<p>这家总部位于香港的金融机构从包括汇丰控股和保诚在内的投资者那里筹集了新资金，旨在扩大在东南亚的业务。</p>
<p><img src="https://imageproxy.pbkrs.com/https://contributor-assets.benzinga.com/wp-content/uploads/2026/02/11044826/%E5%B1%8F%E5%B9%95%E6%88%AA%E5%9B%BE_11-2-2026_124812_thebambooworks.com_-1024x687.jpeg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1024" height="687" original-src="https://imageproxy.pbkrs.com/https://contributor-assets.benzinga.com/wp-content/uploads/2026/02/11044826/%E5%B1%8F%E5%B9%95%E6%88%AA%E5%9B%BE_11-2-2026_124812_thebambooworks.com_-1024x687.jpeg"/></p>
<p><em>图片来源：Bamboo Works</em></p>
<h4><strong>关键要点：</strong></h4>
<ul>
<li>WeLab 宣布通过股权和债务的出售筹集了 2.2 亿美元，称这是去年数字银行最大的一次融资。</li>
<li>越来越多的主要金融机构支持该公司，押注于快速发展的数字银行的未来。</li>
</ul>
<p>它的名字可能对股票投资者来说并不熟悉，但数字银行 <strong>WeLab</strong> 正迅速成为它希望颠覆的机构中的明星。</p>
<p>上个月，这家总部位于香港的公司 表示它筹集了 2.2 亿美元，通过股权和债务的出售，称这是去年数字银行最大的一次融资。WeLab 自称为 “领先的泛亚金融科技平台”，将利用这些资金在东南亚扩展业务和产品开发，以及潜在的收购。</p>
<p>与巨额融资同样令人印象深刻的是 WeLab 的投资者名单，其中包括汇丰控股和保诚等大牌，以及主权财富基金香港投资公司。WeLab 由 Simon Loong 于 2013 年创立，他的履历包括在花旗银行和渣打银行的长期任职。在最新的融资轮之前，该公司在 2019 年从包括国有银行巨头中国建设银行在内的机构获得了 1.56 亿美元。</p>
<p>最新融资的估值尚未公布。但该公司在 2019 年融资后已被估值为 10 亿美元，且根据 Tracxn 数据库，目前的估值可能更高，因为到目前为止已筹集了 17.5 亿美元，经历了八轮融资。</p>
<p>WeLab 的融资记录显示，它正在迅速吸引一系列主要的传统金融机构，这些机构押注于快速发展的数字银行的未来。像 WeLab 这样的在线贷款机构正在超越其作为精致金融应用程序运营商的利基，成为全面的人工智能（AI）驱动的金融生态系统。</p>
<p>WeLab 也是越来越多的金融机构之一，利用香港这一区域金融中心作为战略基地，瞄准中国及其他亚洲市场。根据去年 Fintech News Network 发布的名单，它是香港八家持牌数字银行之一，其他参与者包括阿里巴巴、腾讯、中国工商银行、京东、渣打银行、平安和小米等大牌。</p>
<p>对于 WeLab 及其数字银行同行来说，最紧迫的问题是他们是否能够产生足以证明运营其资本密集型银行业务所需投资的回报，并成熟为具有可持续利润的自给自足公司。WeLab 投资者基础的扩展，涵盖了金融行业的知名人士，包括西方和中国的支持者，显然对该公司来说是一个强有力的信心投票。</p>
<p>这种信心并非没有基础。作为香港收入最大的数字银行，WeLab 在 2024 年 12 月首次实现了月度盈亏平衡，并在去年上半年实现了盈利。根据其最新的财务报告，2025 年上半年其收入同比增长 70%，达到 4.3 亿港元（6000 万美元）。截至去年 6 月底，其资本充足率超过 20%，远高于香港的最低要求。</p>
<p>一个重要的警告是，未上市的 WeLab 不受与上市公司相同的报告要求。但其财务表现对于许多仍在烧钱的金融科技企业来说相当显著。该公司自愿披露财务结果的决定或许反映了其对超越竞争对手能力的信心。</p>
<p>除了在香港的同名数字银行外，WeLab 还运营多个平台。它还通过 WeLand 在香港提供消费贷款，并为中国大陆的客户运营 WeLab Digital 贷款促进平台。该公司还为银行和机构提供信贷技术服务。</p>
<h4><strong>地理多元化</strong></h4>
<p>WeBank 还通过与印度尼西亚最大的企业集团之一合作，实现了超越香港和中国大陆的地理多元化。2022 年，WeLab 和 Astra Financial 一起收购了 Bank Jasa，计划将这家传统银行转型为专注于个人 “独立创业者” 的数字银行。两位合作伙伴迅速行动，第二年就完成了这一转型。</p>
<p>WeLab 在最新融资公告中明确提到东南亚扩展，表明它可能会尝试在该地区复制其在印度尼西亚的合作伙伴关系，或追求直接收购，以在泛亚地区建立真正的存在。</p>
<p>该公司希望成为区域参与者的愿望可能不需要多加解释，因为很容易看出亚洲的数字银行市场具有巨大的潜力。从根本上说，像 WeLab 这样的快速、无障碍的在线金融服务为任何厌恶前往实体银行分行的人节省了时间，尤其是对于独自工作或与小团队合作的企业家来说。</p>
<p>在印度尼西亚等广大发展中国家，许多人仍然无法获得银行服务，部分原因是与庞大的人口相比，银行数量太少。在线银行解决了这个问题。根据市场数据预测，随着互联网和智能手机的普及，预计到 2033 年，亚洲的数字银行市场规模将从 2024 年的 5.1 万亿美元翻倍以上。</p>
<p>此外，东南亚等新兴市场的贷款比香港等成熟经济体更具吸引力，因为利润空间更大。这意味着在该地区的扩张可以帮助提高盈利能力。</p>
<p>与此同时，像 WeLab 这样的数字银行为其传统金融行业的支持者提供了接触新兴服务和商业模式的机会，他们也希望最终能够复制这些模式。例如，对于汇丰控股来说，其在 WeLab 的股份可以提供对灵活的、云原生银行技术和完全数字化客户基础的深入了解，这可以为其未来的运营提供有价值的知识。如果投资带来财务收益，那就更好了。</p>
<p>但 WeLab 也面临风险。其中之一是，针对个人借款人的策略总是有双刃剑的效果。虽然对他们的贷款利润通常高于对企业客户的贷款，但风险也往往更大。与上市银行不同，WeLab 并未披露其不良贷款比例，因此很难评估其贷款组合的质量。但这一比例可能高于专注于大型公司的传统贷款机构。</p>
<p>随着香港颁发更多数字银行许可证，竞争必然会加剧，已有的金融机构也在加速自身的数字化进程。</p>
<p>尽管如此，如果 WeLab 利用其新获得的资金在东南亚高增长市场加大扩张，同时增强其技术能力，该公司可能会成为其他人效仿的盈利性泛亚数字银行的典范。</p>
