SHENZHEN, Gunyana. [XX] — Sezvo vatengesi vezvitoyi vekuChina vachiwedzera pasi rose, njodzi iri kukura iri kupararira pamusoro pemari yavo: kuwedzera kwekubiridzira mukubhadhara uye kusawirirana. Kunyange hazvo China Export & Credit Insurance Corporation (Sinosure) yakashuma kuwedzera kwe13.5% pagore muinishuwarenzi) kusvika kumadhora mazana mashanu nemakumi matanhatu nemashanu nemakumi matanhatu nemashanu nemakumi matanhatu emadhora muhafu yekutanga ya2025, data reindasitiri rinoratidza chokwadi chakasviba: 75% yevatengi muUS neUK vakatanga kubhadharisa mari muna 2024, zvichikwira zvakanyanya. Kubva kumaakaundi enhema akagadzirwa neAI kusvika kukubiridzira kweLetter of Credit uye kunonoka kwekubhadhara munharaunda, vatengesi vezvitoyi vanotarisana nenjodzi dzisati dzamboitika dzekuunganidza mari dzinoda kutariswa nekukurumidza. Mushumo uyu unoongorora maitiro ekubiridzira ari kubuda uye unopa dziviriro dzinoshanda dzekufamba nemamiriro ekubhadhara akaipisisa a2025.
Mamiriro Ekubiridzira Ari Kuchinja: Zvirongwa Zvinotungamirirwa neAI Nenjodzi Dzemunzvimbo
Chinhu chinonyanya kutyisa mukubiridzira mukubhadhara kwepasi rose ndiko kukurumidza kushandiswa kwetekinoroji dzeAI nevanyengeri. Mapoka ematsotsi ari kuwedzera kushandisa mamodheru makuru emitauro senge FraudGPT neWormGPT kugadzira maemail ehunyanzvi hwe phishing, kugadzira ma profiles evatengi venhema, uye kunzvenga masisitimu ekusimbisa kuchengetedzeka, sekureva kweRiskified's 2024 Global Insights Report on Chargeback Challenges. Aya maturusi eAI anogonesa vanyengeri kugadzira "maakaundi emarobhoti" anoita seari pamutemo anogona kupedzisa kutenga asati anyangarika nezvinhu, zvichisiya vanotengesa kunze vasina kubhadharwa.
"Vanyengeri vanoshandisa AI vanogona kugadzira mazana emazita enhema anotaridzika seari echokwadi zvekuti anogona kupasa bvunzo dzekutanga dzekusimbisa," anotsanangura kudaro Tasneen Padiath, Mutungamiriri weAPAC kuRiskified, kambani inotungamira mukudzivirira hutsotsi. "Muindasitiri yematoyi, uko kudiwa kwemari mwaka kunowedzera kumanikidzwa kuti vanhu vazadzise maodha nekukurumidza, maakaundi aya enhema ari kukonzera kurasikirwa kukuru - dzimwe nguva makumi ezviuru zvemadhora pachiitiko chimwe nechimwe."
Kusiyana kwenzvimbo dzakasiyana-siyana mumaitiro ekubiridzira kuri kuwedzera kuoma kwekutarisira njodzi. MuCosta Rica, musika mukuru wekutengesa zvinhu zvekuChina zvinotengeswa kunze kwenyika, kushanduka-shanduka kwemari uye kusagadzikana kwehupfumi zvakakonzera kuwedzera kwezviitiko zvekunonoka kubhadhara uye kuunganidzwa kwemidziyo yemuchiteshi sezvo vatengi vachiramba kugamuchira zvinhu kana mitengo yekutsinhana isingafadzi, sekureva kweZhejiang Provincial Council for the Promotion of International Trade. Izvi zvakawedzera mari yekuchengetedza nekutakura zvinhu zvinotengeswa kunze kwenyika neavhareji ye12-15% muna 2025.
