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	<title>金融与银行 Archives - អរគុណសន្តិភាព</title>
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		<title>柬日签署280万美元无偿援助协议，支持人力资源开发奖学金项目</title>
		<link>https://orkunsantepheap.com/zh/cambodia-japan-jds-scholarship-agreement-2026-3/</link>
					<comments>https://orkunsantepheap.com/zh/cambodia-japan-jds-scholarship-agreement-2026-3/#respond</comments>
		
		<dc:creator><![CDATA[Sok Sabay]]></dc:creator>
		<pubDate>Fri, 10 Jul 2026 04:14:08 +0000</pubDate>
				<category><![CDATA[金融与银行]]></category>
		<category><![CDATA[柬埔寨日本 JDS奖学金]]></category>
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					<description><![CDATA[<p>金边： 柬埔寨与日本近日签署了一项价值约280万美元（约4.16亿日元）的无偿援助协议，旨在支持“人力资源开发 [&#8230;]</p>
<p>The post <a href="https://orkunsantepheap.com/zh/cambodia-japan-jds-scholarship-agreement-2026-3/">柬日签署280万美元无偿援助协议，支持人力资源开发奖学金项目</a> appeared first on <a href="https://orkunsantepheap.com/zh">អរគុណសន្តិភាព</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph"><strong>金边：</strong> 柬埔寨与日本近日签署了一项价值约280万美元（约4.16亿日元）的无偿援助协议，旨在支持“人力资源开发奖学金项目”（JDS）。</p>



<p class="wp-block-paragraph"><strong>核心要点：</strong></p>



<ul class="wp-block-list">
<li><strong>签字仪式：</strong> 柬埔寨副首相兼外交与国际合作部部长巴速坤与日本驻柬埔寨大使上野笃志共同出席并签署了相关文件。</li>



<li><strong>人才培养：</strong> 该项目将为柬埔寨年轻政府官员提供前往日本顶尖学府深造的机会，致力于培养高素质人才，助力国家人力资源发展。</li>



<li><strong>深化战略伙伴关系：</strong> 此次援助不仅体现了日本对柬埔寨社会经济发展的一贯支持，也进一步推动了柬日两国“全面战略伙伴关系”迈上新台阶。</li>
</ul>
<p>The post <a href="https://orkunsantepheap.com/zh/cambodia-japan-jds-scholarship-agreement-2026-3/">柬日签署280万美元无偿援助协议，支持人力资源开发奖学金项目</a> appeared first on <a href="https://orkunsantepheap.com/zh">អរគុណសន្តិភាព</a>.</p>
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		<title>柬埔寨小额信贷行业2025年实现稳健增长，瑞尔币使用信心显著增强</title>
		<link>https://orkunsantepheap.com/zh/cambodia-microfinance-sector-growth-2025-3/</link>
					<comments>https://orkunsantepheap.com/zh/cambodia-microfinance-sector-growth-2025-3/#respond</comments>
		
		<dc:creator><![CDATA[Sok Sabay]]></dc:creator>
		<pubDate>Tue, 07 Jul 2026 03:12:03 +0000</pubDate>
				<category><![CDATA[金融与银行]]></category>
		<category><![CDATA[柬埔寨小额信贷]]></category>
		<guid isPermaLink="false">https://orkunsantepheap.com/?p=7458</guid>

					<description><![CDATA[<p>金边： 据柬埔寨小额信贷协会（CMA）7月5日发布的《2025年度报告》显示，尽管面临宏观经济挑战，柬埔寨小额 [&#8230;]</p>
<p>The post <a href="https://orkunsantepheap.com/zh/cambodia-microfinance-sector-growth-2025-3/">柬埔寨小额信贷行业2025年实现稳健增长，瑞尔币使用信心显著增强</a> appeared first on <a href="https://orkunsantepheap.com/zh">អរគុណសន្តិភាព</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph"><strong>金边：</strong> 据柬埔寨小额信贷协会（CMA）7月5日发布的《2025年度报告》显示，尽管面临宏观经济挑战，柬埔寨小额信贷行业在贷款与存款方面均实现了强劲增长，充分反映了公众与企业界对该行业的坚定信心。</p>



