1、Public Policy,Fintech and SMEs:Recommendations for Promoting a New Financing EcosystemAPEC Small and Medium Enterprises Working GroupAugust 2022Public Policy,Fintech and SMEs:Recommendations for Promoting a New Financing EcosystemAPEC Small and Medium Enterprises Working Group August 2022 APEC Proje

2、ct:SME 09 2019A Produced by A2F Consulting LLC 50 W.Montgomery Avenue,Suite 260 Rockville,MD 20850/USA Tel+1(301)907-9400 Email:infoa2f- For Asia-Pacific Economic Cooperation Secretariat 35 Heng Mui Keng Terrace Singapore 119616 Tel:(65)68919 600 Fax:(65)68919 690 Email:infoapec.org Website:www.apec

3、.org 2022 APEC Secretariat APEC#222-SM-01.1 3 TABLE OF CONTENTS 1 EXECUTIVE SUMMARY.11 2 INTRODUCTION.14 3 APPROACH&METHODOLOGY.16 4 STATE OF PLAY REGARDING REGULATORY AND SUPPORT PROGRAM APPROACHES.20 4.1 OVERVIEW OF THE REGULATORY ENVIRONMENT.20 4.2 STATE OF FINTECH ADOPTION.21 4.3 POLICY AND PROG

4、RAMS SUPPORTING FINTECH DEVELOPMENT.22 4.4 TECHNOLOGIES SUPPORTING FINTECH DEVELOPMENT.28 5 MAP OF CURRENT INITIATIVES TO EASE SMES ACCESS TO FINTECH.30 5.1 OVERVIEW.30 5.2 MAP OF CURRENT INITIATIVES.32 5.3 INNOVATIVE MODELS TO IMPROVE FINANCIAL INCLUSION.46 6 FINTECH GENDER INCLUSION.48 6.1 GENERAL

5、 TRENDS IN GENDER INCLUSION.48 6.2 IMPACT OF FINTECH POLICIES ON GENDER INCLUSION.49 7 REGIONAL CASE STUDIES.52 7.1 AUSTRALIA.52 7.2 CANADA.67 7.3 CHILE.80 7.4 COLOMBIA.93 7.5 HONG KONG,CHINA.102 7.6 INDONESIA.112 7.7 KENYA.122 7.8 MALAYSIA.132 7.9 MEXICO.145 7.10 THE PHILIPPINES.154 7.11 SINGAPORE.

6、164 7.12 THAILAND.176 7.13 USA.188 7.14 VIET NAM.198 8 PROMISING AVENUES FOR AN EFFECTIVE SME FINTECH POLICY LANDSCAPE.208 ANNEXES.211 ANNEX 1:SUMMARY OF APEC ECONOMIES AND NON-MEMBERS CORE FINTECH ACTIVITIES.211 ANNEX 2:DATA COLLECTION KEY INFORMANT INTERVIEW GUIDES AND QUESTIONNAIRES.217 4 LIST OF