Misika yeLatin America ine matambudziko akasiyana, nevanyengeri vachishandisa masisitimu ekutumira mari panguva chaiyo aripo munharaunda iyi. Nekuba magwaro ekubhadhara evatengi uye kushandisa AI kugadzira ruzivo rwenhema, matsotsi akawedzera kutengeserana kwenhema kwakanangana nekutumira matoyi - kunyanya zvinhu zvine mutengo wakakwira senge nhamba dzinounganidzwa uye matoyi emagetsi anochengetedza kukosha kwekutengesa. Misika iri kusimukira ine zvivakwa zvebhangi zvisina kusimba ndiyo inonyanya kukuvadzwa, ichirasikirwa nemari inosvika 6% kubva mukubiridzirwa kwekubhadhara zvichienzaniswa neavhareji yepasi rose ye3%, data reRiskified rinoratidza.
Nzira dzechinyakare dzekubiridzira dzichiripo pamwe chete nenjodzi idzi itsva. Kubiridzira mutsamba dzechikwereti (L/C) kuchiri kunetsa, nevabiridzira vachigadzira magwaro enhema kana kugadzirisa ruzivo rwekutumira zvinhu kuti vatsause zvinhu. Mumwe mutengesi wematoyi ari kuGuangdong anonyanya kugadzira zvigadzirwa zvedzidzo akataura kuti akarasikirwa nemadhora mazana mana ezviuru zvemadhora kutanga kwa2025 mushure mekunge mutengi kuSoutheast Asia aratidza magwaro enhema eL/C airatidzika kunge echokwadi kusvika zvinhu zvatumirwa zvatove munzira.
Zvidzidzo zveNyaya: Kushandiswa kweVatengesi Vezvinhu Zvematoyi Kunze Kwenyika
Zviitiko zvechangobva kuitika zvinoratidza njodzi dzakasiyana-siyana dziri kusangana nevatengesi vezvinhu zvematoyi. Muna Kurume 2025, kambani yepakati nepakati muYiwu inonyanya kugadzira matoyi epamusoro yakagamuchira odha hombe kubva kukambani ichangobva kuumbwa muBrazil yezvigadzirwa zvinokosha $250,000. Mutengi akaramba achishandisa nzira yekubhadhara isinganyanyi kuzivikanwa munharaunda uye akapa magwaro ekusimbisa hunhu hwake. Mushure mekutumira odha, mutengesi akaona kuti kambani iyi yaive yenhema - magwaro ayo ehunhu akagadzirwa neAI - uye kubhadhara kwacho kwainge kwaitwa neruzivo rwekadhi rechikwereti rakabiwa. Pakazotanga kudzoserwa mari, zvinhu zvacho zvakanga zvatogoverwa kuburikidza nenzira dzisina kurongeka muBrazil.
Imwe nyaya yaibatanidza mutengesi wezvinhu zvechiuto wekuHong Kong uyo akawira mukubiridzira kweL/C muEurope. Mutengi, achinyepedzera sechikamu chekambani inozivikanwa yekutengesa, akapa L/C kuburikidza nebhangi diki rekuEastern Europe. Magwaro acho airatidzika seechokwadi, asi pakuongorora zvakanyanya mushure mekutumirwa, pakawanikwa kusawirirana mumakodhi ekubvumidza ebhangi. Panguva iyoyo, matoyi—ane mavara ane mifananidzo yakakurumbira—akanga aendeswa kunzvimbo yekuchengetera zvinhu isina mvumo uye akatengeswa pamisika yechipiri.
Zvichida chinonyanya kunetsa inyaya yekudzoserwa kwemari mumakambani makuru. Kambani yematoyi yeShenzhen inotengesa musika weAmazon muEurope yakashuma kuwedzera kwe300% muzvikumbiro zve "chinhu chisina kugamuchirwa" mukota yechipiri ya2025, kunyangwe ichishandisa masevhisi ekutumira anoteverwa. Kuferefeta kwakaratidza kuti vanyengeri vaishandisa AI kugadzira shanduko dzinogutsa dzekero yekutumira uye vozoti kusaendeswa. Kambani iyi inofungidzira kuti kudzoserwa kwemari uku kwenhema kwakavatorera $80,000 yezvinhu zvakarasika nemari yekugadzirisa mumwedzi mitatu chete.
