後疫情時代貿易融資數字化轉型的制度保障及中國因應

Institutional Guarantee of Digital Transformation of Trade Financing in the Post-Epidemic Era and China's Response

Covid-19大流行極大地加速了一系列行業的數字化轉型，也給貿易融資領域帶來巨大挑戰，暴露了供應鏈、中小企業融資和基於紙面貿易的脆弱性，凸顯了加速貿易融資數字化的必要性。為了應對疫情危機，眾多國際組織和金融機構、技術公司正加速推動貿易融資中數字化解决方案的實施。貿易融資的數字化仍然存在大量的立法空白，出現了電子貿易融資單證法律承認的不明確和數字貿易融資系統與平台間缺乏互操作性、缺乏統一數字化標準等諸多問題和挑戰，成為阻礙貿易融資數字化轉型的巨大障礙。中國需要積極參與國際規則的制定，在政府和行業層面進行全球性的法律創新和合作，為貿易融資的數字化變革提供法律和制度保障。

Covid-19 pandemic has greatly accelerated the digital transformation of a series of industries, brought great challenges to the field of trade financing, exposed the vulnerability of supply chain, SME financing and paper-based trade, and highlighted the necessity of accelerating the digitization of trade financing. In response to the epidemic crisis, many international organizations, financial institutions and technology companies are accelerating the implementation of digital solutions in trade financing. There are still a lot of legislative gaps in the digitization of trade financing. There are many legal problems, such as the unclear legal recognition of electronic trade financing documents, bills and signatures, the lack of interoperability between digital trade financing platforms and the lack of unified digital standards, which have become a huge obstacle to the digital transformation of trade financing. China needs to actively participate in the formulation of international rules, carry out global legal innovation and cooperation at the government and industry levels, and provide legal and institutional guarantee for the digital transformation of trade financing.