<p class="wp-block-paragraph">CMA董事会副主席Dith Nita女士表示，2025年是该行业的关键之年，在保持可持续增长的同时，进一步强化了对提升国民财务健康的承诺。随着柬埔寨经济持续复苏与多元化发展，小额信贷行业依然是国家金融稳定的基石。</p>



<p class="wp-block-paragraph"><strong>2025年度核心数据：</strong></p>



<ul class="wp-block-list">
<li><strong>贷款总额：</strong> 达到60亿美元，同比增长超过15%。</li>



<li><strong>存款总额：</strong> 四家存款类小额信贷机构（MDIs）的存款总额增长了17.60%，达到29.9亿美元。</li>



<li><strong>瑞尔币化进展：</strong> 瑞尔贷款额达到14亿美元，占行业贷款总额的23.3%；瑞尔存款额达到3.93亿美元，占存款总额的13.1%，凸显了公众对本国货币的信心。</li>
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        <!-- ═══ HEADER ═══ -->
        <header class="header">
            <div class="header-left">
                <h1>
                    <i class="fas fa-hand-holding-usd"></i>
                    柬埔寨小额信贷行业
                </h1>
                <div class="sub">
                    <i class="fas fa-chart-line"></i>
                    2025年年度表现 · 强劲增长 &#038; 瑞尔信心
                    <span style="margin-left:6px;color:#a0b8cc;">|</span>
                    <span style="color:#4d637a;"><i class="far fa-calendar-alt"></i> 2026年7月</span>
                </div>
            </div>
            <div class="header-badge">
                <i class="fas fa-flag"></i>
                CMA 2025年报告
                <span>•</span>
                <span><i class="fas fa-building"></i> MDIs: 4家</span>
            </div>
        </header>

        <!-- ═══ KEY STATS (with counter animation) ═══ -->
        <section class="stats-grid">
            <div class="stat-card accent-teal">
                <div class="label"><i class="fas fa-coins"></i> 贷款总额</div>
                <div class="value"><span class="counter" data-target="6.00">0</span><span class="suffix">B</span></div>
                <div class="sub-info"><span class="growth-badge"><i class="fas fa-arrow-up"></i> 同比增长 +15%</span></div>
            </div>
            <div class="stat-card accent-blue">
                <div class="label"><i class="fas fa-piggy-bank"></i> 存款总额 (MDIs)</div>
                <div class="value"><span class="counter" data-target="2.99">0</span><span class="suffix">B</span></div>
                <div class="sub-info"><span class="growth-badge"><i class="fas fa-arrow-up"></i> 同比增长 +17.6%</span></div>
            </div>
            <div class="stat-card accent-gold">
                <div class="label"><i class="fas fa-riel-sign"></i> 瑞尔贷款</div>
                <div class="value"><span class="counter" data-target="1.40">0</span><span class="suffix">B</span></div>
                <div class="sub-info">占贷款总额 23.3%</div>
            </div>
            <div class="stat-card accent-green">
                <div class="label"><i class="fas fa-riel-sign"></i> 瑞尔存款</div>
                <div class="value"><span class="counter" data-target="393">0</span><span class="suffix">M</span></div>
                <div class="sub-info">占存款总额 13.1%</div>
            </div>
        </section>

        <!-- ═══ TWO-COLUMN CHARTS (Currency Composition) ═══ -->
        <div class="row-2col">

            <!-- LEFT: Loans Composition -->
            <div class="panel">
                <div class="panel-title">
                    <i class="fas fa-chart-pie"></i>
                    贷款货币构成
                    <span class="tag">总额 6.00B</span>
                </div>
                <div class="chart-wrapper">
                    <canvas id="loanCurrencyChart"></canvas>
                </div>
                <div class="chart-legend-inline">
                    <span><span class="swatch" style="background:#b8860b;"></span> 瑞尔 (23.3%)</span>
                    <span><span class="swatch" style="background:#1a4a7a;"></span> 外币 (76.7%)</span>
                </div>
            </div>

