世界银行-开放金融：韩国经验与东亚及太平洋地区的机遇与挑战（英）.pdf

OpenFinance:theKoreanExperience&OpportunitiesandChallengesfortheEastAsiaandPacificRegionSeoulCenterforFinanceandInnovationIncollaborationwithPublicDisclosureAuthorizedPublicDisclosureAuthorizedPublicDisclosureAuthorizedPublicDisclosureAuthorized©2024InternationalBankforReconstructionandDevelopment/TheWorldBank1818HStreetNWWashingtonDC20433Telephone:202-473-1000Internet:www.worldbank.orgThisworkisaproductofthestaffofTheWorldBankwithexternalcontributions.Thefindings,interpretations,andconclusionsexpressedinthisworkdonotnecessarilyreflecttheviewsofTheWorldBank,itsBoardofExecutiveDirectors,orthegovernmentstheyrepresent.TheWorldBankdoesnotguaranteetheaccuracy,completeness,orcurrencyofthedataincludedinthisworkanddoesnotassumeresponsibilityforanyerrors,omissions,ordiscrepanciesintheinformation,orliabilitywithrespecttotheuseoforfailuretousetheinformation,methods,processes,orconclusionssetforth.Theboundaries,colors,denominations,andotherinformationshownonanymapinthisworkdonotimplyanyjudgmentonthepartofTheWorldBankconcerningthelegalstatusofanyterritoryortheendorsementoracceptanceofsuchboundaries.NothinghereinshallconstituteorbeconstruedorconsideredtobealimitationuponorwaiveroftheprivilegesandimmunitiesofTheWorldBank,allofwhicharespecificallyreserved.RightsandPermissionsThematerialinthisworkissubjecttocopyright.BecauseTheWorldBankencouragesdisseminationofitsknowledge,thisworkmaybereproduced,inwholeorinpart,fornoncommercialpurposesaslongasfullattributiontothisworkisgiven.Anyqueriesonrightsandlicenses,includingsubsidiaryrights,shouldbeaddressedtoWorldBankPublications,TheWorldBankGroup,1818HStreetNW,Washington,DC20433,USA;fax:202-522-2625;e-mail:pubrights@worldbank.org.WorldBankGroupFinance,CompetitivenessandInnovationGlobalPracticeOpenFinance:theKoreanExperience&OpportunitiesandChallengesfortheEastAsiaandPacificRegionSeoulCenterforFinanceandInnovationMAY2024AcknowledgmentThispaperisaproductoftheWorldBankFinance,CompetitivenessandInnovation(FCI)GlobalPractice’sEastAsiaandPacificRegion,SeoulCenterforFinanceandInnovation(SeoulCenter),KoreaFinancialTelecommunications&ClearingsInstitute(KFTC),andKoreaInstituteofFinance(KIF).ItispartofalargereffortbytheWorldBankKoreaOfficetocontributetodevelopmentpolicydiscussionsoninnovationmattersintheEastAsiaandPacificregionandaroundtheworld.Theauthors1areextremelythankfulforthesupportoftheWorldBank,KIFandKFTCfortheirpartnershiponthispaper.ThanksalsogotoBankIndonesiaandBangkoSentralNgPilipinasfortheircooperationincompletingthesurveyontheiropenfinancedevelopment.TheauthorsappreciateguidanceandcommentsfromZaferMustafaoglu(PracticeManager,FCI),FredesvindaFatimaMontes(SeniorFinancialSectorSpecialist,FCI),MariusVismantas(LeadFinancialSectorSpecialist,FCI),MariaFernandezVidal(SeniorFinancialSectorSpecialist,FCI),GuillermoAlfonsoGaliciaRabadan(Consultant,FCI),andStuartYikona(ProgramManager,FCISeoulCenter).TheauthorsalsothankSeongkiHong(SeniorFinancialSectorSpecialist,FCI)andSeungeunJeong(Consultant,FCISeoulCenter)forallthesupportinthef