Maitiro Ekuderedza Njodzi: Matanho Anoshanda Kune Vanotumira Zvinhu Kunze Kwenyika
Kuti varwise njodzi idzi dziri kuramba dzichikura, vatengesi vezvinhu zvinotengesa matoyi vari kushandisa nzira dzakasiyana-siyana dzekugadzirisa njodzi dzinosanganisa tekinoroji, kushingaira, uye kudyidzana kwakarongeka.
Kunyatsoongorora uye Kusimbisa Zvakaitwa
Vatengesi vekunze vanotungamira vava kushandisa nzira dzakasimba dzekusimbisa vatengi vasati vagamuchira maodha. Izvi zvinosanganisira kusimbisa kunyoreswa kwemakambani kuburikidza nemakambani ekutengeserana emunharaunda, kutarisa nhoroondo yechikwereti kuburikidza nemasevhisi akaita seDun & Bradstreet, uye kuda mamwe magwaro kune vanotenga kekutanga. "Iye zvino tava kuita mafoni evhidhiyo nevatengi vatsva kuti tisimbise nzvimbo dzebhizinesi ravo uye tinokurudzira kuti pave nekubhadhara chikamu chemaodha anodarika $50,000," anodaro maneja wenjodzi kukambani huru inogadzira matoyi eGuangdong. "Matanho aya aderedza kurasikirwa kwedu kwekubiridzira ne40% gore rino."
Pakutengeserana kwepaindaneti, kushandisa maturusi ekuongorora hunhu achishandisa AI kwave kwakakosha. Mhinduro dzakadai seRiskified's fraud detection system dzinoshandisa machine learning kuongorora mazana edata points—kubva kuIP addresses kusvika kubrowsing patterns—kuti vaone kutengeserana kunofungidzirwa zvinhu zvisati zvatumirwa. "Mamodheru edu eAI anogona kuona 95% yemaakaundi enhema akagadzirwa neAI nekuongorora kusawirirana kudiki mumapatani avo ehunhu," Padiath anotsanangura.
Sarudzo yeNzira dzeKubhadhara Dzakarongeka
Kusarudza nzira chaiyo yekubhadhara zvichibva pamusika uye nhoroondo yemutengi kunoderedza njodzi zvakanyanya. Kune kutengeserana kwakakosha mumisika isingazivikanwe zvakanyanya, vatengesi vazhinji vekunze ikozvino vanosimbirira pakubhadhara mari isingadzoreki yakasimbiswa nemabhanga epasi rose ane mukurumbira kwete nemasangano emuno. Maodha epakati nepakati anowanzo shandisa masevhisi e escrow seAlibaba's Trade Assurance, ayo anochengeta mari kusvika yasimbiswa.
Mumisika iri kusimukira, kushanda pamwe chete nevanopa mari dzekunze kwenyika kunopa dziviriro iri nani pane nzira dzekare dzemabhanga. Makambani akaita seXTransfer, ayo anotarisa pakubhadhara kwekutengeserana kwekunze kweB2B, anopa maakaundi ekuunganidza mari munharaunda mumisika yakatarwa, zvichideredza kuvimba nemabhanga ari pakati uye zvichipa kutarisa kuri nani kwehutsotsi. "Kushandisa maakaundi ekuunganidza mari munharaunda muSoutheast Asia kwaderedza kunonoka kwedu kubhadhara ne70% uye kwaderedza zviitiko zvehutsotsi," anodaro mumwe mutengesi wezvitoyi anoshanda muIndonesia neVietnam.
