{"id":4605,"date":"2024-01-25T09:00:49","date_gmt":"2024-01-25T02:00:49","guid":{"rendered":"https:\/\/easylink.id\/?p=4605"},"modified":"2025-02-20T10:48:28","modified_gmt":"2025-02-20T03:48:28","slug":"open-banking","status":"publish","type":"post","link":"https:\/\/easylink.id\/zh\/open-banking\/","title":{"rendered":"\u5f00\u653e\u94f6\u884c\uff1a\u5b9a\u4e49\u3001\u597d\u5904\u3001\u793a\u4f8b\u53ca\u98ce\u9669"},"content":{"rendered":"<p>\u5f00\u653e\u94f6\u884c\u662f\u94f6\u884c\u4e1a\u7684\u6700\u65b0\u521b\u65b0\uff0c\u5b83\u53ef\u4ee5\u7b80\u5316\u3001\u52a0\u901f\u3001\u6574\u5408\u91d1\u878d\u670d\u52a1\u5e76\u4f7f\u4e4b\u66f4\u52a0\u5b9e\u7528\u3002\u56e0\u6b64\uff0c\u8bb8\u591a\u4eba\u5bf9\u8fd9\u9879\u94f6\u884c\u670d\u52a1\u611f\u5174\u8da3\u4e5f\u5c31\u4e0d\u8db3\u4e3a\u5947\u4e86\u3002<\/p>\n<p>\u90a3\u4e48\uff0c\u5f00\u653e\u94f6\u884c\u5230\u5e95\u662f\u4ec0\u4e48\uff1f\u5b83\u80fd\u5e26\u6765\u54ea\u4e9b\u597d\u5904\uff1f\u6b64\u5916\uff0c\u76ee\u524d\u6709\u54ea\u4e9b\u5f00\u653e\u94f6\u884c\u670d\u52a1\uff1f\u5370\u5ea6\u5c3c\u897f\u4e9a\u5f00\u653e\u94f6\u884c\u9762\u4e34\u54ea\u4e9b\u6311\u6218\uff1f\u672a\u6765\u524d\u666f\u5982\u4f55\uff1f\u4e3a\u4e86\u56de\u7b54\u8fd9\u4e9b\u95ee\u9898\uff0c\u4e0b\u9762\u5c06\u4e3a\u60a8\u89e3\u91ca\uff01<\/p>\n<h2><b>\u4ec0\u4e48\u662f\u5f00\u653e\u94f6\u884c\uff1f<\/b><\/h2>\n<p>\u5f00\u653e\u94f6\u884c\u662f\u4e00\u79cd\u670d\u52a1\uff0c\u5141\u8bb8\u60a8\u4e0e\u94f6\u884c\u3001\u670d\u52a1\u548c\u7b2c\u4e09\u65b9\u91d1\u878d\u5e94\u7528\u7a0b\u5e8f\u5b89\u5168\u5730\u5171\u4eab\u60a8\u7684\u94f6\u884c\u548c\u91d1\u878d\u6570\u636e\u3002<\/p>\n<p><span style=\"font-weight: 400;\">\u901a\u8fc7\u6388\u4e88\u660e\u786e\u8bb8\u53ef\uff0c\u60a8\u7684 <a href=\"https:\/\/easylink.id\/zh\/definition-of-bank\/\">\u94f6\u884c<\/a> \u53ef\u4ee5\u5411\u5b98\u65b9\u63d0\u4f9b\u5546\uff08\u5982\u9884\u7b97\u5e94\u7528\u7a0b\u5e8f\u6216\u73b0\u91d1\u6d41\u7ba1\u7406\u5de5\u5177\uff09\u63d0\u4f9b\u8d26\u6237\u8be6\u7ec6\u4fe1\u606f\u3001\u50a8\u84c4\u62a5\u544a\u548c\u5b9a\u671f\u4ed8\u6b3e\u7b49\u4fe1\u606f\u3002\u8fd9\u662f\u81ea 2018 \u5e74\u4ee5\u6765\u5b9e\u65bd\u7684\u76d1\u7ba1\u6539\u9769\u7684\u4e00\u90e8\u5206\uff0c\u65e8\u5728\u4fdd\u62a4\u6d88\u8d39\u8005\u3002<\/span><\/p>\n<p>\u5f00\u653e\u94f6\u884c\u672c\u8eab\u7684\u76ee\u6807\u662f\u4fc3\u8fdb\u91d1\u878d\u670d\u52a1\u521b\u65b0\uff0c\u4f7f\u4ea7\u54c1\u548c\u5e94\u7528\u7a0b\u5e8f\u80fd\u591f\u8fde\u63a5\u5e76\u4e3a\u6d88\u8d39\u8005\u63d0\