泰国顶级亿万富翁支持的多家集团获颁数字银行牌照

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Gate News bot 消息,据彭博社报道,泰国央行称,由正大集团(Charoen Pokphand Group)、海湾发展公司(Gulf Development Pcl)和SCB X Pcl为首的三家集团已获得泰国新的虚拟银行牌照,以增强该国银行业的竞争。

泰国央行周四表示,正大集团旗下的ACM控股公司(ACM Holding Co.)和海湾发展公司旗下的移动电话子公司Advanced Info Service Pcl已获得牌照。SCB X与中国的微众银行(WeBank Co. Ltd.)和韩国的KakaoBank Corp.组成财团,也获得了虚拟银行牌照。

副行长Roong Mallikamas在新闻发布会上表示:“我们非常希望新的牌照能够通过新的创新和技术来增强银行业的竞争。”

继亚洲其他国家/地区采取类似举措后,东南亚国家新加坡正在开放其银行业,以促进竞争,为服务不足的消费者提供更多贷款渠道。然而,新的虚拟银行运营商将面临这样的局面:在经济疲软的背景下,传统银行将面临不良贷款增加和信贷需求减弱的困境。

彭博行业研究高级银行分析师莎拉·简·马哈茂德表示,这些牌照的发放时机“颇为棘手,并带来了诸多挑战”。她表示:“新加坡的数字银行上线三年后仍未实现收支平衡。由于在数字平台和市场营销方面投入巨资,泰国的数字银行可能需要更长的时间才能实现盈利。”

新加坡于2020年发放了数字银行许可证,菲律宾和马来西亚紧随其后。

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