국내 카드사의 동남아 시장 진출 현황 연구: 캄보디아와 베트남을 중심으로

Abstract

This paper examines the current status of economic and financial industry in Cambodia and Vietnam among Southeast Asia, and examines the current status of regulation and activities of financial supervisory institutions. Looking at the major trade status between Korea and Cambodia, the trade balance has declined since 2013, and trade volume has been on the rise. Among Cambodia's major economic indicators, the population of Cambodia continues to grow from 15.31 million in 2014 to 16.74 million in 2020. Real economic growth is expected to grow 6.7 percent in 2020 after hitting 7.4 percent in 2014, while inflation remains in the mid to late 2 percent range until 2019 after hitting a 1 percent inflation level in 2015. The amount of exports and imports has been steadily increasing since 2014 until 2018. In the employment sector, the employment ratio by industry is constantly changing due to continuous economic development, rapid urbanization, and the emergence of companies and personnel who have developed new products and new technologies. Looking at the financial market status, the financial system is also developing based on economic growth. Looking at Vietnam's key economic indicators, the population of Vietnam continues to grow from 91.68 million in 2015 to 96.41 million in 2020. The economic growth rate reached 7.1 percent in 2018, hovering above the government's target of 6.5 percent to 6.7 percent, and is expected to rise 6.5 percent on-year in 2020. The virtual winning rate has remained in the upper 2 percent range until 2020 after hitting a zero percent inflation level in 2015. And while the trade balance showed an upward trend after posting a deficit of $3553 million in 2015, it is expected to post deficits again in 2019 and 2020.