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<p><strong><em>Benzinga 免责声明：本文来自一位未付费的外部贡献者。它不代表 Benzinga 的报道，并且未经过内容或准确性的编辑。</em></strong></p>

汇丰控股

保诚

<p>WeLab 是一家总部位于香港的数字银行，通过股权和债务销售筹集了 2.2 亿美元，成为去年数字银行最大的一笔融资。投资者包括汇丰控股和保诚。筹集的资金将用于在东南亚的扩张和产品开发。WeLab 旨在成为领先的泛亚金融科技平台，已经实现盈利并显著增长收入。该公司还在地理上进行多元化，计划在整个地区复制其在印度尼西亚的成功合作</p>

<p><em>The Hong Kong-based financier raised fresh funds from investors including HSBC and Prudential as it seeks to expand in Southeast Asia</em></p>
<div class="lb-trans"><p>这家总部位于香港的金融机构从包括汇丰控股和保诚在内的投资者那里筹集了新资金，旨在扩大在东南亚的业务。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://contributor-assets.benzinga.com/wp-content/uploads/2026/02/11044826/%E5%B1%8F%E5%B9%95%E6%88%AA%E5%9B%BE_11-2-2026_124812_thebambooworks.com_-1024x687.jpeg" alt="" original-src="https://contributor-assets.benzinga.com/wp-content/uploads/2026/02/11044826/%E5%B1%8F%E5%B9%95%E6%88%AA%E5%9B%BE_11-2-2026_124812_thebambooworks.com_-1024x687.jpeg"/></p>
<p><em>image credit: Bamboo Works</em></p>
<div class="lb-trans"><p><em>图片来源：Bamboo Works</em></p>
</div><h4><strong>Key Takeaways:</strong></h4>
<div class="lb-trans"><h4><strong>关键要点：</strong></h4>
</div><ul>
<li>WeLab announced it raised $220 million through a sale of equity and debt in what it says was the largest fundraising for a digital bank last year</li>
<li>A growing number of major financial institutions are backing the company, betting on the future of fast-evolving digital banking</li>
</ul>
<div class="lb-trans"><ul>
<li>WeLab 宣布通过股权和债务的出售筹集了 2.2 亿美元，称这是去年数字银行最大的一次融资。</li>
<li>越来越多的主要金融机构支持该公司，押注于快速发展的数字银行的未来。</li>
</ul>
</div><p>Its name may not be familiar to stock investors, but digital bank <strong>WeLab</strong> is rapidly becoming a superstar among the very institutions it hopes to disrupt.</p>
<div class="lb-trans"><p>它的名字可能对股票投资者来说并不熟悉，但数字银行 <strong>WeLab</strong> 正迅速成为它希望颠覆的机构中的明星。</p>
</div><p>Last month, the Hong Kong-based company said it raised $220 million through an equity and debt sale, in what it says was the largest fundraising for a digital bank last year. WeLab, which calls itself &#34;a leading pan-Asian fintech platform,&#34; will use the funds for expansion in Southeast Asia and product development, as well as potential acquisitions.</p>
<div class="lb-trans"><p>上个月，这家总部位于香港的公司 表示它筹集了 2.2 亿美元，通过股权和债务的出售，称这是去年数字银行最大的一次融资。WeLab 自称为 “领先的泛亚金融科技平台”，将利用这些资金在东南亚扩展业务和产品开发，以及潜在的收购。</p>
</div><p>Equally impressive as the big amount is WeLab's investor list, which features big names like HSBC and Prudential, as well as sovereign-wealth fund Hong Kong Investment Corp. WeLab was founded in 2013 by Simon Loong, whose own resume includes more big banking names from his previous long stints at Citibank and Standard Chartered. Prior to the latest fundraising round, the company bagged $156 million in 2019 from institutions including state-owned banking titan China Construction Bank.</p>
<div class="lb-trans"><p>与巨额融资同样令人印象深刻的是 WeLab 的投资者名单，其中包括汇丰控股和保诚等大牌，以及主权财富基金香港投资公司。WeLab 由 Simon Loong 于 2013 年创立，他的履历包括在花旗银行和渣打银行的长期任职。在最新的融资轮之前，该公司在 2019 年从包括国有银行巨头中国建设银行在内的机构获得了 1.56 亿美元。</p>