            <!-- RIGHT: Deposits Composition -->
            <div class="panel">
                <div class="panel-title">
                    <i class="fas fa-chart-pie"></i>
                    存款货币构成
                    <span class="tag">总额 2.99B</span>
                </div>
                <div class="chart-wrapper tall">
                    <canvas id="depositCurrencyChart"></canvas>
                </div>
                <div class="chart-legend-inline">
                    <span><span class="swatch" style="background:#2a7a3a;"></span> 瑞尔 (13.1%)</span>
                    <span><span class="swatch" style="background:#1a5e7a;"></span> 外币 (86.9%)</span>
                </div>
            </div>

        </div>

        <!-- ═══ GROWTH METRICS (Bar Chart) ═══ -->
        <div style="margin-bottom: 30px;">
            <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;">
                <i class="fas fa-arrow-trend-up" style="color:#1a7a5e; font-size: 20px;"></i>
                <h3 style="font-weight: 600; color: #0a2a3a; font-size: 18px;">年度增长概况</h3>
                <span style="margin-left: auto; font-size: 13px; color: #6a7f94;"><i class="fas fa-calendar-alt"></i> 2025 vs 2024</span>
            </div>
            <div style="background: #fafcfe; border-radius: 24px; padding: 20px 24px 24px; border: 1px solid #e4eaf2;">
                <div class="chart-wrapper" style="height: 160px;">
                    <canvas id="growthChart"></canvas>
                </div>
                <div class="chart-legend-inline">
                    <span><span class="swatch" style="background:#1a7a5e;"></span> 增长率 (%)</span>
                </div>
            </div>
        </div>

        <!-- ═══ STRATEGIC BLUEPRINT ═══ -->
        <section class="blueprint-section">
            <div class="blueprint-header">
                <h2><i class="fas fa-drafting-compass"></i> 2025年增长驱动因素</h2>
                <div style="font-size:14px; color:#4d637a; background:#fff; padding:4px 16px; border-radius:40px; border:1px solid #dce5f0; transition: all 0.3s;">
                    <i class="fas fa-bullseye"></i> 金融普惠
                </div>
            </div>
            <div class="blueprint-grid">
                <div class="bp-item">
                    <div class="bp-icon"><i class="fas fa-scale-balanced"></i></div>
                    <div class="bp-title">可持续增长平衡</div>
                    <div class="bp-desc">在保持信贷稳健扩张的同时，促进公民金融健康与稳定。</div>
                </div>
                <div class="bp-item">
                    <div class="bp-icon"><i class="fas fa-riel-sign"></i></div>
                    <div class="bp-title">瑞尔信心飙升</div>
                    <div class="bp-desc">瑞尔贷款占 23.3%，瑞尔存款占 13.1%，反映公众对本国货币的坚定信心。</div>
                </div>
                <div class="bp-item">
                    <div class="bp-icon"><i class="fas fa-bolt"></i></div>
                    <div class="bp-title">国家经济支柱</div>
                    <div class="bp-desc">小额信贷行业在支持经济复苏和多元化方面发挥着关键支柱作用。</div>
                </div>
            </div>
        </section>

        <!-- ═══ QUOTE ═══ -->
        <div class="quote-block">
            <div class="quote-icon"><i class="fas fa-quote-left"></i></div>
            <blockquote>
                “2025年对该行业而言是至关重要的一年，在保持可持续增长的同时，促进了公民的金融福祉。小额信贷行业仍然是国家经济稳定的‘脊梁’。”
            </blockquote>
            <div class="attribution">
                <i class="fas fa-user-circle"></i>
                <strong>迪特·尼塔 (Ms. Dit Nita)</strong>
                <span class="role">— 柬埔寨小额信贷协会 (CMA) 理事会副主席</span>
                <span style="margin-left:auto; font-size:13px; color:#8aaac4;">
                    <i class="far fa-calendar-alt"></i> 2026年7月5日 · 年度报告发布会
                </span>
            </div>
        </div>

