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这家金融科技公司成功拿到美国全国性银行营业执照

这家金融科技公司成功拿到美国全国性银行营业执照

骆杰峰(Jeff John Roberts) 2020年11月01日
申请全国性银行执照的过程耗时漫长且成本高昂,但金融领域的新贵却都在积极申请。

美国货币监理署(U.S. Office of the Comptroller of the Currency)有条件批准了贷款和金融科技公司SoFi获取全国性银行执照的申请。在获得执照之后,SoFi将有权自行吸收存款和发放贷款。

目前,SoFi使用另外一家银行的执照,为其业务提供法律担保。包括Chime在内的许多所谓“挑战者银行”都使用了这种模式,但该模式会减少其利润。

申请全国性银行执照的过程耗时漫长且成本高昂,但金融领域的新贵却都在积极申请。在线银行Varo于今年8月获得了执照,支付行业巨头Square也在申请执照的过程当中。

SoFi最初凭借为律师等高收入职业提供学生贷款再融资起家。该公司的目标是成为一家全方位金融机构,而获取银行执照是这个整体策略的一个环节。SoFi目前提供从加密货币到零散股份等各种业务,并在10月28日宣布发行一款提供2%购物返现的信用卡。

与2018年相比,SoFi目前的基础似乎变得更加稳定。2018年,公司创始人因为性骚扰丑闻而离职,并且学生贷款业务的利润下降,使公司一度濒临崩溃。但在那之后,公司推出了多样化的产品,并以12亿美元收购了为许多数字银行提供后端服务的Galileo公司,获得了一个重要的新收入来源。

在SoFi有条件取得银行执照的同时,许多挑战者银行却在激烈竞争和低利率环境中陷入了困境。有分析师预测,这种情况会引发行业合并潮,甚至会有一些银行直接消失。

货币监理署批准SoFi的申请,为其成为一家全国性银行扫清了道路,但SoFi还必须等待联邦存款保险公司(Federal Deposit Insurance Corporation)和美联储(Federal Reserve)的正式批准。

SoFi的发言人表示:“我们期待继续与货币监理署合作,在美联储和联邦存款保险公司的指导下完成申请流程的剩余步骤。”(财富中文网)

翻译:刘进龙

审校:汪皓

美国货币监理署(U.S. Office of the Comptroller of the Currency)有条件批准了贷款和金融科技公司SoFi获取全国性银行执照的申请。在获得执照之后,SoFi将有权自行吸收存款和发放贷款。

目前,SoFi使用另外一家银行的执照,为其业务提供法律担保。包括Chime在内的许多所谓“挑战者银行”都使用了这种模式,但该模式会减少其利润。

申请全国性银行执照的过程耗时漫长且成本高昂,但金融领域的新贵却都在积极申请。在线银行Varo于今年8月获得了执照,支付行业巨头Square也在申请执照的过程当中。

SoFi最初凭借为律师等高收入职业提供学生贷款再融资起家。该公司的目标是成为一家全方位金融机构,而获取银行执照是这个整体策略的一个环节。SoFi目前提供从加密货币到零散股份等各种业务,并在10月28日宣布发行一款提供2%购物返现的信用卡。

与2018年相比,SoFi目前的基础似乎变得更加稳定。2018年,公司创始人因为性骚扰丑闻而离职,并且学生贷款业务的利润下降,使公司一度濒临崩溃。但在那之后,公司推出了多样化的产品,并以12亿美元收购了为许多数字银行提供后端服务的Galileo公司,获得了一个重要的新收入来源。

在SoFi有条件取得银行执照的同时,许多挑战者银行却在激烈竞争和低利率环境中陷入了困境。有分析师预测,这种情况会引发行业合并潮,甚至会有一些银行直接消失。

货币监理署批准SoFi的申请,为其成为一家全国性银行扫清了道路,但SoFi还必须等待联邦存款保险公司(Federal Deposit Insurance Corporation)和美联储(Federal Reserve)的正式批准。

SoFi的发言人表示:“我们期待继续与货币监理署合作,在美联储和联邦存款保险公司的指导下完成申请流程的剩余步骤。”(财富中文网)

翻译:刘进龙

审校:汪皓

The U.S. Office of the Comptroller of the Currency (OCC) has granted conditional approval to lending and fintech company SoFi to receive a national bank charter, a designation that will allow it to receive deposits and make loans on its own.

Currently, SoFi licenses the charter from another bank to provide the legal backstop for its operation—a model used by many so-called challenger banks such as Chime, but one that undercuts its profits.

The process of obtaining a national bank charter is slow and costly, but is one to which other financial upstarts are turning. Online bank Varo received one in August while payment giant Square is in the process of obtaining one too.

For SoFi, which first made its name refinancing the student loans of lawyers and other high-earning professionals, the bank charter is part of a larger strategy to become a full-service financial institution. The company now offers everything from cryptocurrency to fraction shares of stock, and on October 28 announced a credit card offering 2% back on purchases.

SoFi also appears to be on more stable footing than it was in 2018 when it endured a near crack-up following the departure of its founder amid a sexual harassment scandal and shrinking profits from its student-loan business. Since then, it has diversified its product offerings and obtained an important new revenue stream through the $1.2 billion acquisition of Galileo, a company that provides back-end services to many other digital banks.

SoFi's conditional acquisition of a bank charter also comes as many challenger banks face headwinds amid fierce competition and a low interest rate environment—a situation that some analysts predict will result in consolidation or some banks simply disappearing.

While the OCC's approval effectively paves the way for SoFi to become a national bank, the company must still wait for formal approval from the Federal Deposit Insurance Corporation and the Federal Reserve.

“We look forward to continuing to work with the OCC on the next steps of the application process, along with the Fed and FDIC," said a SoFi spokesperson.

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