1、 Building a FinTech Ecosystem for the Recovery of the MSME Sector APEC Small and Medium Enterprises Working Group September 2024 Building a FinTech Ecosystem for the Recovery of the MSME Sector APEC Small and Medium Enterprises Working Group September 2024 APEC Project:SME 08 2022A Produced by Washi

2、ngton CORE,L.L.C.4500 East-West Highway,Suite 730,Bethesda,Maryland 20814 United States James Tetlow,Megumi Aikawa and Riku Kawakami Tel:(1)301 654 2915 ext.111 Fax:(1)301 654 4054 Email: Website: Submitted by Javier Armando Chappell Quintana Ministry of Production 60 Uno Oeste Street Corpac Urbaniz

3、ation,Lima 15036 Peru 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.org 2024 APEC Secretariat APEC#224-SM-01.3 Acknowledgment The views expressed and the conclusions reached are thos

4、e of the author and not necessarily the consensus view of APEC member economies or of the individual economies addressed.Table of Contents 1 Executive Summary.4 2 Introduction.4 3 MSMEs Access to Credit in the APEC Region.5 3.1 Overview.5 3.2 Barriers to access.6 3.3 Role of FinTech.6 4 Regulatory F

5、ramework of FinTech Services in the APEC Region.7 4.1 Coordination Mechanisms for FinTech Oversight.7 4.1.1 Domestic FinTech strategies.7 4.1.2 Coordination of Government FinTech Responses.7 4.2 Regulatory Approaches.7 4.2.1 Establishment of FinTech Legislation.8 4.2.2 Retrofitting existing regulato

6、ry frameworks and policies.8 4.2.3 Regulating specific FinTech segments.8 4.2.4 Experimental(Test and Learn)Policies.9 5 Case Studies.11 5.1 Australia.11 5.1.1 Environment for MSMEs Access to Credit.11 5.1.2 Environment for Credit FinTech Services.11 5.1.3 Policies and Regulations for the FinTech In