Modern Economics & Management Forum

Against the backdrop of international banking business development, this paper systematically analyzes the innovation modes and risk prevention and control mechanisms of cross-border financing. By sorting out practical paths such as fintech-driven supply chain finance, syndicated loan upgrades, blockchain tool innovations, and cross-border REITs/ABS securitization, and combining with the identification framework of exchange rate and interest rate risks, sovereign policy risks, credit risks, and compliance regulatory risks, it proposes a tripartite collaborative prevention and control strategy involving banks, enterprises, and regulatory authorities. The study emphasizes that innovation should be balanced with risk prevention and control, and sustainable development of cross-border financing should be achieved through technology empowerment, structural optimization, and institutional improvement, so as to provide theoretical support and empirical reference for the practice of international banking.