????:1???????:????????????

2????????

3??????q?

4?????9598?

5???????

??????????????????

?????????????(???????????????????)

???????????,???????????,????,?????????????????????Z/Yen????????????????(????)?“??????????????????”??,??,???????????,?????,????????????5????????????,???

????????????,????????,????????????????,????????,??

?????????

????????10??????,????????????????????????????????,????????????,????????????,????

??????????????????,8????,???????“?????????????????????????,???,????????????????”??

???????????????????????7??«2023??»????????????,2023??,?????????2.1%???31.2????????????;????342%???????????????????3890?????“?????????????????,?????????????,???,???????????????????”????

“??,?????????”?????????????????,????,?????,???????,???????????????1?,???????

“???”??,?????????,????,???????,?????

“??????????????????,????????????,????,???????,???????????,????????,??????”??????????????????????

???????????????

???????????????????????????????,??????APP,???5?????????????????????????????????,???????????“???”(???????????????????“?????????????????”)????????????????????????????,?????????????2019???????????????8???????????????????????,????????????????????220?????????,?8.8%?

???????,???????????????????,????????????????2013???,????10????,????????2???????????????1100??????????????????????????6500?????????????????,????????????????????700???????????

“????????????????????,????????????????????????”????CEO???????,??,??????????????????????????,?????????????????????????????????????,????,??

“?????????,????????,??????????????????,????????????,??”????????????????????????

??????????????,??“??????????????”?????????8?????«????????»??????????????,????,??????????????????????????????????2023?????12?????????,????????????18?????

???????????,???????????1000????????????????????,???????????????????????????????????????????????????????????????????????????????????????10????,???2024?????“???????”??,????????????????????????????????????????????

“???????????????????????,???????,???”???????????????,?????????,?????????????“??”??????,?????,???

??????????????

10??????????16?,??????????,?9?????50????????????????,????????????2022??,3????130???????????????,???????????12??????????,????????????

“???????????????,?,?????,???????????????????????????”???????

?????????????????????,???????????????????????(SWIFT)??????????????,2024??????8???????????,???????????4.69%,?????????????10??;????5.95%,?????

“????,???”????,????????,?,????,???????????????,????SWIFT2024???????????????????6???????????,??????83%????????????????????,?????????

2024????9?,????(?????“????”)?????????,?????????????????“??”?????????,???????????????????????????????????,???????????????????????,????????????

“???????,?????????”??????????????,????,????????????,??????

?????????????????????????,????????????????????,??????????,???????????????????????2024??????????????????,“????”,??????????????????“?”???????????????????????????????????

“?????,???????????”?????,???????????????“???????????????”??????????????????,???????,?????????(???????????????? ????????? ????????) ??????????????????:???????????????