{"id":4173,"date":"2020-07-22T17:46:43","date_gmt":"2020-07-22T09:46:43","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=4173"},"modified":"2020-07-22T17:46:44","modified_gmt":"2020-07-22T09:46:44","slug":"%e8%99%9a%e6%8b%9f%e9%93%b6%e8%a1%8c%e6%97%a7%e9%85%92%e6%96%b0%e7%93%b6%ef%bc%9f%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f%e6%98%af%e7%ad%94%e6%a1%88%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2020\/07\/22\/%e8%99%9a%e6%8b%9f%e9%93%b6%e8%a1%8c%e6%97%a7%e9%85%92%e6%96%b0%e7%93%b6%ef%bc%9f%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f%e6%98%af%e7%ad%94%e6%a1%88%e5%90%97%ef%bc%9f\/","title":{"rendered":"\u865a\u62df\u94f6\u884c\u65e7\u9152\u65b0\u74f6\uff1f\u751f\u6001\u7cfb\u7edf\u662f\u7b54\u6848\u5417\uff1f"},"content":{"rendered":"\n<p>\u4eca\u5929\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\u7684\u75db\u70b9\u662f\u4ec0\u4e48\uff1f\u4e2d\u5c0f\u4f01\u6b20\u7f3a\u62b5\u62bc\u54c1\u96be\u4ee5\u8d37\u6b3e\uff1f\u7533\u8bf7\u670d\u52a1\u6d41\u7a0b\u7e41\u590d\uff1f\u94f6\u884c\u5229\u606f\u6536\u8d39\u592a\u9ad8\uff1f\u5ba2\u6237\u670d\u52a1\u4f53\u9a8c\u6b20\u4f73\uff1f\u4ece2019\u5e74\u8d77\uff0c<a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.hkma.gov.hk\/chi\/key-functions\/banking\/banking-regulatory-and-supervisory-regime\/virtual-banks\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u91d1\u7ba1\u5c40\u5148\u540e\u53d1\u51fa8\u4e2a\u300c\u865a\u62df\u94f6\u884c\u300d\uff08virtual bank\uff09\u724c\u7167<\/a>\uff0c\u5305\u62ecMOX\uff0cLIVI\uff0c\u4f17\u5b89\u94f6\u884c\uff0c\u5bcc\u878d\u94f6\u884c\uff0c\u5e73\u5b89\u58f9\u8d26\u901a\u94f6\u884c\uff0c\u6c47\u7acb\u94f6\u884c\uff0c\u5929\u661f\u94f6\u884c\u53ca\u8682\u8681\u94f6\u884c\uff0c\u4e3a\u9999\u6e2f\u94f6\u884c\u4e1a\u52a1\u79d1\u6280\u5316\u63ed\u5f00\u65b0\u7684\u5e8f\u5e55\u3002\u5f53\u4e2d\u6709\u90e8\u5206\u865a\u62df\u94f6\u884c\u76ee\u6807\u5ba2\u6237\u4e3a\u516c\u53f8\u53ca\u4e2d\u5c0f\u4f01\uff0c\u4ea6\u540c\u65f6\u5f3a\u8c03\u5efa\u7acb\u300c\u751f\u6001\u7cfb\u7edf\u300d\uff0c\u53d1\u5c55\u53ef\u8c13\u5982\u706b\u5982\u837c\u3002\u7136\u800c\u5176\u51fa\u73b0\u80fd\u5426\u771f\u7684\u4e3a\u94f6\u884c\u4e43\u81f3\u91d1\u878d\u4e1a\u754c\u5e26\u6765\u65b0\u7a81\u7834\uff1f\u8fd8\u662f\u53ea\u662f\u65e7\u9152\u65b0\u74f6\uff0c\u6362\u6c64\u4e0d\u6362\u836f\uff0c\u8f6c\u6362\u5f62\u5f0f\u800c\u5df2\uff1f<\/p>\n\n\n\n<p>\u5728\u63a2\u8ba8\u8fd9\u4e2a\u95ee\u9898\u524d\uff0c\u6211\u4eec\u5148\u4e86\u89e3\u8fc7\u53bb\u534a\u5e74\u865a\u62df\u94f6\u884c\u5728\u6e2f\u8fd