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剑桥大学贾奇商学院:2025亚太地区开放银行与开放金融状况报告(英文版)(105页).pdf

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1、The APAC State of Open Banking and Open Finance ReportJune 2025With the support ofSuggested CitationCCAF&ADBI(2025)The APAC State of Open Banking and Open Finance,Cambridge Centre for Alternative Finance,University of Cambridge and the Asian Development Bank Institute.Forewords 4 Research Team and A

2、cknowledgements 7 Glossary 8 Executive Summary 9 Introduction 11 Part I:Understanding Open Banking and Open Finance 14 1.Policy Objectives of Open Banking and Open Finance 16 2.Key Actors of Open Banking and Open Finance 19 3.Key Enablers of Open Banking and Open Finance 21 4.Key Governance Framewor

3、ks of Open Banking and Open Finance 23 Part II:Implementation Trends 25 1.Trends in Governance 27 2.Trends in Policy Objectives and Regulatory Authorities 31 3.Trends in Status 32 4.Trends in Timelines of Open Banking and Open Finance 36 5.Trends in Data Sharing of Open Banking and Open Finance 38Pa

4、rt III:Jurisdiction Frameworks 46 1.Australia 48 2.Indonesia 53 3.The Philippines 57 4.New Zealand 62 5.Thailand 67 6.Pakistan 71 7.Singapore 75 8.Hong Kong,China 79 9.Japan 83 Conclusion 86 Appendices 89 Endnotes 98Contents4The APAC State of Open Banking and Open Finance ReportPart II:Implementatio

5、n Trends4The APAC State of Open Banking and Open Finance ReportThe Asia-Pacific(APAC)region is undergoing a profound transformation in financial services,driven by frameworks to enable the secure and transparent sharing of data the most critical asset in the modern financial ecosystem.Through framew

6、orks such as Open Banking and Open Finance,financial institutions are rethinking how they share and leverage customer data with consent,unlocking new opportunities for innovation while ensuring privacy and security are prioritised.In this landscape,efforts to modernise infrastructure can play a cruc

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1. **报告背景**:剑桥大学替代金融中心(CCAF)与亚洲开发银行研究所(ADBI)联合发布《亚太开放银行与开放金融报告》,基于16个司法辖区的调研,分析实施现状与趋势。 2. **核心数据**: - 56%的亚太司法辖区已实施开放银行监管(全球平均63%),57%推出开放金融监管(全球领先)。 - 开放银行数据共享活跃度高于全球:监管驱动型司法辖区平均得分4(全球2.9),市场驱动型平均3.11(全球1.96)。 3. **关键趋势**: - **政策目标**:亚太以金融包容性为主(如印度、印尼),全球则以竞争为主导。 - **治理模式**:亚太多采用市场驱动(8个)或引导实施(如香港、新加坡),不同于全球监管主导(54个)。 - **挑战**:开放金融扩展至保险等领域进展有限,仅部分司法辖区成功。 4. **未来方向**:加强跨境协作、平衡创新与消费者保护,推动开放数据以释放经济潜力。
开银趋势如何? 金融包容性如何? 数据共享现状?
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