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| Title: | 跨國整合支付系統現況與發展
Current Status and Development of Cross-Border Integrated Payment Systems |
| Authors: | 吳宜旻
Wu, Yi-Min |
| Contributors: | 林靖庭
吳宜旻
Wu, Yi-Min |
| Keywords: | 跨境匯款
立陶宛金融科技
SWIFT
RippleNet
CBDC
CENTROlink
Cross-border remittances
Lithuania Fintech |
| Date: | 2023 |
| Issue Date: | 2023-07-06 16:45:51 (UTC+8) |
| Abstract: | 跨境匯款一直存在著高昂成本的問題。目前SWIFT在金融機構間普遍被使用，由於參與者需要每年進行KYC，導致整體交易成本高。為了解決此問題，市面上出現其他跨境匯款的方式希望能夠降低成本，如虛擬貨幣及RippleNet，雖然這兩者改善成本高的問題，但仍有衍生出的缺點。前者在法律和監管方面仍未全面發展，其價值容易受到重大波動的影響，使其成為高風險投資；後者提供實時交易和結算服務，可以事先評估費用和AML檢查，但由於合作效率低，許多銀行不願意加入，如果成員數量較少，系統仍需要中介進行結算，與SWIFT相較之下，在成本和時間節省方面沒有顯著的優勢。
因此，新興支付方式不斷湧現，央行數位貨幣是其中之一，透過設計新的數位法定貨幣以降低跨境匯款成本，目前有11個國家已發行CBDC，主要在新興和發展中國家。另一新興支付為立陶宛央行開發的CENTROlink系統，整合並連接歐洲區域的多個系統，讓參與者能夠進入單一歐元支付區，除了傳統金融機構，金融科技業者也能加入。國際間存在許多降低跨境匯款成本的應對方案，從數位貨幣、支付系統甚至是監管技術都值得臺灣借鏡學習。
Cross-border remittances suffer from high costs, necessitating the exploration of alternative solutions. SWIFT, the prevalent system used by financial institutions, incurs significant expenses due to annual KYC requirements. Virtual currencies and RippleNet offer potential cost reduction but have associated drawbacks. Virtual currencies lack comprehensive legal and regulatory frameworks, making them high-risk investments due to their volatile value. RippleNet provides real-time transaction and settlement services, but its low cooperation efficiency discourages bank participation and necessitates intermediaries for settlement, offering limited advantages over SWIFT in terms of cost and time savings.
To tackle these challenges, emerging payment methods have emerged, including central bank digital currencies (CBDCs). CBDCs aim to lower cross-border remittance costs by introducing new digital fiat currencies. Currently, 11 countries have issued CBDCs, primarily in emerging and developing nations. Additionally, the Bank of Lithuania has developed the CENTROlink system, integrating and connecting multiple systems within the European region to enable access to a unified euro payment area, accommodating not only traditional financial institutions but also fintech companies.
Numerous international initiatives are addressing the issue of high cross-border remittance costs. These encompass the implementation of CBDCs, the development of payment systems, and the utilization of regulatory technologies. Such solutions provide valuable insights and lessons for Taiwan and other countries seeking to mitigate the challenges associated with costly cross-border remittances. |
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財政部貿易統計資料，取自https://web02.mof.gov.tw/njswww/WebMain.aspx?sys=100&funid=defjsptgl
國家發展委員會，取自https://www.ndc.gov.tw/Content_List.aspx?n=44CB0EDF55E07A07 |
| Description: | 碩士
國立政治大學
金融學系
110352006 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110352006 |
| Data Type: | thesis |
| Appears in Collections: | [金融學系] 學位論文
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