{"id":483818,"date":"2024-04-04T13:58:35","date_gmt":"2024-04-04T05:58:35","guid":{"rendered":"https:\/\/law.asia\/?p=483818"},"modified":"2025-11-20T16:21:02","modified_gmt":"2025-11-20T08:21:02","slug":"digital-banking-japan","status":"publish","type":"post","link":"https:\/\/law.asia\/zh-hans\/digital-banking-japan\/","title":{"rendered":"\u5317\u4e9a\u5730\u533a\u6570\u5b57\u94f6\u884c\u4e1a\u6307\u5357\uff1a\u65e5\u672c"},"content":{"rendered":"<table style=\"margin-top: 0px; height: 12px;\" width=\"700\">\n<tbody style=\"border: 1px solid transparent; width: 100%; background-color: #32849b;\">\n<tr style=\"border: 1px solid transparent;\">\n<td style=\"width: 25%; margin: 0px; padding-top: 5px; padding-bottom: 5px; border-right: 2px solid #ffffff;\" valign=\"middle\">\n<p style=\"margin-bottom: 0px; text-align: center;\"><span style=\"color: #000000;\"><b> \u65e5\u672c<\/b><\/span><\/p>\n<\/td>\n<td style=\"width: 25%; margin: 0px; padding-top: 5px; padding-bottom: 5px; border-right: 2px solid #ffffff;\" valign=\"middle\">\n<p style=\"margin-bottom: 0px; text-align: center;\"><a href=\"https:\/\/law.asia\/zh-hans\/digital-banking-regulation-south-korea\/\"><span style=\"color: #ffffff;\"><b> \u97e9\u56fd<\/b><\/span><\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">\u65e5\u672c\u9996\u5bb6\u5b8c\u5168\u901a\u8fc7\u4e92\u8054\u7f51\u5f00\u5c55\u4e1a\u52a1\u7684\u94f6\u884c\u4e8e2000\u5e7410\u6708\u5f00\u4e1a\u3002\u5f53\u65f6\uff0c\u5176\u901a\u5e38\u88ab\u79f0\u4e3a\u201c\u4e92\u8054\u7f51\u94f6\u884c\u201d\u3002\u968f\u540e\uff0c\u968f\u7740\u667a\u80fd\u624b\u673a\u666e\u53ca\uff0c\u65e5\u672c\u7684\u4f20\u7edf\u91d1\u878d\u673a\u6784(\u5927\u578b\u94f6\u884c\u548c\u533a\u57df\u6027\u94f6\u884c)\u4e5f\u9010\u6e10\u5f00\u59cb\u63a8\u51fa\u94f6\u884c\u670d\u52a1\u5e94\u7528\u7a0b\u5e8f\uff0c\u4f7f\u4ea4\u6613\u80fd\u591f\u5b8c\u5168\u5728\u7ebf\u4e0a\u5b8c\u6210\u3002<\/p>\n<p style=\"text-align: justify;\">\u6700\u8fd1\uff0c\u4e00\u4e9b\u94f6\u884c\u5f00\u59cb\u4e0e\u8bc1\u5238\u548c\u4fdd\u9669\u516c\u53f8\u5408\u4f5c\u63a8\u51fa\u8d85\u7ea7\u5e94\u7528\uff0c\u8ba9\u7528\u6237\u4e0d\u4ec5\u53ef\u4ee5\u4f7f\u7528\u94f6\u884c\u670d\u52a1\uff0c\u8fd8\u53ef\u4ee5\u4ea4\u6613\u8bc1\u5238\u548c\u8d2d\u4e70\u4fdd\u9669\u3002<\/p>\n<p style=\"text-align: justify;\">\u4e0e\u5176\u4ed6\u56fd\u5bb6\u4e00\u6837\uff0c\u81ea2020\u5e74\u75ab\u60c5\u7206\u53d1\u4ee5\u6765\uff0c\u65e5\u672c\u7684\u6570\u5b57\u94f6\u884c\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002\u9664\u7ecf\u8425\u81ea\u8eab\u7684\u94f6\u884c\u4e1a\u52a1\u5916\uff0c\u4e00\u4e9b\u94f6\u884c\u8fd8\u5f00\u59cb\u901a\u8fc7\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3(API)\u5411\u516c\u53f8\u63d0\u4f9b\u94f6\u884c\u5373\u670d\u52a1(BaaS)\u5e73\u53f0\u3002<\/p>\n<p