<p>PayPal 本周宣布已提交监管申请，计划创建 PayPal Bank，一家新的工业贷款公司，以支持小型企业。</p>
<p>该公司周一表示，已向犹他州金融机构部和联邦存款保险公司（FDIC）提交了文件，以启动 PayPal Bank。</p>
<p>PayPal 表示，该银行将使公司能够为小型企业提供贷款解决方案以及带利息的储蓄账户。它还计划直接与卡网络建立会员关系，以补充通过现有银行关系进行的处理和结算活动。</p>
<p>如果 PayPal 的申请获得批准，客户存款将享有 FDIC 保险保障，保护每位存款人在每家受保银行的存款最高可达 250,000 美元。</p>
<p><strong>小型企业报告每月价格上涨创纪录，通胀压力加大</strong></p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/paypal-headquarters.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/paypal-headquarters.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>PayPal 宣布计划推出一家名为 PayPal Bank 的工业银行，以满足小型企业的金融服务需求。（Justin Sullivan/Getty Images）</p>
<p>PayPal 首席执行官 Alex Chriss 表示：“获得资金仍然是小型企业努力成长和扩展的重大障碍。建立 PayPal Bank 将增强我们的业务，提高我们的效率，使我们能够更好地支持小型企业的增长和美国的经济机会。”</p>
<p>PayPal 选择 Mara McNeill 担任 PayPal Bank 的总裁。McNeill 在银行、商业贷款和私募股权方面拥有超过 25 年的经验。在加入 PayPal 之前，她曾担任丰田金融储蓄银行的总裁兼首席执行官。</p>
<p><strong>小型企业乐观情绪上升，但业主表示合格工人仍然难以找到</strong></p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/09/931/523/small-business-storefronts-street.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/09/931/523/small-business-storefronts-street.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>小型企业将能够在 PayPal Bank 获得贷款和存款服务。（James Carbone/Newsday RM via Getty Images）</p>
<p>该公司的公告指出，自 2013 年以来，PayPal 已向全球超过 420,000 个商业账户提供超过 300 亿美元的贷款和流动资金。这种访问帮助小型企业获得所需的资金，以扩展、购买库存或对其员工和商业设备进行投资。</p>
<p>工业银行由各州以及 FDIC 监管（如果它们是会员）。与受《银行控股公司法》（BHCA）监管的银行不同，工业银行是豁免的，不一定需要成为银行控股公司，这使得非金融公司能够拥有和运营工业银行。</p>
<p><strong>小型企业在 11 月失去工作岗位，关税不确定性对招聘造成压力</strong></p>
<p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/alex-chriss-paypal-ceo.jpg/query-dGw9MSZ2ZT0x?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="931" height="523" original-src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/alex-chriss-paypal-ceo.jpg/query-dGw9MSZ2ZT0x"/></p>
<p>PayPal 首席执行官 Alex Chriss 表示，PayPal Bank 将帮助服务小型企业。（Alex Wong/Getty Images）</p>
<p>它们在其他方面也受到与其他银行相同的监管和监督流程的约束。根据犹他州金融机构部的规定，工业银行还被允许发放各种消费者和商业贷款，并接受联邦保险的存款。</p>
<p>今年，特朗普政府推动了银行特许申请，采取了放松监管的方式，以允许金融机构帮助促进增长。</p>
<p><strong>点击这里获取 FOX 商业新闻的移动版</strong></p>
<p>上周，政府的货币监理办公室向加密货币巨头 Ripple 和 Circle 授予了初步批准，以探索建立国家信托银行，这可能进一步将数字资产整合到美国银行系统中。</p>
<p><em>路透社对此报告作出了贡献。</em></p>

PYPL

<p>PayPal 已提交监管申请，计划创建 PayPal Bank，这是一家旨在支持小型企业的工业贷款公司。该银行将提供贷款解决方案、带息储蓄账户，并寻求与卡网络的直接会员资格。如果获得批准，客户存款将享有 FDIC 保险保障。Mara McNeill 将担任 PayPal Bank 的总裁。自 2013 年以来，PayPal 已向全球超过 420,000 个商业账户提供了超过 300 亿美元的贷款和流动资金</p>

