{"id":4166,"date":"2020-07-22T17:46:32","date_gmt":"2020-07-22T09:46:32","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=4166"},"modified":"2020-09-02T14:29:30","modified_gmt":"2020-09-02T06:29:30","slug":"%e8%99%9b%e6%93%ac%e9%8a%80%e8%a1%8c%e8%88%8a%e9%85%92%e6%96%b0%e7%93%b6%ef%bc%9f%e7%94%9f%e6%85%8b%e7%b3%bb%e7%b5%b1%e6%98%af%e7%ad%94%e6%a1%88%e5%97%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/07\/22\/%e8%99%9b%e6%93%ac%e9%8a%80%e8%a1%8c%e8%88%8a%e9%85%92%e6%96%b0%e7%93%b6%ef%bc%9f%e7%94%9f%e6%85%8b%e7%b3%bb%e7%b5%b1%e6%98%af%e7%ad%94%e6%a1%88%e5%97%8e%ef%bc%9f\/","title":{"rendered":"\u865b\u64ec\u9280\u884c\u820a\u9152\u65b0\u74f6\uff1f\u751f\u614b\u7cfb\u7d71\u662f\u7b54\u6848\u55ce\uff1f"},"content":{"rendered":"\n<p>\u4eca\u5929\u4f01\u696d\u9280\u884c\u670d\u52d9\u7684\u75db\u9ede\u662f\u751a\u9ebc\uff1f\u4e2d\u5c0f\u4f01\u6b20\u7f3a\u62b5\u62bc\u54c1\u96e3\u4ee5\u8cb8\u6b3e\uff1f\u7533\u8acb\u670d\u52d9\u6d41\u7a0b\u7e41\u8907\uff1f\u9280\u884c\u5229\u606f\u6536\u8cbb\u592a\u9ad8\uff1f\u5ba2\u6236\u670d\u52d9\u9ad4\u9a57\u6b20\u4f73\uff1f\u5f9e2019\u5e74\u8d77\uff0c<a href=\"https:\/\/www.hkma.gov.hk\/chi\/key-functions\/banking\/banking-regulatory-and-supervisory-regime\/virtual-banks\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">\u91d1\u7ba1\u5c40\u5148\u5f8c\u767c\u51fa8\u500b\u300c\u865b\u64ec\u9280\u884c\u300d\uff08virtual bank\uff09\u724c\u7167<\/a>\uff0c\u5305\u62ecMOX\uff0cLIVI\uff0c\u773e\u5b89\u9280\u884c\uff0c\u5bcc\u878d\u9280\u884c\uff0c\u5e73\u5b89\u58f9\u8cec\u901a\u9280\u884c\uff0c\u532f\u7acb\u9280\u884c\uff0c\u5929\u661f\u9280\u884c\u53ca\u879e\u87fb\u9280\u884c\uff0c\u70ba\u9999\u6e2f\u9280\u884c\u696d\u52d9\u79d1\u6280\u5316\u63ed\u958b\u65b0\u7684\u5e8f\u5e55\u3002\u7576\u4e2d\u6709\u90e8\u5206\u865b\u64ec\u9280\u884c\u76ee\u6a19\u5ba2\u6236\u70ba\u516c\u53f8\u53ca\u4e2d\u5c0f\u4f01\uff0c\u4ea6\u540c\u6642\u5f37\u8abf\u5efa\u7acb\u300c\u751f\u614b\u7cfb\u7d71\u300d\uff0c\u767c\u5c55\u53ef\u8b02\u5982\u706b\u5982\u837c\u3002\u7136\u800c\u5176\u51fa\u73fe\u80fd\u5426\u771f\u7684\u70ba\u9280\u884c\u4e43\u81f3\u91d1\u878d\u696d\u754c\u5e36\u4f86\u65b0\u7a81\u7834\uff1f\u9084\u662f\u53ea\u662f\u820a\u9152\u65b0\u74f6\uff0c\u63db\u6e6f\u4e0d\u63db\u85e5\uff0c\u8f49\u63db\u5f62\u5f0f\u800c\u5df2\uff1f<\/p>\n\n\n\n<p>\u5728\u63a2\u8a0e\u9019\u500b\u554f\u984c\u524d\uff0c\u6211\u5011\u5148\u4e86\u89e3\u904e\u53bb\u534a\u5e74\u865b\u64ec\u9280\u884c\u5728\u6e2f\u904b\u4f5c\u60c5\u6cc1\u3002\u7d9c\u54085\u9593\u5df2\u71df\u904b\u53ca\u8a66\u696d\u7684\u865b\u64ec\u9280\u884c\uff0c\u53ef\u4ee5\u7c21\u55ae\u6b78\u7d0d\u5e7e\u500b\u5df2\u63a8\u51fa\u7684\u8ce3\u9ede\uff1a<\/p>\n\n\n\n<ol