Research On Credit Risk Formation Mechanism Of Third-party Cross-bor Der Payment

Cross-border payment is the central link of cross-border e-commerce.As a mainstream cross-border payment method,third-party cross-border payment has generated many risks in the process of vigorous development,among which credit risk is a prominent issue.At present,academic circles pay little attention to the payment of credit risk,especially lack of systematic analysis of the formation mechanism of credit risk.Based on the contract perspective,on the basis of exploring the basic theoretical issues such as the nature of credit and factors affecting credit behavior,combined with a practical case analysis of third-party cross-border payment of credit risk,this paper analyzes the causes,conditions and paths of credit risk in multiple dimensions,revealing the first The two basic logical chains of credit risk arising from the tripartite cross-border payment-active default and passive default and the six basic mechanisms for the formation of credit risk.Finally,according to the research conclusion of the credit risk formation mechanism,the general logic and methods of preventing,circumventing and controlling credit risk are proposed.