style=\"text-align: justify;\">\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u65e5\u672c\u8bb8\u591a\u4e92\u8054\u7f51\u94f6\u884c\u4e00\u76f4\u4e3b\u8981\u63d0\u4f9b\u5bf9\u79c1\u670d\u52a1\u3002\u7136\u800c\uff0c\u57282023\u5e74\uff0c\u4e00\u5bb6\u94f6\u884c\u96c6\u56e2\u5ba3\u5e03\u6210\u7acb\u4e13\u95e8\u4e3a\u516c\u53f8\u5728\u7ebf\u8d37\u6b3e\u7684\u6570\u5b57\u94f6\u884c\uff0c\u76ee\u6807\u662f\u57282024\u5e74\u5e95\u524d\u5f00\u4e1a\u3002<\/p>\n<p style=\"text-align: justify;\">\u5982\u4eca\uff0c\u5728\u65e5\u672c\uff0c\u94f6\u884c\u5e76\u4e0d\u662f\u6570\u5b57\u94f6\u884c\u7684\u552f\u4e00\u53c2\u4e0e\u8005\u3002\u201c\u677e\u7ed1\u201d\u662f\u65e5\u672c\u6700\u8fd1\u91d1\u878d\u76d1\u7ba1\u7684\u7279\u70b9\u4e4b\u4e00\uff0c\u653f\u5e9c\u4e3a\u5f00\u5c55\u90e8\u5206\u4f20\u7edf\u94f6\u884c\u670d\u52a1\u7684\u4f01\u4e1a\u5b89\u6392\u4e86\u4e0d\u540c\u7c7b\u578b\u7684\u724c\u7167\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #32849b;\"><strong>\u724c\u7167\u5236\u5ea6<\/strong><\/span><\/h2>\n<figure id=\"attachment_478362\" aria-describedby=\"caption-attachment-478362\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478363\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Katsuya-Hongyo.jpg\" alt=\"Katsuya Hongyo\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478362\" class=\"wp-caption-text\"><strong>Katsuya Hongyo<\/strong><br \/>\u5408\u4f19\u4eba<br \/>\u4e1c\u4eacChuo Sogo Law Office<br \/>\u7535\u8bdd\uff1a+81 3 3539 1877<br \/>\u7535\u5b50\u90ae\u4ef6\uff1a <a href=\"mailto:hongyo_k@clo.gr.jp\">hongyo_k@clo.gr.jp<\/a><\/figcaption><\/figure>\n<p style=\"text-align: justify;\">\u300a\u94f6\u884c\u6cd5\u300b\u5c06\u94f6\u884c\u4e1a\u52a1\u5b9a\u4e49\u4e3a\uff1a(1)\u63a5\u53d7\u5b58\u6b3e\u6216\u5206\u671f\u50a8\u84c4\uff0c\u4ee5\u53ca\u8d37\u6b3e\u6216\u7968\u636e\u8d34\u73b0\uff1b\u6216(2) \u5f00\u5c55\u8d44\u91d1\u8f6c\u8d26\u4ea4\u6613\uff0c\u89c4\u5b9a\u987b\u4ece\u9996\u76f8\u5904\u83b7\u5f97\u4ece\u4e8b\u94f6\u884c\u4e1a\u52a1\u7684\u724c\u7167\u3002\u8fd9\u610f\u5473\u7740\uff0c\u4f5c\u4e3a\u6570\u5b57\u94f6\u884c\u63d0\u4f9b\u94f6\u884c\u670d\u52a1\u4e4b\u524d\uff0c\u987b\u83b7\u5f97\u9996\u76f8\u9881\u53d1\u7684\u724c\u7167\u3002<\/p>\n<p style=\"text-align: justify;\"><strong>\u300a\u94f6\u884c\u6cd5\u300b\u89c4\u5b9a\u4e86\u7533\u8bf7\u94f6\u884c\u724c\u7167\u7684\u4e24\u9879\u5ba1\u67e5\u6807\u51c6\uff1a<\/strong><\/p>\n<p style=\"text-align: justify; padding-left: 20px;\">(1) \u7533\u8bf7\u4eba\u987b\u6709\u8db3\u591f\u7684\u91d1\u878d\u8d44\u6e90\uff0c\u4ee5\u7a33\u5065\u3001\u6709\u6548\u5730\u5f00\u5c55\u94f6\u884c\u670d\u52a1\uff0c\u540c\u65f6\u5c31\u94f6\u884c\u670d\u52a1\u5177\u5907\u826f\u597d\u7684\u6536\u5165\u548c\u652f\u51fa\u524d\u666f\uff1b<\/p>\n<p