</div><p>No valuation was given for the latest fundraising. But the company was already valued at $1 billion after the 2019 funding, and is probably worth much more by now after raising $1.75 billion over eight funding rounds to date, according to the Tracxn database.</p>
<div class="lb-trans"><p>最新融资的估值尚未公布。但该公司在 2019 年融资后已被估值为 10 亿美元，且根据 Tracxn 数据库，目前的估值可能更高，因为到目前为止已筹集了 17.5 亿美元，经历了八轮融资。</p>
</div><p>WeLab's fundraising record shows it's rapidly attracting a wide range of major traditional financial institutions that are betting on the future of fast-evolving digital banking. Online lenders like WeLab are moving beyond their niche as sleek financial app operators to become full-scale, artificial intelligence (AI)-powered financial ecosystems.</p>
<div class="lb-trans"><p>WeLab 的融资记录显示，它正在迅速吸引一系列主要的传统金融机构，这些机构押注于快速发展的数字银行的未来。像 WeLab 这样的在线贷款机构正在超越其作为精致金融应用程序运营商的利基，成为全面的人工智能（AI）驱动的金融生态系统。</p>
</div><p>WeLab is also one of a growing number of financial institutions using Hong Kong, a regional financial hub, as a strategic base to target both the Chinese and other Asian markets. It is among eight licensed digital banks in Hong Kong, alongside other players backed by such big names as Alibaba, Tencent, ICBC, JD.com, Standard Chartered, Ping An and Xiaomi, according to a list published last year by the Fintech News Network.</p>
<div class="lb-trans"><p>WeLab 也是越来越多的金融机构之一，利用香港这一区域金融中心作为战略基地，瞄准中国及其他亚洲市场。根据去年 Fintech News Network 发布的名单，它是香港八家持牌数字银行之一，其他参与者包括阿里巴巴、腾讯、中国工商银行、京东、渣打银行、平安和小米等大牌。</p>
</div><p>For WeLab and its digital banking peers, the most pressing question is whether they can generate returns that justify the investment required to run their capital-intensive banking operations, and mature into self-funded companies with sustainable profits. The expansion of WeLab's investor base to encompass a who's-who of the financial industry, with both Western and Chinese backers, certainly looks like a strong vote of confidence for the company.</p>
<div class="lb-trans"><p>对于 WeLab 及其数字银行同行来说，最紧迫的问题是他们是否能够产生足以证明运营其资本密集型银行业务所需投资的回报，并成熟为具有可持续利润的自给自足公司。WeLab 投资者基础的扩展，涵盖了金融行业的知名人士，包括西方和中国的支持者，显然对该公司来说是一个强有力的信心投票。</p>
</div><p>That confidence isn't without foundation. As the largest digital bank by revenue in Hong Kong, WeLab broke even for the first time ever in December 2024 on a monthly basis, and then turned a profit for the first half of last year. Its revenue was also growing fast, by 70% year-on-year to HK$430 million ($60 million) in the first half of 2025, according to its latest financial report, which it released voluntarily. It boasted a &#34;robust&#34; capital adequacy ratio that exceeds 20% at the end of last June, well above the minimum required by Hong Kong.</p>
<div class="lb-trans"><p>这种信心并非没有基础。作为香港收入最大的数字银行，WeLab 在 2024 年 12 月首次实现了月度盈亏平衡，并在去年上半年实现了盈利。根据其最新的财务报告，2025 年上半年其收入同比增长 70%，达到 4.3 亿港元（6000 万美元）。截至去年 6 月底，其资本充足率超过 20%，远高于香港的最低要求。</p>
