跨境电子商务双语教程 第7章跨境电商支付与结算

跨境电子商务双语教程BilingualCourseofCross-BorderE-CommerceTeacher教师：XXX7.跨境电商支付与结算7.Cross-BorderE-CommercePaymentsandSettlements跨境电子商务双语教程BilingualCourseofCross-BorderE-CommerceTeacher教师：XXX目录CONTENTSPaymentMethodsofCross-BorderE-Commerce跨境电商支付方式7.1Cross-BorderE-CommerceSettlements跨境电商结算7.21.跨境电商绪论1.AnIntroductiontoCross-BorderE-CommerceXiaoweibuysavarietyofgoodsfromChina，thensellsproductsthroughcross-borderE-commerceplatforms.Shealsobuysimportedcosmeticsandclothesfromtheonlineplatforms.TheessenceofE-commerceistheintegrationofinformationflow,logisticsflowandcapitalflowHowdoesshemakepaymentandsettlementforcross-borderE-Commerce?Lead-inCaseAnIntroductiontoCross-BorderE-Commerce1.XiaoWei’sProblem:Objectivesofknowledge知识目标AnIntroductiontoCross-BorderE-Commerce1.Learningobjectives学习目标Tomasterpaymentmethodsofcross-borderE-commercesuchasPingPong,LianLian,Alipay,WorldFirst,PayPal,andbankcard.Tomastertherevenueandpaymentchannelsofmainstreamcross-borderE-commerceplatformssuchasAliExpressandAmazon.TobefamiliarwithChina’slawsandregulationsonsettlementofforeignexchangerelatedtocross-borderE-commerceincomeandpayment.Tomasterthefinancingmethodsrelatedtodifferentcapitalrequirementsandbusinessscaleofcross-borderE-commerceenterprises.AnIntroductiontoCross-BorderE-Commerce1.Tobeabletochooseappropriatepaymentorcollectionchannelofcross-borderE-commerceplatformaccordingtotheworkorconsumptionneeds.Tobeabletousesimpleandfastremittance,creditcardandotherpaymenttoolsfromreality.Tobeabletohandleforeignexchangesettlementandpurchasecorrectlyandtimelyaccordingtotherequirementsofnationallawsandregulations.Objectivesofskills技能目标Learningobjectives学习目标AnIntroductiontoCross-BorderE-Commerce1.Tohaveadown-to-earth,careful,rigorousanddiligentworkstyle.Tohavetheconsciousnessofabidingbytherelevantlawsandregulationsofthestateonforeignexchangemanagement.Tohavetheprofessionalethicsofrepayingtheloanontimeandbeinghonestandtrustworthy.Tobecuriousandinquisitiveaboutnewthings.Objectivesofqualities素质目标Learningobjectives学习目标

7.1PaymentMethodsofCross-BorderE-Commerce跨境电商支付方式OverviewofCross-BorderE-CommercePayment7.1.1PaymentofCross-BorderE-CommercePlatforms7.1.2Cross-BorderE-CommercePaymentTools7.1.3Cross-borderpaymentreferstotheprocessofcrossregionalornationalpaymentconductedbythepartiesininternationaleconomicactivities.Cross-borderE-commercepaymentanddomesticE-commercepaymentaredifferent.7.1.1OverviewofCross-BorderE-CommercePaymentPaymentMethodsofCross-BorderE-Commerce7.1InformationflowLogisticsflowThecapitalflow7.1.1OverviewofCross-BorderE-CommercePaymentPaymentMethodsofCross-BorderE-Commerce7.1Cross-borderE-commercepaymentcompaniesInternationalonlinepaymentcompaniesPingPongLianLianAlipayPayPalPayoneerWorldFirstTraditionalfinancialenterprisescommercialbanksremittancecompaniesinternationalcardcompaniesCompaniesofpaymentonmobilefacilitiesHuaweiAppleSamsungSearchenginepaymentcompaniesBaiduGoogle7.1.2PaymentofCross-BorderE-CommercePlatformsPaymentMethodsofCross-BorderE-Commerce7.1(1)AliPay——takingAliExpressexportasanexampleTrytocreateanaccountandcollectmoneyfromyourcustomerAliExpressAlipayPaymentMethodsofCross-BorderE-Commerce7.1(2）Avarietyofpaymentmethods——bytakingtheexportcollectionofAmazonplatformasanexampleInternationalonlinepaymentcompanies,suchasPingPong,LianLian,WorldFirst,Payonerandothers.AmazonglobalcollectionserviceisacollectionservicelaunchedbyAmazonplatform.Bankaccountscollection,accountsintheUnitedStatesorChineseHongKongaregenerallyaccepted.7.1.2PaymentofCross-BorderE-CommercePlatformsPaymentMethodsofCross-BorderE-Commerce7.1ElementPingpongLianlianWorldfirstPayoneerServicesiteTradingforeignexchangeConvertingintoCNYServicechargeTransfertimeAnnualfeeOtherservicesComparisonofFourThird-PartyPaymentCompaniesintheWorldforAmazon7.1.2PaymentofCross-BorderE-CommercePlatformsIndividualwork:个人作业PaymentMethodsofCross-BorderE-Commerce7.1Avarietyofpaymentmethods——bytakingtheexportcollectionofAmazonplatformasanexampleIndividualwork:个人作业Youmaychoose3-5companiesfromthefollowingonlinepaymentcompanies,oryoucanchooseothersimilarcompaniestoanalyzetheirmaininternationalmarket.Thenyoushouldcompareeachcompany’saccountopeningconvenience,transferandwithdrawalspeed,costperformance,moneysecurity,value-addedserviceeffectivenessandotherindicators.Paypal、AlertPay、Stripe、ukash、2checkout、Square、ikobo、Paytm、GoCardlessPleaseinvestigatecross-borderE-commerceindustryabout6differentjobsandplanyourcareer7.1.2PaymentofCross-BorderE-CommercePlatforms7.1.3Cross-BorderE-CommercePaymentToolsPaymentMethodsofCross-BorderE-Commerce7.1BankTelegraphicTransfer(银行电汇)Bankcross-bordertelegraphictransferisoneofthetraditionalcross-bordersettlementmethodsofimportandexporttrade.WesternUnionremittancecompanyistheworld’sleadingexpressremittancecompany.Moneygramremittancecompany（速汇金公司）SimilartoWesternUnionremittancecompany,Moneygramremittancecompanyhasmorethan300,000outletsin197countriesorregionsaroundtheworld.Internationalcreditcard（国际信用卡）Cardholderscanconsumebyacreditcardwithoutpriordeposit,andenjoyinterest-freerepaymentperiod,whichcanbeusedforsmallpaymentsbelow$1,000.WesternUnionremittancecompany（西联汇款公司）W