style=\"text-align: justify; padding-left: 20px;\">(2) \u5173\u4e8e\u4eba\u5458\uff0c\u7533\u8bf7\u4eba\u987b\u5177\u5907\u9002\u5f53\u3001\u516c\u5e73\u3001\u9ad8\u6548\u5730\u5f00\u5c55\u94f6\u884c\u670d\u52a1\u7684\u77e5\u8bc6\u548c\u7ecf\u9a8c\uff0c\u4e14\u5177\u6709\u8db3\u591f\u7684\u793e\u4f1a\u4fe1\u8a89\u3002<\/p>\n<p style=\"text-align: justify;\">\u6b64\u5916\uff0c\u300a\u94f6\u884c\u6cd5\u300b\u548c\u300a\u94f6\u884c\u6cd5\u65bd\u884c\u4ee4\u300b\u8981\u6c42\u94f6\u884c\u7684\u6838\u51c6\u8d44\u672c\u81f3\u5c11\u4e3a20\u4ebf\u65e5\u5143(1,340\u4e07\u7f8e\u5143)\u3002<\/p>\n<p style=\"text-align: justify;\">\u6ce8\uff1a\u6807\u51c6(2) 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style=\"text-align: justify;\"><strong>\u8be5\u6307\u5357\u6307\u51fa\uff0c\u724c\u7167\u5ba1\u67e5\u8fc7\u7a0b\u9700\u8981\u5ba1\u6838\u7684\u4e8b\u9879\u5305\u62ec\uff1a<\/strong><\/h3>\n<ol>\n<li style=\"text-align: justify;\">\u94f6\u884c\u662f\u5426\u5efa\u7acb\u4e86\u5b8c\u5584\u7684\u5236\u5ea6\uff0c\u5373\u4f7f\u65e0\u7ebf\u4e0b\u7f51\u70b9\uff0c\u4e5f\u80fd\u591f\u59a5\u5584\u5904\u7406\u5ba2\u6237\u7684\u6295\u8bc9\u548c\u54a8\u8be2\uff1b\u5728\u7cfb\u7edf\u5173\u95ed\u540e\u5bf9\u5ba2\u6237\u4f5c\u51fa\u54cd\u5e94\uff1b\u6839\u636e\u6cd5\u5f8b\u6cd5\u89c4\u5c65\u884c\u5bf9\u5ba2\u6237\u7684\u8d23\u4efb\uff1b\u505a\u51fa\u62ab\u9732\uff1b\u5c65\u884c\u4ea4\u6613\u65f6\u68c0\u67e5\u3001\u62a5\u544a\u53ef\u7591\u4ea4\u6613\u7684\u804c\u8d23\uff0c\u6253\u51fb\u5305\u62ec\u6d17\u94b1\u5728\u5185\u7684\u6709\u7ec4\u7ec7\u72af\u7f6a\uff1b<\/li>\n<li style=\"text-align: justify;\">\u5173\u4e8e\u9884\u671f\u6536\u5165\u548c\u652f\u51fa\uff0c\u94f6\u884c\u662f\u5426\u6709\u660e\u786e\u7684\u5e94\u6025\u8ba1\u5212\uff0c\u4ee5\u5e94\u5bf9\u65e5\u76ca\u6076\u5316\u7684\u5546\u4e1a\u73af\u5883\uff0c\u5982\u7ade\u4e89\u5bf9\u624b\u8fdb\u5165\u6216\u7cfb\u7edf\u8fc7\u65f6\uff0c\u4ee5\u53ca\u8be5\u8ba1\u5212\u662f\u5426\u9884\u671f\u5b58\u5728\u4e00\u5b9a\u6c34\u5e73\u7684\u6536\u76ca\uff1b<\/li>\n<li style=\"text-align: justify;\">\u8003\u8651\u5230\u5bf9\u5229\u7387\u6216\u4efb\u4f55\u5176\u4ed6\u6761\u4ef6\u654f\u611f\u7684\u5ba2\u6237\u7fa4\u4f53\uff0c\u4ee5\u53ca\u5bb9\u6613\u53d6\u6d88\u548c\u53d8\u66f4\u7684\u4ea4\u6613\uff0c\u5982\u9762\u4e34\u5927\u89c4\u6a21\u5ba2\u6237\u6682\u65f6\u6d41\u5931\uff0c\u94f6\u884c\u662f\u5426\u6709\u53ef\u9760\u7684\u63aa\u65bd\u6765\u786e\u4fdd\u6d41\u52a8\u6027\uff1b\u53ca<\/li>\n<li style=\"text-align: 