</div><p>One important caveat is that unlisted WeLab isn't subject to the same reporting requirements as publicly traded companies. But its financial performance is quite notable for a fintech venture as many of its peers are still burning cash. The company's decision to voluntarily disclose its financial results perhaps speaks to its own confidence about its ability to outperform its competitors.</p>
<div class="lb-trans"><p>一个重要的警告是，未上市的 WeLab 不受与上市公司相同的报告要求。但其财务表现对于许多仍在烧钱的金融科技企业来说相当显著。该公司自愿披露财务结果的决定或许反映了其对超越竞争对手能力的信心。</p>
</div><p>WeLab runs a number of platforms, in addition to its namesake digital bank in Hong Kong. It also offers consumer loans specifically in Hong Kong via WeLand, and it operates the WeLab Digital loan facilitation platform for customers across the border in Mainland China. The company provides credit technology services for banks and institutions as well.</p>
<div class="lb-trans"><p>除了在香港的同名数字银行外，WeLab 还运营多个平台。它还通过 WeLand 在香港提供消费贷款，并为中国大陆的客户运营 WeLab Digital 贷款促进平台。该公司还为银行和机构提供信贷技术服务。</p>
</div><h4><strong>Geographic diversification</strong></h4>
<div class="lb-trans"><h4><strong>地理多元化</strong></h4>
</div><p>WeBank has also achieved some geographic diversification beyond Hong Kong and Mainland China by joining forces with one of the largest conglomerates in Indonesia. In 2022, WeLab and Astra Financial together acquired Bank Jasa with a plan to transform the brick-and-mortar lender into a digital-only one that targets individual &#34;solopreneurs&#34; like freelancers. The two partners wasted no time and made that conversion happen the following year.</p>
<div class="lb-trans"><p>WeBank 还通过与印度尼西亚最大的企业集团之一合作，实现了超越香港和中国大陆的地理多元化。2022 年，WeLab 和 Astra Financial 一起收购了 Bank Jasa，计划将这家传统银行转型为专注于个人 “独立创业者” 的数字银行。两位合作伙伴迅速行动，第二年就完成了这一转型。</p>
</div><p>The fact that WeLab prominently mentioned expansion in Southeast Asia in its latest fundraising announcement suggests that it may try to replicate its Indonesia partnership elsewhere in the region or pursue outright acquisitions to carve out a truly pan-Asian presence.</p>
<div class="lb-trans"><p>WeLab 在最新融资公告中明确提到东南亚扩展，表明它可能会尝试在该地区复制其在印度尼西亚的合作伙伴关系，或追求直接收购，以在泛亚地区建立真正的存在。</p>
</div><p>The company's desire to become a regional player probably doesn't require much explanation as it's easy to see why the digital banking market in Asia has big potential. Fundamentally, the convenience of fast, hassle-free online financial services like WeLab's is a welcome time saver for anyone loathing trips to physical bank branches, especially entrepreneurs working alone or with small teams.</p>
<div class="lb-trans"><p>该公司希望成为区域参与者的愿望可能不需要多加解释，因为很容易看出亚洲的数字银行市场具有巨大的潜力。从根本上说，像 WeLab 这样的快速、无障碍的在线金融服务为任何厌恶前往实体银行分行的人节省了时间，尤其是对于独自工作或与小团队合作的企业家来说。</p>
</div><p>And in vast developing economies like Indonesia, a lot of people still lack access to banking services, partly because there are too few banks compared to their big populations. Online banking solves this problem. That demand is expected to help the digital banking market in Asia more than double in size to $5.1 trillion by 2033 from 2024, as internet and smartphone penetration deepens, according to the Market Data Forecast.</p>