u4f9b\u66f4\u597d\u7684\u4f53\u9a8c\u3002<\/p>\n<h2><b>\u5f00\u653e\u94f6\u884c\u7684\u597d\u5904<\/b><\/h2>\n<p>\u5f00\u653e\u94f6\u884c\u4e3a\u6d88\u8d39\u8005\u3001\u94f6\u884c\u548c\u5408\u4f5c\u4f19\u4f34\u5e26\u6765\u4e86\u8bf8\u591a\u597d\u5904\u3002\u4ee5\u4e0b\u662f\u5404\u7fa4\u4f53\u7684\u76ca\u5904\uff1a<\/p>\n<h3><b>\u5f00\u653e\u94f6\u884c\u5bf9\u6d88\u8d39\u8005\u7684\u597d\u5904<\/b><\/h3>\n<h4><b>\u521b\u65b0\u91d1\u878d\u670d\u52a1<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u8ba9\u6d88\u8d39\u8005\u80fd\u591f\u66f4\u8f7b\u677e\u3001\u66f4\u5b9e\u9645\u5730\u8bbf\u95ee\u548c\u7ba1\u7406\u81ea\u5df1\u7684\u8d22\u52a1\u3002\u6d88\u8d39\u8005\u53ef\u4ee5\u4f7f\u7528\u6765\u81ea\u4e0d\u540c\u63d0\u4f9b\u5546\u7684\u5404\u79cd\u91d1\u878d\u5e94\u7528\u7a0b\u5e8f\u6216\u670d\u52a1\uff0c\u800c\u65e0\u9700\u5f00\u8bbe\u65b0\u8d26\u6237\u3002\u8fd9\u4e3a\u91d1\u878d\u670d\u52a1\u7684\u65b0\u521b\u65b0\u5f00\u8f9f\u4e86\u673a\u4f1a\uff0c\u4f8b\u5982\u6839\u636e\u6d88\u8d39\u8005\u9700\u6c42\u91cf\u8eab\u5b9a\u5236\u7684\u4e2a\u6027\u5316\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<blockquote><p><strong>\u4e5f\u9605\u8bfb\uff1a <a href=\"https:\/\/easylink.id\/zh\/kyc-know-your-customer\/\">\u4ec0\u4e48\u662f KYC\uff1f\u597d\u5904\u3001\u76ee\u7684\u548c\u8fd0\u4f5c\u65b9\u5f0f<\/a><\/strong><\/p><\/blockquote>\n<h4><b>\u66f4\u5b89\u5168\u3001\u66f4\u4fbf\u6377\u3001\u66f4\u5b9e\u7528\u7684\u4ea4\u6613<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u91c7\u7528\u4e25\u683c\u7684\u5b89\u5168\u6807\u51c6\u6765\u4fdd\u62a4\u6d88\u8d39\u8005\u6570\u636e\u3002\u8fd9\u4f7f\u5f97\u91d1\u878d\u4ea4\u6613\u66f4\u52a0\u5b89\u5168\u53ef\u9760\u3002\u6b64\u5916\uff0c\u5f00\u653e\u94f6\u884c\u4f7f\u6d88\u8d39\u8005\u80fd\u591f\u968f\u65f6\u968f\u5730\u8fdb\u884c\u4ea4\u6613\uff0c\u53ea\u8981\u4ed6\u4eec\u80fd\u4e0a\u7f51\u5373\u53ef\u3002<\/p>\n<h4><b>\u968f\u65f6\u968f\u5730\u8bbf\u95ee<\/b><\/h4>\n<p>\u5982\u524d\u6240\u8ff0\uff0c\u5f00\u653e\u94f6\u884c\u5141\u8bb8\u6d88\u8d39\u8005\u968f\u65f6\u968f\u5730\u8fdb\u884c\u4ea4\u6613\u3002\u8fd9\u4f7f\u5f97\u4ed6\u4eec\u5373\u4f7f\u5728\u65c5\u884c\u6216\u51fa\u95e8\u5728\u5916\u65f6\u4e5f\u80fd\u66f4\u8f7b\u677e\u5730\u7ba1\u7406\u8d22\u52a1\u3002<\/p>\n<h3><b>\u5f00\u653e\u94f6\u884c\u5bf9\u94f6\u884c\u7684\u597d\u5904<\/b><\/h3>\n<h4><b>\u4ea4\u6613\u91cf\u589e\u52a0<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u53ef\u4ee5\u589e\u52a0\u6d88\u8d39\u8005\u7684\u4ea4\u6613\u6570\u91cf\u3002\u8fd9\u662f\u56e0\u4e3a\u6d88\u8d39\u8005\u53ef\u4ee5\u4f7f\u7528\u5404\u79cd\u91d1\u878d\u5e94\u7528\u7a0b\u5e8f\u6216\u670d\u52a1\u6765\u8fdb\u884c\u4ea4\u6613\u3002<\/p>\n<h4><b>\u5438\u5f15\u65b0\u5ba2\u6237<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u53ef\u4ee5\u5438\u5f15\u65b0\u5ba2\u6237\uff0c\u6d88\u8d39\u8005\u53ef\u4ee5\u4f53\u9a8c\u5230\u66f4\u52a0\u521b\u65b0\u3001\u5b89\u5168\u3001\u5b9e\u7528\u7684\u91d1\u878d\u670d\u52a1\u65b0\u65b9\u5f0f\u3002<\/p>\n<blockquote><p><strong>\u4e5f\u9605\u8bfb\uff1a <a href=\"https:\/\/easylink.id\/zh\/mobile-banking\/\">\u624b\u673a\u94f6\u884c\uff1a\u5b9a\u4e49\u3001\u7279\u70b9\u548c\u8fd0\u4f5c\u65b9\u5f0f<\/a><\/strong><\/p><\/blockquote>\n<h4><b>\u591a\u5143\u5316\u94f6\u884c\u4ea7\u54c1<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u53ef\u4ee5\u9f13\u52b1\u94f6\u884c\u5f00\u53d1\u66f4\u52a0\u591a\u6837\u5316\u548c\u521b\u65b0\u7684\u94f6\u884c\u4ea7\u54c1\uff0c\u4ee5\u6ee1\u8db3\u6d88\u8d39\u8005\u65e5\u76ca\u591a\u6837\u5316\u7684\u9700\u6c42\u3002<\/p>\n<h4><b>\u63d0\u9ad8\u5ba2\u6237\u6ee1\u610f\u5ea6<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u4e1a\u52a1\u53ef\u4ee5\u901a\u8fc7\u63d0\u4f9b\u4e00\u7cfb\u5217\u5438\u5f15\u5ba2\u6237\u7684\u9644\u52a0\u529f\u80fd\u548c\u670d\u52a1\u6765\u8ba9\u5ba2\u6237\u6ee1\u610f\u3002<\/p>\n<h4><b>\u542f\u7528 <\/b><b><i>\u94f6\u884c\u5373\u670d\u52a1 <\/i><\/b><b>\uff08\u533a\u5757\u94fe\u5373\u670d\u52a1\uff09<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u53ef\u4ee5\u4e3a\u94f6\u884c\u5373\u670d\u52a1\uff08BaaS\uff09\u7684\u53d1\u5c55\u5960\u5b9a\u57fa\u7840\u3002BaaS \u4f7f\u7b2c\u4e09\u65b9\uff08\u4f8b\u5982\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff09\u80fd\u591f\u5229\u7528\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\u548c\u670d\u52a1\u6765\u5f00\u53d1\u81ea\u5df1\u7684\u91d1\u878d\u4ea7\u54c1\u548c\u670d\u52a1\u3002<\/p>\n<h3><b>\u5f00\u653e\u94f6\u884c\u5bf9\u5408\u4f5c\u4f19\u4f34\u7684\u597d\u5904<\/b><\/h3>\n<h4><b>\u591a\u79cd\u652f\u4ed8\u7cfb\u7edf<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u5141\u8bb8\u5408\u4f5c\u4f19\u4f34\u63a5\u5165\u591a\u79cd\u652f\u4ed8\u7cfb\u7edf\uff0c\u8ba9\u5408\u4f5c\u4f19\u4f34\u80fd\u591f\u66f4\u8f7b\u677e\u5730\u4e3a\u6d88\u8d39\u8005\u63d0\u4f9b\u66f4\u52a0\u591a\u6837\u5316\u548c\u521b\u65b0\u7684\u652f\u4ed8\u670d\u52a1\u3002<\/p>\n<h4><b>\u83b7\u53d6\u5927\u6570\u636e\u8fdb\u884c\u5e02\u573a\u5206\u6790<\/b><\/h4>\n<p><i><span style=\"font-weight: 