7.2Cross-BorderE-CommerceSettlements跨境电商结算OverviewofCross-BorderE-CommerceSettlements7.2.1Cross-BorderE-CommerceExportSettlement7.2.2ForeignExchangePurchaseforImportofCross-BorderE-Commerce7.2.3ImportandExportFinancingofCross-BorderE-Commerce7.2.47.2.1OverviewofCross-BorderE-CommercePaymentCross-BorderE-CommerceSettlements7.2TheRegulationsofthePeople’sRepublicofChinaonForeignExchangeAdministrationisthebasicnorminthecomprehensivefieldofforeignexchangesupervisioninChina,andisalsothemainbasisofforeignexchangesupervision.ManagementofChina’sforeignexchangerevenueandexpenditureTheannualtotalamountmanagementfortheforeignexchangesettlementandpurchaseofindividualsisequivalenttoUSD50,000perpersonperyear.EnterprisesengagedinimportandexportbusinessmustlogintothedigitalforeignexchangemanagementplatformoftheStateAdministrationofForeign,andhandlethedigitaldeclarationofthebalanceofpayments.Cross-BorderE-CommerceSettlements7.2Case1:

InApril2019,across-borderE-commerceCo.,Ltd.inHangzhouwasorderedbytheZhejiangbranchoftheStateAdministrationofforeignexchangetotransferbackforeignexchangeandimposedafineof810000Yuan.Question1:

Whatisforeignexchangeevasion?Whatisthepunishmentofthestateforforeignexchangeevasion?7.2.2Cross-BorderE-CommerceExportSettlementCasestudy案例分析7.2.2Cross-BorderE-CommerceExportSettlementCross-BorderE-CommerceSettlements7.2Casestudy案例分析Case2:

InApril2020,anenterpriseinGansuProvincemistakenlyenteredthe"pit"ofanundergroundbank.Morethan5millionYuanoflegalincomebecameillegal.Itwassuspectedofillegalsettlementofforeignexchangethroughanundergroundbankandwasfined5.21millionYuan!Mayfacethepunishmentofdetention,thegainisnotworththeloss!Question2:

Whydosellerschooseundergroundbankstosettleforeignexchange?Whatlessonsshouldwelearn?7.2.2Cross-BorderE-CommerceExportSettlementCross-BorderE-CommerceSettlements7.2Casestudy案例分析Case3:

InAugust2020,thecross-borderE-commercebusinesscirclewasshocked.AnE-commerceCo.,Ltd.,across-borderE-commercesellerofHangzhoufashioncategory,suspectedofusingHongKongcompanytolaundermoney!TheMinistryofpublicsecurityhaspersonallylistedandsupervisedthecross-borderE-commerceexportvaluedat4billionYuan.Question3:Whatmoneylaunderingoperationsdoestheillegalcompanyhave?Whatarethepossibleillegalconsequences?Howtooperatethelegalandcompliantcross-borderE-commercee