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| membership_type = Member states | membership = | largest_city = | government_type = | leader_title1 = | leader_name1 = | leader_title2 = | leader_name2 = | leader_title3 = | leader_name3 = | leader_title4 = | leader_name4 = | legislature = | upper_house = | lower_house = | sovereignty_type = | established_event1 = | established_date1 = | established_event2 = | established_date2 = | established_event3 = | established_date3 = | established_event4 = | established_date4 = | area_km2 = 4,854,382 | area_sq_mi = 1,874,287 | area_rank = 7th | area_magnitude = | percent_water = 3.24 | population_census = 516,881,997 | population_census_year = 2011 | population_census_rank = 3rd | population_estimate = | population_estimate_year = | population_estimate_rank = | population_density_km2 = 106.5 | population_density_sq_mi = 275.8 | population_density_rank = | GDP_PPP_year = | GDP_PPP = $11,465 billion (2012)〔 | GDP_PPP_rank = | GDP_PPP_per_capita = $34,583 (2012) | GDP_PPP_per_capita_rank = | GDP_nominal = |GDP_nominal_rank = | GDP_nominal_per_capita_rank = | GDP_nominal_year = | GDP_nominal_per_capita = | Gini_year = | Gini_change = | Gini = | Gini_ref = | Gini_rank = | HDI_year = | HDI_change = increase | HDI = | HDI_ref = | HDI_rank = | currency = | currency_code = | time_zone = UTC, CET, EET | utc_offset = ±0 to +2 | time_zone_DST = WEST, CEST, EEST | utc_offset_DST = +1 to +3 | cctld = }} The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , SEPA consists of the 28 member states of the European Union, the four member states of the European Free Trade Association (Iceland, Liechtenstein, Norway and Switzerland), Monaco and San Marino.〔(List of SEPA Scheme Countries - updated with San Marino )〕 Andorra will become part of the area in 2016. == Goals == The project's aim is to improve the efficiency of cross-border payments and turn the fragmented national markets for euro payments into a single domestic one. SEPA will enable customers to make cashless euro payments to anyone located anywhere in the area, using a single bank account and a single set of payment instruments. The project includes the development of common financial instruments, standards, procedures, and infrastructure to enable economies of scale. This should, in turn, reduce the overall cost to the European economy of moving capital around the region (estimated as two to three percent of total GDP). 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Single Euro Payments Area」の詳細全文を読む スポンサード リンク
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