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justify;\">\u8be5\u6307\u5bfc\u65b9\u9488\u8fd8\u8981\u6c42\u94f6\u884c\u7ed3\u5408\u591a\u79cd\u6709\u6548\u63aa\u65bd\uff0c\u800c\u975e\u4ec5\u4e34\u65f6\u91c7\u53d6\u4e2a\u522b\u63aa\u65bd\u3002\u4e00\u65e6\u5145\u5206\u8ba4\u8bc6\u5230\u98ce\u9669\u540e\uff0c\u5373\u786e\u5b9a\u6709\u5fc5\u8981\u8fc5\u901f\u91c7\u53d6\u884c\u52a8\u548c\u5b9e\u65bd\u76f8\u5173\u63aa\u65bd\uff0c\u5e76\u5f00\u53d1\u53ef\u4ee5\u9488\u5bf9\u5404\u79cd\u72af\u7f6a\u51c6\u5907\u53ef\u9760\u5b89\u5168\u65b9\u6848\u7684\u63a7\u5236\u73af\u5883\uff0c\u4e14\u8be5\u73af\u5883\u53ef\u6839\u636e\u9700\u8981\u8fdb\u884c\u4fee\u8ba2\uff0c\u4ece\u800c\u8fbe\u5230\u6539\u5584\u6574\u4f53\u5b89\u5168\u6027\u7684\u76ee\u6807\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #32849b;\"><strong>\u91d1\u878d\u79d1\u6280\u548c\u7a33\u5b9a\u5e01<\/strong><\/span><\/h2>\n<figure id=\"attachment_478367\" aria-describedby=\"caption-attachment-478367\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478368\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Shun-Komiya.jpg\" alt=\"Shun Komiya\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478367\" class=\"wp-caption-text\"><strong>Shun Komiya<\/strong><br \/>\u5f8b\u5e08<br \/>\u4e1c\u4eacChuo Sogo Law Office<br \/>\u7535\u8bdd\uff1a+81 3 3539 1877<br \/>\u7535\u5b50\u90ae\u4ef6\uff1a <a href=\"mailto:komiya_s@clo.gr.jp\">komiya_s@clo.gr.jp<\/a><\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><strong>(1) 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style=\"text-align: justify;\"><strong>(2) \u7a33\u5b9a\u5e01<\/strong>\u3002\u65e5\u672c2017\u5e74\u9881\u5e03\u4fee\u8ba2\u540e\u7684\u300a\u652f\u4ed8\u670d\u52a1\u6cd5\u300b\uff0c\u51fa\u53f0\u4e86\u9488\u5bf9\u52a0\u5bc6\u8d44\u4ea7\u4ea4\u6362\u670d\u52a1\u7684\u767b\u8bb0\u5236\u5ea6\u3002\u7136\u800c\uff0c\u9488\u5bf9\u968f\u540e\u63a8\u51fa\u7684\u7a33\u5b9a\u5e01\uff0c\u5168\u7403\u76d1\u7ba1\u5904\u7406\u5c1a\u4e0d\u660e\u786e\u3002\u56e0\u6b64\u65e5\u672c\u7387\u5148\u63a8\u51fa\u4e86\u7a33\u5b9a\u5e01\u76d1\u7ba1\uff0c\u660e\u786e\u4e86\u5176\u5728\u91d1\u878d\u76d1\u7ba1\u4e2d\u7684\u5730\u4f4d\u3002\u8fd9\u4e9b\u89c4\u5b9a\u9884\u8ba1\u4e0d\u4ec5\u6709\u52a9\u4e8e\u52a0\u5f3a\u65e5\u672c\u5bf9\u7528\u6237\u7684\u4fdd\u62a4\u72b6\u51b5\uff0c\u8fd8\u5c06\u4fc3\u8fdb\u501f\u52a9\u533a\u5757\u94fe\u7684\u521b\u65b0\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<p style=\"text-align: justify;\">\u622a\u81f32024\u5e743\u670818\u65e5\uff0c\u5c1a\u65e0\u767b\u8bb0\u7535\u5b50\u652f\u4ed8\u5de5\u5177\u4e1a\u52a1\u4ee5\u8fdb\u884c\u7535\u5b50\u652f\u4ed8\u5de5\u5177(\u7a33\u5b9a\u5e01)\u4e70\u5356\u7684\u4f01\u4e1a\u3002\u4f46\u4e00\u4e9b\u4f01\u4e1a\u9884\u8ba1\u5c06\u57282024\u5e74\u5e95\u524d\u83b7\u5f97\u724c\u7167\u5e76\u5f00\u59cb\u5728\u65e5\u672c\u5206\u9500\u7a33\u5b9a\u5e01\u3002<\/p>\n<p style=\"text-align: justify;\"><strong>(3)\u91d1\u878d\u670d\u52a1\u4e2d\u4ecb\u4e1a\u52a1<\/strong>\u30022021\u5e74\u9881\u5e03\u7684\u300a\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u6cd5\u300b\u5efa\u7acb\u4e86\u4e00\u9879\u65b0\u7684\u91d1\u878d\u670d\u52a1\u4e2d\u4ecb\u4e1a\u52a1\uff0c\u53ea\u9700\u8981\u529e\u74061\u9879\u767b\u8bb0\uff0c\u5373\u53ef\u7ecf\u8425\u5305\u62ec\u94f6\u884c\u3001\u8bc1\u5238\u3001\u4fdd\u9669\u548c\u8d37\u6b3e\u9886\u57df\u7684\u4e2d\u4ecb\u4e1a\u52a1\u3002<\/p>\n<p style=\"text-align: justify;\">\u8be5\u8bb8\u53ef\u8bc1\u4e3b\u8981\u7528\u4e8e\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5f00\u53d1\u4e1a\u52a1\uff0c\u4f7f\u7528\u6237\u80fd\u591f\u901a\u8fc7\u5355\u4e2a\u5e94\u7528\u4e00\u7ad9\u5f0f\u8bbf\u95ee\u5404\u79cd\u91d1\u878d\u670d\u52a1\uff0c\u8fd8\u53ef\u4ee5\u5e2e\u52a9\u975e\u91d1\u878d\u4f01\u4e1a\u8fdb\u5165\u91d1\u878d\u4e1a\u52a1\u9886\u57df\u3002<\/p>\n<section class=\"format-info\">\n<p style=\"text-align: justify;\"><strong><img class=\"aligncenter wp-image-478338\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1024x221.jpg\" alt=\"\" width=\"500\" height=\"108\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1024x221.jpg 1024w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-300x65.jpg 300w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-768x166.jpg 768w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1536x332.jpg 1536w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-696x150.jpg 696w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1068x231.jpg 1068w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1945x420.jpg 1945w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo.jpg 2028w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>CHUO SOGO LAW OFFICE<\/strong><br \/>\nHibiya Kokusai Building 18th floor,<br \/>\n2-2-3 Uchisaiwai-cho,<br \/>\nChiyoda-ku, Tokyo 1000011, Japan<br \/>\n\u7535\u8bdd\uff1a+81 3 3539 1877<br \/>\n\u7535\u5b50\u90ae\u4ef6\u5730\u5740\uff1a<a href=\"mailto:info@clo.gr.jp\">info@clo.gr.jp<\/a><br \/>\n<a href=\"https:\/\/www.clo.jp\/english\/\">www.clo.jp\/english<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\u65e5\u672c \u97e9\u56fd \u65e5\u672c\u9996\u5bb6\u5b8c\u5168\u901a\u8fc7\u4e92\u8054\u7f51\u5f00\u5c55\u4e1a\u52a1\u7684\u94f6\u884c\u4e8e2000\u5e7410\u6708\u5f00\u4e1a\u3002\u5f53\u65f6\uff0c\u5176\u901a\u5e38\u88ab\u79f0\u4e3a\u201c\u4e92\u8054\u7f51\u94f6\u884c\u201d\u3002\u968f\u540e<\/p>\n","protected":false},"author":7425,"featured_media":478425,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","meta-author":"Katsuya Hongyo \u548c Shun Komiya\uff0c\u4e1c\u4eacChuo Sogo Law Office"},"categories":[127116],"tags":[166040,144249,144248,144240,144241,116374,144247,144245,144246,5510,1148,144242,144244,144243],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v17.8) - 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