖欧美、东南亚等新兴市场的跨国企业（Multinationals operating in emerging markets）
服务功能升级：从基础支付到全生态解决方案
Service Evolution: From Basic Payments to Ecosystem Solutions
除了传统的货币兑换、资金跨境归集等服务，海外企业现在要求更多增值功能：
Beyond traditional currency exchange and fund collection, overseas companies now demand more value-added services:
• 广告/物流款项支付（Advertising/logistics payments）
• 员工差旅管理（Employee travel management）
• 海外薪酬代发（Overseas payroll services）
科技赋能应对合规挑战
Technology Addresses Compliance Challenges
中国支付机构正通过OCR识别、大模型技术、虚拟卡服务等创新方案解决跨境业务痛点：
Chinese providers are deploying OCR, AI models and virtual cards to overcome cross-border pain points:
• 智能识别各国发票格式（Automated invoice recognition）
• 实时追踪资金流向（Real-time payment tracking）
• 优化中间行处理效率（Streamlining correspondent banking）
出海战略的双路径选择
Dual Pathways for Global Expansion
中国支付企业面临关键决策：
Chinese payment firms face strategic choices:
| 模式 | 优势 | 挑战 |
|---|---|---|
| 先拿牌照再展业 | 系统自主性强 | 审批周期长 |
| 先合作后申请 | 市场进入快 | 依赖合作伙伴 |
专家建议根据企业战略定位选择适合路径，同时指出费率优化、汇率风险管理仍是核心竞争力。
Experts recommend choosing strategies based on corporate positioning, emphasizing that fee optimization and FX risk management remain key differentiators.
