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 .. 5 1.. 5 1 .. 5 2 .. 6 3 .. 11 2.. 13 1 .. 13 2 .. 17 3.

2 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.. 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.

3 73 10.. 74 1 .. 74 2 .. 76 3 .. 77 3 .. 78 .. 80 .. 81 iii ASEAN ASEAN 4 ASEAN 2015 ASEAN AEC ASEAN AEC 2025 ASEAN iv ABS The Association of Banks in Singapore ACH

4 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) 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)

5 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 / FinTech Finance Technology IT 1 ASEAN 1 GDP 6 5,000 1.

6 300 50 15 100 8 2 3 ATM ASEAN QR ID ASEAN 2 1 1.

7 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 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.

8 3. 15 IM F 10 15 100 1 GDP GDP ATM 10 15 15 1. 1 GDP ATM 2019 ATM 2018 2017 3 100 1-2 2 ASEAN 1-3 2.

9 ASEAN ASEAN 2025 ASEAN ASEAN Economic Community 2025 Strategic Action Plans SAP for Financial Integration From 2016 - 2025 3 2016 ASEAN ASEAN Working Committee on Financial Inclusion: WC-FINC ASEAN Working Committee on Payment and Settlement Systems: WC-PSS ASEAN ASEAN Payments Policy Framework ASEAN 2019 4 ASEAN ASEAN ASEAN Payment Connectivity MOU 4 2021 PayNow PromptPay 5 3 4 5 4 DuitNow 6 QR 1-2 ASEAN 1-3

10 ASEAN mobile-numbers-in-2021/ 6 0204060801001201401601802001014181014181 0141810141810141810141810141810141810141 8101418101418 ASEAN 100 ASEAN / 2015 6 2016 - 2015 e-p ay ment society 2025 2019 6 2015 12 2020-2023 Pay NowBI FAST Promp tPayDuitNowInstaPay QR SGQRQRISTHAI QR PAYM ENTDuitNow QRQR Ph ID NDI KTP-el IDM y KadPhilSy s ID - 2019 2023 2020 2 2016-2025 2020-2025 2016 2020 2018 - CBDC -M obile M oney - QR M M QR-Lao QR Code - ID NRC National Identity Card E-ID ID 2020 9 ID -- 2019-2025 (2011-2020 5 2 1.)