Case Study Of Funds Backflow Of SPD Bank's Cross-border E-Commerce Financial Services Solution 1.0

China's cross-border e-commerce has developed rapidly.The average annual compound growth rate of total imports and exports from 2012 to 2016 is almost zero,while the scale of cross-border e-commerce transactions in 2016 reached as high as 6.3 trillion yuan.The total transaction volume has accounted for the total import and export volume of the year.25.93% of the company's annual average compound annual growth rate was 33% over four years.The key to relying on the rapid development of cross-border e-commerce is relying on logistics,information and capital services to serve the three major sectors,and it is more prominent to form a closed-loop active effect.In reality,logistics can be solved through the cooperation of international parcels,Amazon FBA,green logistics,overseas warehouses and international express companies DHL,UPS,TNT and FedEx;information can be passed through the cross-border e-commerce platform.The transfer of its own information to solve;and China's cross-border e-commerce is the biggest problem encountered in the return of funds to the domestic area,specifically,the return of funds,time,path and cost issues cannot be well resolved.This paper takes a case study by taking the case of "SPDB's cross-border e-commerce financial services program 1.0" as an example.First,through case studies,we introduced the basic situation of SPD Bank and cross-border e-commerce in relation to the return of funds,followed by the introduction of the SPD Bank's cross-border e-commerce export B2 B model scheme and B2 C model scheme,which has an overall grasp of the case.Then,according to the two schemes,the combination of cross-border e-commerce and SPD Bank exemplifies the motives,values,risks,and deficiencies of the launch plan from the perspective of SPD Bank.This article believes that its launch program is mainly driven by the seven factors that limit the current way of capital backflow,cross-border e-commerce funds backflow,cross-border e-commerce export business boom,and SPD Bank's internal transformation.It is driven by interest and drives internal transformation.This paper divides different cross-border e-commerce platforms such as export B2B/B2 C,and believes that the cross-border e-commerce fund return plan proposed by SPD Bank is of great value in the following aspects: providing cross-border e-commerce providers with personalized financial services such as collection and settlement of foreign exchange,Active service awareness,online centralized processing,cooperation with third parties,direct connection between banks and enterprises,flat connection,diversified liquidation services,and provision of immediate futures to avoid exchange rate risks.However,it also have risks from competitors and government policies such as the banking industry and third-party payment agencies.There are some shortcomings such as the inability to exchange foreign exchange without customs data,and the failure to break foreign exchange restrictions.Finally,a summary of the case was made,which provided insights and suggestions,and gave a rough idea of the closed-loop solution for cross-border e-commerce funds backflow.