type=\"1\"><li>\u6578\u78bc\u6e20\u9053\uff1a\u57fa\u672c\u4e0a\u6240\u6709\u5df2\u63a8\u51fa\u7684\u670d\u52d9\u90fd\u662f\u624b\u6a5f\u61c9\u7528\u7a0b\u5f0f\u958b\u6236\u548c\u5b8c\u6210\u4ea4\u6613\u3002<\/li><li>\u50f9\u683c\u6536\u8cbb\uff1a\u66f4\u9ad8\u7684\u6d3b\u671f\u5b9a\u671f\u5229\u7387\u3001\u8f03\u4f4e\u8cb8\u6b3e\u5229\u606f\uff0c\u6216\u6e1b\u5c11\u4e0d\u5fc5\u8981\u7684\u9280\u884c\u6536\u8cbb<\/li><li>\u7121\u5361\u865f\u6263\u8cec\u54ad\uff1a\u4e3b\u8981\u56de\u61c9\u6578\u78bc\u4fdd\u5b89\uff0c\u6e1b\u5c11\u88ab\u76dc\u7528\u98a8\u96aa\u3002<\/li><li>\u7528\u6236\u4ecb\u9762\/\u9ad4\u9a57\uff1a\u8f03\u50b3\u7d71\u9280\u884c\u70ba\u751f\u6d3b\u5316\u3001\u7c21\u6f54\u6216\u6642\u5c1a\u7684\u8a2d\u8a08\u3002<\/li><\/ol>\n\n\n\n<p>\u9019\u4e9b\u670d\u52d9\u770b\u4f3c\u65b0\u5947\uff0c\u4f46\u662f\u5426\u7b26\u5408\u6211\u5011\u4e00\u958b\u59cb\u5c0d\u65bc\u865b\u64ec\u9280\u884c\u7684\u60f3\u50cf\u5462\uff1f\u5728\u63d0\u4f9b\u6578\u78bc\u6e20\u9053\u4e0a\uff0c\u5927\u578b\u50b3\u7d71\u9280\u884c\uff0c\u4f8b\u5982\u532f\u8c50\uff0c\u6e23\u6253\uff0c\u4e2d\u9280\u7b49\u4e5f\u6709\u81ea\u5df1\u7684\u624b\u6a5f\u61c9\u7528\u7a0b\u5f0f\uff0c\u5e02\u6c11\u4e5f\u53ef\u4ee5\u5728\u7a0b\u5f0f\u4e0a\u5b8c\u6210\u4ea4\u6613\u3002\u5728\u50f9\u683c\u6536\u8cbb\u4e0a\uff0c\u50b3\u7d71\u9280\u884c\u7684\u8cc7\u672c\u7d55\u4e0d\u6bd4\u865b\u64ec\u9280\u884c\u5c11\uff0c\u5018\u82e5\u8981\u8207\u865b\u64ec\u9280\u884c\u7af6\u722d\uff0c\u63d0\u9ad8\u5229\u7387\u53ca\u6e1b\u4f4e\u8cb8\u6b3e\u5229\u606f\u4e5f\u61c9\u8a72\u4e0d\u662f\u554f\u984c\u3002\u81f3\u65bc\u7121\u5361\u865f\u6263\u8cec\u54ad\uff0c\u5148\u4e0d\u8ad6\u5e02\u6c11\u5c0d\u9019\u985e\u54ad\u7684\u9700\u6c42\u6709\u591a\u5c11\uff0c\u4f46\u50b3\u7d71\u9280\u884c\u8981\u751f\u7522\u540c\u985e\u578b\u5361\u5728\u6280\u8853\u4e0a\u4ea6\u4e0d\u96e3\u3002\u91dd\u5c0d\u6700\u5f8c\u4e00\u9ede\uff0c\u4fbf\u66f4\u52a0\u7c21\u55ae\u3002\u8f49\u63db\u539f\u6709\u4ecb\u9762\u8a2d\u8a08\u73ed\u5e95\uff0c\u540c\u6a23\u80fd\u5920\u4ee4\u4ecb\u9762\u8b8a\u5f97\u751f\u6d3b\u5316\u53ca\u6642\u5c1a\u3002 \u7576\u7136\uff0c\u865b\u64ec\u9280\u884c\u5728\u6e2f\u71df\u904b\u4e5f\u4e0d\u8db3\u4e00\u5e74\uff0c\u76f4\u63a5\u8207\u5c79\u7acb\u591a\u5e74\u7684\u50b3\u7d71\u9280\u884c\u6bd4\u8f03\u4e5f\u4e26\u4e0d\u516c\u5e73\u3002 \u9019\u88e1\u4e5f\u4e0d\u662f\u8981\u8cb6\u4f4e\u865b\u64ec\u9280\u884c\u7684\u5b58\u5728\u50f9\u503c\uff0c\u800c\u662f\u7576\u865b\u64ec\u9280\u884c\u7684\u8ce3\u9ede\u80fd\u5920\u8f15\u6613\u88ab\u50b3\u7d71\u9280\u884c\u53d6\u4ee3\u6642\uff0c\u865b\u64ec\u9280\u884c\u80fd\u5426\u6709\u8db3\u5920\u5e95\u6c23\u5e36\u52d5\u9999\u6e2f\u91d1\u878d\u696d\u79d1\u6280\u5316\uff0c\u548c\u5176\u4ed6\u6301\u4efd\u8005\u5171\u540c\u5efa\u7acb\u300c\u751f\u614b\u7cfb\u7d71\u300d\u4ee5\u7372\u5f97\u66f4\u591a\u6a5f\u9047\uff0c\u6709\u6548\u63d0\u5347\u9280\u884c\u670d\u52d9\u80fd\u529b\uff1f\u540c\u6642\uff0c\u7a76\u7adf\u751f\u614b\u7cfb\u7d71\u70ba\u4ec0\u9ebc\u9019\u9ebc\u91cd\u8981\u5462\uff1f<\/p>\n\n\n\n<p>\u5728\u9ea5\u5065\u6642\u516c\u53f8\uff08McKinsey &amp; Company \uff09\u8f03\u65e9\u524d\u767c\u8868\u7684<a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/The%20power%20of%20many%20Corporate%20banking%20in%20an%20ecosystem%20world\/The-power-of-many-Corporate-banking-in-an-ecosystem-world.pdf\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"> The power of many: Corporate banking in an ecosystem world<\/a>\u66fe\u63d0\u5230 \u300c\u4f01\u696d\u9280\u884c\u751f\u614b\u7cfb\u7d71\u300d\u80fd\u5920\u70ba\u5ba2\u6236\u548c\u670d\u52d9\u63d0\u4f9b\u8005\u5e36\u4f86\u56db\u5927\u597d\u8655\u3002<\/p>\n\n\n\n<ol><li>\u55ae\u4e00\u7684\u9580\u6236\u63a5\u89f8\u66f4\u5ee3\u6ff6\u7684\u7522\u54c1\u670d\u52d9\uff1a\u76f8\u5c0d\u8d77\u55ae\u4e00\u7684\u91d1\u878d\u6a5f\u69cb\uff0c\u751f\u614b\u7cfb\u7d71\u80fd\u5920\u9023\u63a5\u5176\u4ed6\u9280\u884c\u6216\u5176\u4ed6\u975e\u9280\u884c\u91d1\u878d\u6a5f\u69cb\u3001\u91d1\u878d\u79d1\u6280\u3001\u5927\u578b\u4f01\u696d\u548c\u5c08\u696d\u670d\u52d9\u516c\u53f8\u7b49\u773e\u591a\u884c\u696d\uff0c\u6210\u70ba\u5408\u4f5c\u5925\u4f34\uff0c\u4ee5\u63d0\u4f9b\u6574\u5957\u89e3\u6c7a\u65b9\u6848\u3002<\/li><li>\u516c\u53f8\u9593\u7684\u5408\u4f5c\u548c\u670d\u52d9\u9023\u63a5\u80fd\u5920\u5e36\u4f86\u66f4\u591a\u65b0\u578b\u696d\u52d9\u6a21\u5f0f\uff0c\u4ea4\u53c9\u92b7\u552e\u548c\u8a0a\u606f\u5171\u4eab\u3002<\/li><li>\u751f\u614b\u7cfb\u7d71\u4fbf\u5229\u65bc\u62d3\u5c55\u5340\u57df\u5e02\u5834\u548c\u5ba2\u6236\u7fa4\u3002<\/li><li>\u591a\u65b9\u9762\u7684\u4ea4\u6613\u548c\u7269\u6d41\u4fe1\u606f\u5efa\u7acb\u6709\u6548\u7684\u98a8\u96aa\u7ba1\u7406\uff1a\u4f8b\u5982<a href=\"https:\/\/www.bbva.com\/en\/nine-terms-need-know-understand-transaction-banking\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"> Host-to-host transaction \uff08H2H\uff09<\/a>\u80fd\u5920\u9a57\u8b49\u6bcf\u55ae\u4ea4\u6613\u7684\u771f\u5be6\u6027\u53ca\u5176\u80cc\u5f8c\u80fd\u5920\u652f\u6301\u7684\u4fe1\u8cb8\u984d\u5ea6\u4ee5\u548c\u8cb8\u6b3e\u5f8c\u7ba1\u7406\u3002&nbsp;<\/li><\/ol>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c 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href=\"http:\/\/tradelink-ebiz.com\/pr_pdf\/20200629_PAOB_c.pdf\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer 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