金融庁委託 ASEAN の金融包摂に係る委託調査 報告書

1 ASEAN 2021 3 Institute for International Monetary Affairs ASEAN 1 2 3 4 2 2021 3 i ..i .. iii ..iv .. v .. 1 1 .. 2 1. ASEAN .. 2 2. ASEAN .. 3 2.

2 5 1.. 5 1 .. 5 2 .. 6 3 .. 11 2.. 13 1 .. 13 2 .. 17 3 .. 19 3.. 22 1 .. 22 2 .. 25 3 .. 29 4.. 31 1 .. 31 2 .. 33 3 .. 36 5.. 38 1 .. 38 2 .. 41 3 .. 44 ii 6.

3 46 1 .. 46 2 .. 48 3 .. 51 7.. 53 1 .. 53 2 .. 56 3 .. 61 8.. 62 1 .. 62 2 .. 64 3 .. 66 9.. 68 1 .. 68 2 .. 70 3 .. 73 10.. 74 1 .. 74 2 .. 76 3 .. 77 3.

4 78 .. 80 .. 81 iii ASEAN ASEAN 4 ASEAN 2015 ASEAN AEC ASEAN AEC 2025

5 ASEAN iv ABS The Association of Banks in Singapore ACH Automatic Clearing House AMBD Autoriti Monetari Brunei Darussalam AML/CFT Anti-Money Laundering/Combating the Financing of Terrorism BIBD Bank Islam Brunei Darussalam BNM Bank Negara Malaysia BPR Bank Perkreditan Rakyat (Rural Bank) BRI Bank Rakyat Indonesia CBM Central Bank of Myanmar CGS Credit Guarantee Scheme CIC Credit Information Center EB Ejien Bank (Agent Bank) FRD financial Regulatory Department FSBP financial Sector Blueprint KTP Kartu Tanda Penduduk (Indonesian identity card) LKD Layanan Keuangan Digital (Digital financial Services) LP Laku Pandai (Branchless Banking)

6 MAS Monetary Authority of Singapore MFIs Microfinance Institutions MOPFI Ministry of Planning, Finance and Industry MSMEs Micro, Small and Medium Enterprises NFIS national financial inclusion strategy OJK Otoritas Jasa Keuangan ( financial Services Authority of Indonesia) SFI Specialized financial Institution SMEs Small and Medium Enterprises UNCDF United Nations Capital Development Fund VBSP Vietnam Bank for Social Policies VSS Vietnam Social Security v / POS

7 / FinTech Finance Technology IT 1 ASEAN 1 GDP 6 5,000 1,300 50 15 100 8 2 3 ATM ASEAN

8 QR ID ASEAN 2 1 1.

9 ASEAN ASEAN 1 GDP 6 5,000 1,300 50 1-1 GDP 100 30 40 15 100 8 2 3 1 ASEAN 6 2 1-1 ASEAN 1 25

10 2 ,2344,1977,80711,1933,5123,4161,2991,620 2,66129, 20 12 20 12 20 6 20 6 20 12 20 9 20 12 20 9 20 12 8161110946831859531154529267232674 2. 3. 15 IM F 10 15 100 1 GDP GDP ATM 10 15 15 1.