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

????:??????:?????

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

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

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

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