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    政大機構典藏 > 商學院 > 資訊管理學系 > 學位論文 >  Item 140.119/158576
    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/158576


    Title: 穩定幣於跨境貿易之應用與個案探討
    Application and Case Study of Stablecoin in Cross-Border Trade
    Authors: 鄭敬慈
    Cheng, Ching-Tzu
    Contributors: 陳恭
    Chen, Kung
    鄭敬慈
    Cheng, Ching-Tzu
    Keywords: 跨境貿易
    跨境支付
    區塊鏈
    穩定幣
    Cross-border Trade
    Cross-border Payment
    Blockchain
    Stablecoin
    Date: 2025
    Issue Date: 2025-08-04 14:27:10 (UTC+8)
    Abstract: 近年來,跨境貿易規模持續擴張,企業對資金流效率與收款保障的需求日益提升。然而,現行跨境支付體系普遍存在高成本、低效率與資訊不透明等問題。穩定幣作為結合區塊鏈技術之新型支付工具,具備即時交易、降低中介成本與增強透明度等潛力,逐漸受到關注。
    本研究以臺灣出口商與巴西進口商之貿易實務為個案,探討穩定幣於實際跨境支付流程中的應用情形,並分析其面臨的制度挑戰與應用限制。研究結果指出,穩定幣可有效簡化支付流程、縮短資金週轉時間,並透過智能合約設計 Escrow 機制以強化履約保障。惟其應用仍涉及會計認列、報關資料與出金流程等制度落差,影響其推動。
    本研究最後提出企業導入建議與制度整合條件,期能為穩定幣於跨境貿易之應用提供參考方向。
    The expansion of cross-border trade has increased the demand for efficient and secure payment mechanisms. Traditional cross-border payment systems, however, face significant challenges such as high costs, delays, and lack of transparency. Stablecoins, a blockchain-based payment innovation, offer advantages including instant settlement, reduced intermediation costs, and improved transparency.
    This study explores stablecoin adoption in cross-border payments through a case study involving Taiwanese exporters and Brazilian importers. By analyzing practical applications and institutional barriers, the research finds stablecoins effectively simplify payment procedures, shorten settlement periods, and enhance contract security via blockchain-based escrow mechanisms. Nevertheless, challenges such as unclear accounting standards, insufficient customs documentation, and fiat conversion complexities remain, constraining broader implementation.
    This study concludes by proposing practical recommendations and necessary institutional conditions, offering valuable insights for enterprises and policy-makers regarding stablecoin applications in international trade.
    Reference: 一、 中文部分
    1. 中央銀行(2016)。我國電子支付機制之發展-兼論央行對數位通貨之看法(央行理監事會後記者會參考資料,2016年3月24日)。取自 https://bit.ly/3tr8GCZ
    2. 李奕辰(2020)。廠商異質性與報價幣別選擇: 臺灣的實證分析. 國立臺灣大學經濟學系學位論文
    二、 英文部分
    1. Bank for International Settlements [BIS]. (2021). What does digital money mean for emerging market and developing economies? (BIS Working Papers No. 973). Retrieved from https://www.bis.org/publ/work973.pdf
    2. Bank for International Settlements [BIS]. (2022). Improving access to payment systems for cross-border payments: Best practices for self-assessments. Committee on Payments and Market Infrastructures. Retrieved from https://www.bis.org/cpmi/publ/d203.pdf
    3. Bank for International Settlements [BIS], Committee on Payments and Market Infrastructures. (2024, June). Steady as we go: Results of the 2023 CPMI cross-border payments monitoring survey (CPMI Brief No 5). Retrieved from https://www.bis.org/publ/cpmid199.pdf
    4. Baur, D. G., & Dimpfl, T. (2021). The volatility of Bitcoin and its role as a medium of exchange and a store of value. Empirical economics, 61(5), 2663-2683.
    5. Bitso Business. (2024). From barriers to bridges: How blockchain and stablecoins can reshape cross-border payments in Latin America.
    6. Catalini, C. (2025, April 29). The stablecoin wars. Forbes. Retrieved from https://www.forbes.com/sites/christiancatalini/2025/04/29/the-stablecoin-wars/
    7. Cerutti, E., Firat, M., & Hengge, M. (2025). Global Cross-Border Payments: A $1 Quadrillion Evolving Market? (No. 2025/120). International Monetary Fund.
    8. Chainalysis. (2024). The 2024 geography of crypto report. Chainalysis.
    9. Cheema, M. A., Faff, R., & Szulczyk, K. R. (2022). The 2008 global financial crisis and COVID-19 pandemic: How safe are the safe haven assets? International Review of Financial Analysis, 83, 102316
    10. Chohan, U. W. (2022). Cryptocurrencies: A brief thematic review. Available at SSRN 3024330.
    11. Dörry, S., Robinson, G., & Derudder, B. (2018). There is no alternative: SWIFT as infrastructure intermediary in global financial markets.
    12. Financial Stability Board [FSB]. (2020). Enhancing cross-border payments: Stage 1 report to the G20: Technical background report.
    13. Financial Stability Board [FSB]. (2023). High-level recommendations for the regulation, supervision and oversight of global stablecoin arrangements. Final report.
    14. Financial Stability Board. (2024a). Annual progress report on meeting the targets for cross-border payments. Retrieved from https://www.fsb.org/uploads/P211024-3.pdf
    15. Financial Stability Board [FSB]. (2024b). G20 roadmap for enhancing cross-border payments consolidated progress report for 2024.
    16. FXC Intelligence. (2024). G20 crossborder roadmap: 2024 retail payments takeaways. Retrieved from https://www.fxcintel.com/research/reports/ct-retail-payments-g20-cross-border-roadmap-targets-2024
    17. Li, D., Han, D., Weng, T. H., Zheng, Z., Li, H., & Li, K. C. (2024). On stablecoin: Ecosystem, architecture, mechanism and applicability as payment method.
    18. Robinson, G., Dörry, S., & Derudder, B. (2023). Global networks of money and information at the crossroads: Correspondent banking and SWIFT. Global Networks, 23(2), 478–493.
    19. Robinson, G., Dörry, S., & Derudder, B. (2025). SWIFT: Trusted infrastructure for infrastructures. In The Cambridge Global Handbook of Financial Infrastructure (pp. 237-249). Cambridge University Press.
    20. Willett, J. R. (2012). The second Bitcoin whitepaper.
    21. World Bank. (2024).Remittance prices worldwide - Issue 51. Retrieved from https://remittanceprices.worldbank.org/sites/default/files/rpw_main_report_and_annex_q324.pdf
    22. Yermack, D. (2024). Is Bitcoin a real currency? An economic appraisal. In Handbook of digital currency (pp. 29-40). Academic Press.
    Description: 碩士
    國立政治大學
    資訊管理學系
    112356031
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0112356031
    Data Type: thesis
    Appears in Collections:[資訊管理學系] 學位論文

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