        <!-- ═══ FOOTER ═══ -->
        <div class="footer-note">
            <div>
                <i class="fas fa-file-alt"></i> CMA 2025年报告 · 贷款: 6.0B · 存款: 2.99B · 瑞尔信心: +23.3% 贷款占比
            </div>
            <div class="pill">
                <i class="fas fa-flag"></i> 国家经济稳定
            </div>
        </div>

    </div>

    <!-- ══════════════════════════════════════════════════════════ -->
    <!-- ═══ SCRIPTS: Charts + Counter Animation + Scroll Re-trigger ═══ -->
    <script>
        document.addEventListener('DOMContentLoaded', function() {

            // ─── 1. CHARTS ───

            // Loan Currency Donut
            const ctxLoan = document.getElementById('loanCurrencyChart').getContext('2d');
            const loanChart = new Chart(ctxLoan, {
                type: 'doughnut',
                data: {
                    labels: ['瑞尔 (23.3%)', '外币 (76.7%)'],
                    datasets: [{
                        data: [1.4, 4.6],
                        backgroundColor: ['#b8860b', '#1a4a7a'],
                        borderColor: ['#ffffff', '#ffffff'],
                        borderWidth: 3,
                        hoverOffset: 8,
                    }]
                },
                options: {
                    responsive: true,
                    maintainAspectRatio: false,
                    cutout: '62%',
                    plugins: {
                        legend: { display: false },
                        tooltip: {
                            callbacks: {
                                label: function(context) {
                                    const total = context.dataset.data.reduce((a, b) => a + b, 0);
                                    const pct = ((context.parsed / total) * 100).toFixed(1);
                                    const val = context.parsed.toFixed(2);
                                    return context.label + ' · $' + val + 'B (' + pct + '%)';
                                }
                            }
                        }
                    },
                    animation: { animateRotate: true, duration: 1200 }
                }
            });

            // Deposit Currency Donut
            const ctxDep = document.getElementById('depositCurrencyChart').getContext('2d');
            const depositChart = new Chart(ctxDep, {
                type: 'doughnut',
                data: {
                    labels: ['瑞尔 (13.1%)', '外币 (86.9%)'],
                    datasets: [{
                        data: [0.393, 2.597],
                        backgroundColor: ['#2a7a3a', '#1a5e7a'],
                        borderColor: ['#ffffff', '#ffffff'],
                        borderWidth: 3,
                        hoverOffset: 8,
                    }]
                },
                options: {
                    responsive: true,
                    maintainAspectRatio: false,
                    cutout: '62%',
                    plugins: {
                        legend: { display: false },
                        tooltip: {
                            callbacks: {
                                label: function(context) {
                                    const total = context.dataset.data.reduce((a, b) => a + b, 0);
                                    const pct = ((context.parsed / total) * 100).toFixed(1);
                                    const val = context.parsed.toFixed(3);
                                    return context.label + ' · $' + val + 'B (' + pct + '%)';
                                }
                            }
                        }
                    },
                    animation: { animateRotate: true, duration: 1200 }
                }
            });

            // Growth Bar Chart
            const ctxGrowth = document.getElementById('growthChart').getContext('2d');
            const growthChart = new Chart(ctxGrowth, {
                type: 'bar',
                data: {
                    labels: ['贷款总额', '存款总额'],
                    datasets: [{
                        label: '增长率 (%)',
                        data: [15.0, 17.6],
                        backgroundColor: ['#1a7a5e', '#1a4a7a'],
                        borderRadius: 6,
                        barPercentage: 0.5,
                    }]
                },
                options: {
                    responsive: true,
                    maintainAspectRatio: false,
                    plugins: {
                        legend: { display: false },
                        tooltip: {
                            callbacks: {
                                label: function(context) {
                                    return context.parsed.y + '% 同比增长';
                                }
                            }
                        }
                    },
                    scales: {
                        y: {
                            beginAtZero: true,
                            max: 20,
                            grid: { color: 'rgba(0,0,0,0.04)' },
                            ticks: {
                                callback: function(value) {
                                    return value + '%';
                                }
                            }
                        }
                    },
                    animation: { duration: 1000, easing: 'easeOutQuart' }
                }
            });

