<p>PayPal 本週宣佈已提交監管申請，計劃創建 PayPal Bank，一家新的工業貸款公司，以支持小型企業。</p>
<p>該公司週一表示，已向猶他州金融機構部和聯邦存款保險公司（FDIC）提交了文件，以啓動 PayPal Bank。</p>
<p>PayPal 表示，該銀行將使公司能夠為小型企業提供貸款解決方案以及帶利息的儲蓄賬户。它還計劃直接與卡網絡建立會員關係，以補充通過現有銀行關係進行的處理和結算活動。</p>
<p>如果 PayPal 的申請獲得批准，客户存款將享有 FDIC 保險保障，保護每位存款人在每家受保銀行的存款最高可達 250,000 美元。</p>
<p><strong>小型企業報告每月價格上漲創紀錄，通脹壓力加大</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 宣佈計劃推出一家名為 PayPal Bank 的工業銀行，以滿足小型企業的金融服務需求。（Justin Sullivan/Getty Images）</p>
<p>PayPal 首席執行官 Alex Chriss 表示：“獲得資金仍然是小型企業努力成長和擴展的重大障礙。建立 PayPal Bank 將增強我們的業務，提高我們的效率，使我們能夠更好地支持小型企業的增長和美國的經濟機會。”</p>
<p>PayPal 選擇 Mara McNeill 擔任 PayPal Bank 的總裁。McNeill 在銀行、商業貸款和私募股權方面擁有超過 25 年的經驗。在加入 PayPal 之前，她曾擔任豐田金融儲蓄銀行的總裁兼首席執行官。</p>
<p><strong>小型企業樂觀情緒上升，但業主表示合格工人仍然難以找到</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>小型企業將能夠在 PayPal Bank 獲得貸款和存款服務。（James Carbone/Newsday RM via Getty Images）</p>
<p>該公司的公告指出，自 2013 年以來，PayPal 已向全球超過 420,000 個商業賬户提供超過 300 億美元的貸款和流動資金。這種訪問幫助小型企業獲得所需的資金，以擴展、購買庫存或對其員工和商業設備進行投資。</p>
<p>工業銀行由各州以及 FDIC 監管（如果它們是會員）。與受《銀行控股公司法》（BHCA）監管的銀行不同，工業銀行是豁免的，不一定需要成為銀行控股公司，這使得非金融公司能夠擁有和運營工業銀行。</p>
<p><strong>小型企業在 11 月失去工作崗位，關税不確定性對招聘造成壓力</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 首席執行官 Alex Chriss 表示，PayPal Bank 將幫助服務小型企業。（Alex Wong/Getty Images）</p>
<p>它們在其他方面也受到與其他銀行相同的監管和監督流程的約束。根據猶他州金融機構部的規定，工業銀行還被允許發放各種消費者和商業貸款，並接受聯邦保險的存款。</p>
<p>今年，特朗普政府推動了銀行特許申請，採取了放鬆監管的方式，以允許金融機構幫助促進增長。</p>
<p><strong>點擊這裏獲取 FOX 商業新聞的移動版</strong></p>
<p>上週，政府的貨幣監理辦公室向加密貨幣巨頭 Ripple 和 Circle 授予了初步批准，以探索建立國家信託銀行，這可能進一步將數字資產整合到美國銀行系統中。</p>
<p><em>路透社對此報告作出了貢獻。</em></p>

PYPL

<p>PayPal 已提交監管申請，計劃創建 PayPal Bank，這是一家旨在支持小型企業的工業貸款公司。該銀行將提供貸款解決方案、帶息儲蓄賬户，並尋求與卡網絡的直接會員資格。如果獲得批准，客户存款將享有 FDIC 保險保障。Mara McNeill 將擔任 PayPal Bank 的總裁。自 2013 年以來，PayPal 已向全球超過 420,000 個商業賬户提供了超過 300 億美元的貸款和流動資金</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 本週宣佈已提交監管申請，計劃創建 PayPal Bank，一家新的工業貸款公司，以支持小型企業。</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>該公司週一表示，已向猶他州金融機構部和聯邦存款保險公司（FDIC）提交了文件，以啓動 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，該銀行將使公司能夠為小型企業提供貸款解決方案以及帶利息的儲蓄賬户。它還計劃直接與卡網絡建立會員關係，以補充通過現有銀行關係進行的處理和結算活動。</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 的申請獲得批准，客户存款將享有 FDIC 保險保障，保護每位存款人在每家受保銀行的存款最高可達 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>小型企業報告每月價格上漲創紀錄，通脹壓力加大</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 宣佈計劃推出一家名為 PayPal Bank 的工業銀行，以滿足小型企業的金融服務需求。（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 首席執行官 Alex Chriss 表示：“獲得資金仍然是小型企業努力成長和擴展的重大障礙。建立 PayPal Bank 將增強我們的業務，提高我們的效率，使我們能夠更好地支持小型企業的增長和美國的經濟機會。”</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 選擇 Mara McNeill 擔任 PayPal Bank 的總裁。McNeill 在銀行、商業貸款和私募股權方面擁有超過 25 年的經驗。在加入 PayPal 之前，她曾擔任豐田金融儲蓄銀行的總裁兼首席執行官。</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>小型企業樂觀情緒上升，但業主表示合格工人仍然難以找到</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>小型企業將能夠在 PayPal Bank 獲得貸款和存款服務。（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>該公司的公告指出，自 2013 年以來，PayPal 已向全球超過 420,000 個商業賬户提供超過 300 億美元的貸款和流動資金。這種訪問幫助小型企業獲得所需的資金，以擴展、購買庫存或對其員工和商業設備進行投資。</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>工業銀行由各州以及 FDIC 監管（如果它們是會員）。與受《銀行控股公司法》（BHCA）監管的銀行不同，工業銀行是豁免的，不一定需要成為銀行控股公司，這使得非金融公司能夠擁有和運營工業銀行。</p>
</div><p><strong>SMALL BUSINESSES LEAD NOVEMBER JOB LOSSES AS TARIFF UNCERTAINTY WEIGHS ON HIRING</strong></p>
<div class="lb-trans"><p><strong>小型企業在 11 月失去工作崗位，關税不確定性對招聘造成壓力</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 首席執行官 Alex Chriss 表示，PayPal Bank 將幫助服務小型企業。（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>它們在其他方面也受到與其他銀行相同的監管和監督流程的約束。根據猶他州金融機構部的規定，工業銀行還被允許發放各種消費者和商業貸款，並接受聯邦保險的存款。</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，特朗普政府推動了銀行特許申請，採取了放鬆監管的方式，以允許金融機構幫助促進增長。</p>
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<div class="lb-trans"><p><strong>點擊這裏獲取 FOX 商業新聞的移動版</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>上週，政府的貨幣監理辦公室向加密貨幣巨頭 Ripple 和 Circle 授予了初步批准，以探索建立國家信託銀行，這可能進一步將數字資產整合到美國銀行系統中。</p>
</div><p><em>Reuters contributed to this report.</em></p>
<div class="lb-trans"><p><em>路透社對此報告作出了貢獻。</em></p>
</div>

PayPal plans to launch bank serving small businesses around the US

- PayPal 提交申請創建 PayPal Bank，以支持小企業融資需求。  
- 新銀行將提供貸款和高利息儲蓄賬户，力求優化小企業資金獲取。  
- CEO 表示，PayPal Bank 將推動小企業增長，改善經濟機會。

PayPal 計劃在美國推出一家服務小型企業的銀行