<p>PayPal announced this week that it submitted regulatory applications to create PayPal Bank, a new industrial loan company to support small businesses.</p>
<div class="lb-trans"><p>PayPal 本周宣布已提交监管申请，计划创建 PayPal Bank，一家新的工业贷款公司，以支持小型企业。</p>
</div><p>The company said Monday that it filed documents with the Utah Department of Financial Institutions and the Federal Deposit Insurance Corporation (FDIC) to launch PayPal Bank.</p>
<div class="lb-trans"><p>该公司周一表示，已向犹他州金融机构部和联邦存款保险公司（FDIC）提交了文件，以启动 PayPal Bank。</p>
</div><p>PayPal said that the bank would allow the firm to provide lending solutions for small businesses, as well as interest-bearing savings accounts. It also plans to pursue direct membership with card networks to complement processing and settlement activities through existing banking relationships.</p>
<div class="lb-trans"><p>PayPal 表示，该银行将使公司能够为小型企业提供贷款解决方案以及带利息的储蓄账户。它还计划直接与卡网络建立会员关系，以补充通过现有银行关系进行的处理和结算活动。</p>
</div><p>If PayPal's application is approved, customer deposits would have FDIC insurance coverage, which protects up to $250,000 per depositor, per insured bank.</p>
<div class="lb-trans"><p>如果 PayPal 的申请获得批准，客户存款将享有 FDIC 保险保障，保护每位存款人在每家受保银行的存款最高可达 250,000 美元。</p>
</div><p><strong>SMALL BUSINESSES REPORT RECORD MONTHLY SURGE IN PRICE INCREASES AS INFLATION PRESSURE MOUNTS</strong></p>
<div class="lb-trans"><p><strong>小型企业报告每月价格上涨创纪录，通胀压力加大</strong></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/paypal-headquarters.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/paypal-headquarters.jpg?ve=1&amp;tl=1"/></p>
<p>PayPal announced plans to launch an industrial bank called PayPal Bank that would cater to the financial services needs of small businesses. (Justin Sullivan/Getty Images)</p>
<div class="lb-trans"><p>PayPal 宣布计划推出一家名为 PayPal Bank 的工业银行，以满足小型企业的金融服务需求。（Justin Sullivan/Getty Images）</p>
</div><p>&#34;Securing capital remains a significant hurdle for small businesses striving to grow and scale,&#34; said PayPal CEO Alex Chriss. &#34;Establishing PayPal Bank will strengthen our business and improve our efficiency, enabling us to better support small business growth and economic opportunities across the U.S.&#34;</p>
<div class="lb-trans"><p>PayPal 首席执行官 Alex Chriss 表示：“获得资金仍然是小型企业努力成长和扩展的重大障碍。建立 PayPal Bank 将增强我们的业务，提高我们的效率，使我们能够更好地支持小型企业的增长和美国的经济机会。”</p>
</div><p>PayPal selected Mara McNeill to serve as the president of PayPal Bank. McNeill has over 25 years experience in banking, commercial lending and private equity. Before she joined PayPal, she was the president and CEO of Toyota Financial Savings Bank.</p>
<div class="lb-trans"><p>PayPal 选择 Mara McNeill 担任 PayPal Bank 的总裁。McNeill 在银行、商业贷款和私募股权方面拥有超过 25 年的经验。在加入 PayPal 之前，她曾担任丰田金融储蓄银行的总裁兼首席执行官。</p>
</div><p><strong>SMALL BUSINESS OPTIMISM RISES, BUT OWNERS SAY QUALIFIED WORKERS ARE STILL HARD TO FIND</strong></p>
<div class="lb-trans"><p><strong>小型企业乐观情绪上升，但业主表示合格工人仍然难以找到</strong></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/09/931/523/small-business-storefronts-street.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/09/931/523/small-business-storefronts-street.jpg?ve=1&amp;tl=1"/></p>
<p>Small businesses would be able to access loans as well as depository services at PayPal Bank. (James Carbone/Newsday RM via Getty Images)</p>
