Research on Settlement Risk Prevention and Control and Financial Strategy Optimization of Textile Cross-Border E-Commerce Enterprises under the RCEP Framework

The implementation of the Regional Comprehensive Economic Partnership has introduced unified regional rules and institutional dividends, reducing trade uncertainty among member states and creating a more favorable environment for textile cross-border e-commerce exports. However, currency diversification and differences in settlement rules within the region have intensified settlement risks. Taking textile cross-border e-commerce enterprises as the research object, this paper systematically analyzes four types of settlement risks under the RCEP framework: exchange rate fluctuation risk, credit default risk, compliance supervision risk, and payment operation risk. A multidimensional risk assessment index system and quantitative model are constructed to evaluate enterprise settlement risk levels. Based on empirical analysis, financial strategy optimization plans are proposed from four dimensions: settlement method selection, exchange rate risk management, financial process optimization, and compliance system construction. The study provides theoretical support and practical guidance for textile cross-border e-commerce enterprises to reduce settlement risk, improve financial stability, and achieve steady development by effectively using RCEP regional trade dividends.