Inishuwarenzi uye Dziviriro dzeMari
Nhamba iri kuwedzera yevatengesi vezvinhu zvematoyi vari kushandisa inishuwarenzi yechikwereti chekutumira zvinhu kunze kwenyika kudzivirira njodzi dzekusabhadhara. Data raSinosure ra2025 rinoratidza kuti inishuwarenzi yechikwereti chekutumira zvinhu kunze kwenyika kwenguva pfupi, iyo inofukidza njodzi dzekutengeserana nedzezvematongerwo enyika, yakatsigira $140.7 bhiriyoni mukutengesa zvinhu zvematoyi kunze kwenyika muhafu yekutanga yegore, kuwedzera kwe5% kubva munguva yakapfuura. Inishuwarenzi iyi inowanzovhara 80-90% yekurasikirwa kubva pakusakwanisa kubhadhara mari yevatengi, kutadza kubhadhara kwenguva refu, kana zviitiko zvematongerwo enyika.
Pakutengeserana kunogara kuchiitwa, mabasa ekugadzirisa zvinhu anopa imwe nzira yekudzivirira nekutenga maakaundi anowanikwa nemutengo wakaderera uye nekufunga kuti njodzi yekuunganidzwa kwemari ichawanikwa. Izvi hazvingoderedzi chete kubatwa nechikwereti chakaipa asiwo zvinovandudza kufamba kwemari—chinhu chakakosha muindasitiri yematoyi inodya mari yakawanda nemwaka wayo wekugadzira zvinhu.
Kuratidza Remangwana Rinopesana Nenjodzi Dziri Kuitika
Sezvo vanyengeri vachitora maturusi eAI akanyanya kuomarara, vatengesi vekunze vanofanira kugara vachivandudza dziviriro yavo. Nyanzvi dzeindasitiri dzinokurudzira kudzidziswa kwevashandi nguva dzose nezvemaitiro matsva ekubiridzira, kunyanya ayo ane chekuita nezvinyorwa zvakagadzirwa neAI. "Vatengi vedu vazhinji ikozvino vanoita simulations kota yega yega uko mapoka anodzidzira kuona magwaro akagadzirwa neAI uye ma profiles evatengi venhema," anodaro nyanzvi yezvengozi inyanzvi mukutumira kunze kwematoyi.
Kushanda pamwe chete mukati meindasitiri kuri kukurawo. Masangano ekutengeserana akaita seChina Toy & Juvenile Products Association akagadzira madhatabhesi akagovaniswa evatengi venhema uye kutengeserana kunofungirwa, zvichibvumira nhengo kuti dzibatanidze njodzi pamwe chete. Zvichakadaro, kubatana pakati pevatengesi vekunze nemakambani etekinoroji kuri kupa mhinduro dzakanyanya, dzakadai semasisitimu akavakirwa pablockchain ekutevera kutumirwa uye kusimbisa magwaro echokwadi munguva chaiyo.
Tichitarisa mberi, vatengesi vezvitoyi vakasimba zvikuru ndivo vanochengetedza kukura nekungwarira. "Kuwedzera misika mitsva kwakakosha, asi kwete nekuda kwekudzivirira njodzi," anorayira kudaro mumwe muongorori weindasitiri kuEuromonitor. "Vatengesi vezvitoyi vanobudirira vegore ra2025 ndivo vachave avo vanobatanidza kudzivirira hutsotsi muzvirongwa zvavo zvebhizinesi, vachishandisa musanganiswa wetekinoroji, inishuwarenzi, uye nzira dzekubhadhara dzakarongeka kuchengetedza mari yavo."
Sezvo mabhizinesi ematoyi ekuChina achizivikanwa pasi rose—kunyanya ayo anoshandisa maIP eanimation anozivikanwa—kudiwa kwekudzivirira zvinhu izvi zvinokosha kubva mukubiridzirwa kwekubhadhara kwava kutonyanya kukosha. Nekushandisa maitiro akasimba ekusimbisa, kusarudza nzira dzakakodzera dzekubhadhara, uye kushandisa maturusi emari aripo, vatengesi vanogona kufamba munzvimbo dzakaoma dzengozi dza2025 uku vachiramba vachivaka kuvapo kwavo pasi rose.
Nguva yekutumira: Gunyana-20-2025