<div class="lb-trans"><p>小型企业将能够在 PayPal Bank 获得贷款和存款服务。（James Carbone/Newsday RM via Getty Images）</p>
</div><p>The company's announcement noted that since 2013, PayPal has provided access to over $30 billion in loans and working capital to more than 420,000 business accounts worldwide. That access helps small businesses tap into the capital they need to expand, buy inventory or make investments in their workforce and business equipment.</p>
<div class="lb-trans"><p>该公司的公告指出，自 2013 年以来，PayPal 已向全球超过 420,000 个商业账户提供超过 300 亿美元的贷款和流动资金。这种访问帮助小型企业获得所需的资金，以扩展、购买库存或对其员工和商业设备进行投资。</p>
</div><p>Industrial banks are regulated by states as well as the FDIC if they're members. Unlike banks covered by the Bank Holding Company Act (BHCA), industrial banks are exempt and don't necessarily have to be bank holding companies, which allows non-financial companies to own and operate an industrial bank.</p>
<div class="lb-trans"><p>工业银行由各州以及 FDIC 监管（如果它们是会员）。与受《银行控股公司法》（BHCA）监管的银行不同，工业银行是豁免的，不一定需要成为银行控股公司，这使得非金融公司能够拥有和运营工业银行。</p>
</div><p><strong>SMALL BUSINESSES LEAD NOVEMBER JOB LOSSES AS TARIFF UNCERTAINTY WEIGHS ON HIRING</strong></p>
<div class="lb-trans"><p><strong>小型企业在 11 月失去工作岗位，关税不确定性对招聘造成压力</strong></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/alex-chriss-paypal-ceo.jpg/query-dGw9MSZ2ZT0x" alt="" original-src="https://a57.foxnews.com/static.foxbusiness.com/foxbusiness.com/content/uploads/2025/12/931/523/alex-chriss-paypal-ceo.jpg?ve=1&amp;tl=1"/></p>
<p>PayPal CEO Alex Chriss said that PayPal Bank will help serve small businesses. (Alex Wong/Getty Images)</p>
<div class="lb-trans"><p>PayPal 首席执行官 Alex Chriss 表示，PayPal Bank 将帮助服务小型企业。（Alex Wong/Getty Images）</p>
</div><p>They are otherwise subject to the same regulatory and supervisory processes as other banks. Industrial banks are also permitted to make all kinds of consumer and commercial loans and to accept federally insured deposits, according to the state of Utah's Department of Financial Institutions.</p>
<div class="lb-trans"><p>它们在其他方面也受到与其他银行相同的监管和监督流程的约束。根据犹他州金融机构部的规定，工业银行还被允许发放各种消费者和商业贷款，并接受联邦保险的存款。</p>
</div><p>Bank charter applications have been spurred this year by the Trump administration, which has favored a deregulatory approach to allow financial institutions to help spur growth.</p>
<div class="lb-trans"><p>今年，特朗普政府推动了银行特许申请，采取了放松监管的方式，以允许金融机构帮助促进增长。</p>
</div><p><strong>GET FOX BUSINESS ON THE GO BY CLICKING HERE</strong></p>
<div class="lb-trans"><p><strong>点击这里获取 FOX 商业新闻的移动版</strong></p>
</div><p>The administration's Office of the Comptroller of the Currency last week granted preliminary approvals to cryptocurrency giants Ripple and Circle to explore the establishment of national trust banks, which could further integrate digital assets into the U.S. banking system.</p>
<div class="lb-trans"><p>上周，政府的货币监理办公室向加密货币巨头 Ripple 和 Circle 授予了初步批准，以探索建立国家信托银行，这可能进一步将数字资产整合到美国银行系统中。</p>
</div><p><em>Reuters contributed to this report.</em></p>
<div class="lb-trans"><p><em>路透社对此报告作出了贡献。</em></p>
</div>

PayPal plans to launch bank serving small businesses around the US

- PayPal 提交申请创建 PayPal Bank，以支持小企业融资需求。  
- 新银行将提供贷款和高利息储蓄账户，力求优化小企业资金获取。  
- CEO 表示，PayPal Bank 将推动小企业增长，改善经济机会。

PayPal 计划在美国推出一家服务小型企业的银行