<div class="lb-trans"><p>在印度尼西亚等广大发展中国家，许多人仍然无法获得银行服务，部分原因是与庞大的人口相比，银行数量太少。在线银行解决了这个问题。根据市场数据预测，随着互联网和智能手机的普及，预计到 2033 年，亚洲的数字银行市场规模将从 2024 年的 5.1 万亿美元翻倍以上。</p>
</div><p>Plus, lending in emerging markets like those in Southeast Asia is much more lucrative than in mature economies like Hong Kong because margins are higher. That means expansion across that region can help improve profitability.</p>
<div class="lb-trans"><p>此外，东南亚等新兴市场的贷款比香港等成熟经济体更具吸引力，因为利润空间更大。这意味着在该地区的扩张可以帮助提高盈利能力。</p>
</div><p>At the same time, digital banks like WeLab offer their traditional financial sector backers exposure to the types of emerging services and business models that they may also hope to eventually copy. For HSBC, for example, its stake in WeLab can offer a close-up view of agile, cloud-native banking technology and an exclusively digital customer base, which can yield valuable knowledge that it can leverage for its own operations down the road. And all the better if the investment leads to financial gains.</p>
<div class="lb-trans"><p>与此同时，像 WeLab 这样的数字银行为其传统金融行业的支持者提供了接触新兴服务和商业模式的机会，他们也希望最终能够复制这些模式。例如，对于汇丰控股来说，其在 WeLab 的股份可以提供对灵活的、云原生银行技术和完全数字化客户基础的深入了解，这可以为其未来的运营提供有价值的知识。如果投资带来财务收益，那就更好了。</p>
</div><p>But risks do exist for WeLab. Among other things, targeting individual borrowers is always a double-edged sword. Although margins on loans to them are typically higher than those for business customers, they are also often riskier. WeLab doesn't disclose its non-performing loan ratio, unlike listed banks, so it's hard to assess the quality of its loan book. But the figure is likely higher than traditional lenders focused on large companies.</p>
<div class="lb-trans"><p>但 WeLab 也面临风险。其中之一是，针对个人借款人的策略总是有双刃剑的效果。虽然对他们的贷款利润通常高于对企业客户的贷款，但风险也往往更大。与上市银行不同，WeLab 并未披露其不良贷款比例，因此很难评估其贷款组合的质量。但这一比例可能高于专注于大型公司的传统贷款机构。</p>
</div><p>Competition is bound to intensify too as Hong Kong awards more digital banking licenses and established financial institutions accelerate their own digitalization.</p>
<div class="lb-trans"><p>随着香港颁发更多数字银行许可证，竞争必然会加剧，已有的金融机构也在加速自身的数字化进程。</p>
</div><p>Still, if WeLab uses its fresh capital to step up expansion in high-growth markets in Southeast Asia while beefing up its technological capabilities, the company could turn itself into a model for others to follow as a profitable pan-Asian digital bank.</p>
<div class="lb-trans"><p>尽管如此，如果 WeLab 利用其新获得的资金在东南亚高增长市场加大扩张，同时增强其技术能力，该公司可能会成为其他人效仿的盈利性泛亚数字银行的典范。</p>
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</div><p><strong><em>Benzinga Disclaimer: This article is from an unpaid external contributor. It does not represent Benzinga’s reporting and has not been edited for content or accuracy.</em></strong></p>
<div class="lb-trans"><p><strong><em>Benzinga 免责声明：本文来自一位未付费的外部贡献者。它不代表 Benzinga 的报道，并且未经过内容或准确性的编辑。</em></strong></p>
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WeLab Raises Fresh Funds For Expansion

- WeLab 宣布通过股权和债务融资筹集 2.2 亿美元，计划扩展至东南亚。  
- 投资者包括汇丰银行和保诚，显示出对数字银行未来的信心。  
- WeLab 在香港以收入计算为最大数字银行，并实现盈利，且其市场潜力巨大。

WeLab 筹集新资金以进行业务扩展