            // ─── 2. COUNTER ANIMATION ───
            const counters = document.querySelectorAll('.counter');

            const animateNumber = (el) => {
                const target = parseFloat(el.getAttribute('data-target'));
                const isDecimal = target % 1 !== 0;
                const duration = 1800;
                const startTime = performance.now();

                const updateCounter = (currentTime) => {
                    const elapsed = currentTime - startTime;
                    const progress = Math.min(elapsed / duration, 1);
                    const eased = progress === 1 ? 1 : 1 - Math.pow(2, -10 * progress);
                    const current = eased * target;

                    if (isDecimal) {
                        el.textContent = current.toFixed(2);
                    } else {
                        el.textContent = Math.floor(current).toLocaleString();
                    }

                    if (progress < 1) {
                        requestAnimationFrame(updateCounter);
                    } else {
                        if (isDecimal) {
                            el.textContent = target.toFixed(2);
                        } else {
                            el.textContent = target.toLocaleString();
                        }
                    }
                };
                requestAnimationFrame(updateCounter);
            };

            const counterObserver = new IntersectionObserver((entries) => {
                entries.forEach(entry => {
                    if (entry.isIntersecting) {
                        const el = entry.target;
                        const target = parseFloat(el.getAttribute('data-target'));
                        // Reset to 0
                        if (target % 1 !== 0) {
                            el.textContent = '0.00';
                        } else {
                            el.textContent = '0';
                        }
                        animateNumber(el);
                        counterObserver.unobserve(el);
                    }
                });
            }, { threshold: 0.5 });

            counters.forEach(c => counterObserver.observe(c));

            // ─── 3. RE-TRIGGER CHART ANIMATIONS ON SCROLL ───
            const chartWrappers = document.querySelectorAll('.panel .chart-wrapper, .blueprint-section .chart-wrapper');
            const chartObserver = new IntersectionObserver((entries) => {
                entries.forEach(entry => {
                    if (entry.isIntersecting) {
                        // Reset and re-animate charts
                        loanChart.reset();
                        depositChart.reset();
                        growthChart.reset();
                        setTimeout(() => {
                            loanChart.update();
                            depositChart.update();
                            growthChart.update();
                        }, 80);
                        chartObserver.unobserve(entry.target);
                    }
                });
            }, { threshold: 0.4 });

            chartWrappers.forEach(w => chartObserver.observe(w));

            // Trigger charts if already visible on load
            setTimeout(() => {
                const rect1 = document.getElementById('loanCurrencyChart')?.getBoundingClientRect();
                const rect2 = document.getElementById('depositCurrencyChart')?.getBoundingClientRect();
                const rect3 = document.getElementById('growthChart')?.getBoundingClientRect();
                const windowHeight = window.innerHeight;

                const checkAndUpdate = (chart, rect) => {
                    if (rect && rect.top < windowHeight * 0.7) {
                        chart.reset();
                        setTimeout(() => chart.update(), 100);
                    }
                };
                checkAndUpdate(loanChart, rect1);
                checkAndUpdate(depositChart, rect2);
                checkAndUpdate(growthChart, rect3);
            }, 500);

        });
    </script>

</body>
</html>
<p>The post <a href="https://orkunsantepheap.com/zh/cambodia-microfinance-sector-growth-2025-3/">柬埔寨小额信贷行业2025年实现稳健增长，瑞尔币使用信心显著增强</a> appeared first on <a href="https://orkunsantepheap.com/zh">អរគុណសន្តិភាព</a>.</p>
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