400;\">\u5f00\u653e\u94f6\u884c<\/span><\/i><span style=\"font-weight: 400;\"> \u4f7f\u5408\u4f5c\u4f19\u4f34\u80fd\u591f\u83b7\u53d6\u91d1\u878d\u9886\u57df\u7684\u5927\u6570\u636e\u3002\u5408\u4f5c\u4f19\u4f34\u53ef\u4ee5\u5229\u7528\u8fd9\u4e9b\u6570\u636e\u6765\u5206\u6790\u5e02\u573a\u5e76\u5236\u5b9a\u66f4\u6709\u6548\u7684\u4e1a\u52a1\u6218\u7565\u3002<\/span><\/p>\n<h4><b>\u9ad8\u5b89\u5168\u6807\u51c6<\/b><\/h4>\n<p>\u5f00\u653e\u94f6\u884c\u91c7\u7528\u4e25\u683c\u7684\u5b89\u5168\u6807\u51c6\u6765\u4fdd\u62a4\u6d88\u8d39\u8005\u6570\u636e\u3002\u8fd9\u8ba9\u5408\u4f5c\u4f19\u4f34\u5728\u4f7f\u7528\u6d88\u8d39\u8005\u6570\u636e\u5f00\u53d1\u81ea\u5df1\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u65f6\u611f\u5230\u5b89\u5fc3\u3002<\/p>\n<p>\u603b\u4f53\u800c\u8a00\uff0c\u5f00\u653e\u94f6\u884c\u53ef\u4ee5\u901a\u8fc7\u63d0\u9ad8\u91d1\u878d\u670d\u52a1\u7684\u521b\u65b0\u6027\u3001\u5b89\u5168\u6027\u548c\u4fbf\u5229\u6027\uff0c\u4f7f\u6d88\u8d39\u8005\u3001\u94f6\u884c\u548c\u5408\u4f5c\u4f19\u4f34\u7b49\u6240\u6709\u76f8\u5173\u65b9\u53d7\u76ca\u3002<\/p>\n<blockquote><p><strong>Baca\u00a0 Juga: <a href=\"https:\/\/easylink.id\/zh\/bank-sort-code\/\">\u94f6\u884c\u5206\u7c7b\u4ee3\u7801\uff1a\u5b9a\u4e49\u3001\u529f\u80fd\u53ca\u67e5\u627e\u65b9\u6cd5<\/a><\/strong><\/p><\/blockquote>\n<h2><b>\u5f00\u653e\u94f6\u884c\u670d\u52a1\u793a\u4f8b<\/b><\/h2>\n<p>\u5370\u5ea6\u5c3c\u897f\u4e9a\u5df2\u7ecf\u51fa\u73b0\u4e86\u591a\u9879\u5f00\u653e\u94f6\u884c\u670d\u52a1\uff0c\u800c\u4e14\u8fd9\u79cd\u8d8b\u52bf\u53ef\u80fd\u4f1a\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u7ee7\u7eed\u589e\u957f\u3002\u5370\u5ea6\u5c3c\u897f\u4e9a\u5f00\u653e\u94f6\u884c\u7684\u4e00\u4e9b\u4f8b\u5b50\u5305\u62ec\u51e0\u4e2a\u7535\u5b50\u5546\u52a1\u5e73\u53f0\uff0c\u4f8b\u5982 Tokopedia \u548c Shopee\uff0c\u5b83\u4eec\u63d0\u4f9b\u81ea\u52a8\u8d26\u5355\u652f\u4ed8\u670d\u52a1\u3002<\/p>\n<p>\u8fd9\u4e9b\u670d\u52a1\u5141\u8bb8\u6d88\u8d39\u8005\u901a\u8fc7\u5c06\u94f6\u884c\u8d26\u6237\u4e0e\u8d26\u5355\u63d0\u4f9b\u5546\u670d\u52a1\u5173\u8054\uff0c\u8bbe\u7f6e\u7535\u8d39\u200b\u200b\u3001\u6c34\u8d39\u3001\u7f51\u7edc\u8d39\u548c\u5176\u4ed6\u8d26\u5355\u7684\u81ea\u52a8\u652f\u4ed8\u3002\u8fd9\u4e3a\u6d88\u8d39\u8005\u5e26\u6765\u4e86\u4fbf\u5229\uff0c\u5e76\u6709\u52a9\u4e8e\u907f\u514d\u5ef6\u8fdf\u4ed8\u6b3e\u7684\u98ce\u9669\u3002<\/p>\n<p>\u6b64\u5916\uff0cBCA\u3001Mandiri \u548c BRI 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