0\u4f5c\u60c5\u51b5\u3002\u7efc\u54085\u95f4\u5df2\u8425\u8fd0\u53ca\u8bd5\u4e1a\u7684\u865a\u62df\u94f6\u884c\uff0c\u53ef\u4ee5\u7b80\u5355\u5f52\u7eb3\u51e0\u4e2a\u5df2\u63a8\u51fa\u7684\u5356\u70b9\uff1a<\/p>\n\n\n\n<ol><li>\u6570\u7801\u6e20\u9053\uff1a\u57fa\u672c\u4e0a\u6240\u6709\u5df2\u63a8\u51fa\u7684\u670d\u52a1\u90fd\u662f\u624b\u673a\u5e94\u7528\u7a0b\u5f0f\u5f00\u6237\u548c\u5b8c\u6210\u4ea4\u6613\u3002 <\/li><li>\u4ef7\u683c\u6536\u8d39\uff1a\u66f4\u9ad8\u7684\u6d3b\u671f\u5b9a\u671f\u5229\u7387\u3001\u8f83\u4f4e\u8d37\u6b3e\u5229\u606f\uff0c\u6216\u51cf\u5c11\u4e0d\u5fc5\u8981\u7684\u94f6\u884c\u6536\u8d39<\/li><li>\u65e0\u5361\u53f7\u6263\u8d26\u54ad\uff1a\u4e3b\u8981\u56de\u5e94\u6570\u7801\u4fdd\u5b89\uff0c\u51cf\u5c11\u88ab\u76d7\u7528\u98ce\u9669\u3002<\/li><li>\u7528\u6237\u4ecb\u9762\/\u4f53\u9a8c\uff1a\u8f83\u4f20\u7edf\u94f6\u884c\u4e3a\u751f\u6d3b\u5316\u3001\u7b80\u6d01\u6216\u65f6\u5c1a\u7684\u8bbe\u8ba1\u3002<\/li><\/ol>\n\n\n\n<p>\u8fd9\u4e9b\u670d\u52a1\u770b\u4f3c\u65b0\u5947\uff0c\u4f46\u662f\u5426\u7b26\u5408\u6211\u4eec\u4e00\u5f00\u59cb\u5bf9\u4e8e\u865a\u62df\u94f6\u884c\u7684\u60f3\u50cf\u5462\uff1f\u5728\u63d0\u4f9b\u6570\u7801\u6e20\u9053\u4e0a\uff0c\u5927\u578b\u4f20\u7edf\u94f6\u884c\uff0c\u4f8b\u5982\u6c47\u4e30\uff0c\u6e23\u6253\uff0c\u4e2d\u94f6\u7b49\u4e5f\u6709\u81ea\u5df1\u7684\u624b\u673a\u5e94\u7528\u7a0b\u5f0f\uff0c\u5e02\u6c11\u4e5f\u53ef\u4ee5\u5728\u7a0b\u5f0f\u4e0a\u5b8c\u6210\u4ea4\u6613\u3002\u5728\u4ef7\u683c\u6536\u8d39\u4e0a\uff0c\u4f20\u7edf\u94f6\u884c\u7684\u8d44\u672c\u7edd\u4e0d\u6bd4\u865a\u62df\u94f6\u884c\u5c11\uff0c\u5018\u82e5\u8981\u4e0e\u865a\u62df\u94f6\u884c\u7ade\u4e89\uff0c\u63d0\u9ad8\u5229\u7387\u53ca\u51cf\u4f4e\u8d37\u6b3e\u5229\u606f\u4e5f\u5e94\u8be5\u4e0d\u662f\u95ee\u9898\u3002\u81f3\u4e8e\u65e0\u5361\u53f7\u6263\u8d26\u54ad\uff0c\u5148\u4e0d\u8bba\u5e02\u6c11\u5bf9\u8fd9\u7c7b\u54ad\u7684\u9700\u6c42\u6709\u591a\u5c11\uff0c\u4f46\u4f20\u7edf\u94f6\u884c\u8981\u751f\u4ea7\u540c\u7c7b\u578b\u5361\u5728\u6280\u672f\u4e0a\u4ea6\u4e0d\u96be\u3002\u9488\u5bf9\u6700\u540e\u4e00\u70b9\uff0c\u4fbf\u66f4\u52a0\u7b80\u5355\u3002\u8f6c\u6362\u539f\u6709\u4ecb\u9762\u8bbe\u8ba1\u73ed\u5e95\uff0c\u540c\u6837\u80fd\u591f\u4ee4\u4ecb\u9762\u53d8\u5f97\u751f\u6d3b\u5316\u53ca\u65f6\u5c1a\u3002\u5f53\u7136\uff0c\u865a\u62df\u94f6\u884c\u5728\u6e2f\u8425\u8fd0\u4e5f\u4e0d\u8db3\u4e00\u5e74\uff0c\u76f4\u63a5\u4e0e\u5c79\u7acb\u591a\u5e74\u7684\u4f20\u7edf\u94f6\u884c\u6bd4\u8f83\u4e5f\u5e76\u4e0d\u516c\u5e73\u3002\u8fd9\u91cc\u4e5f\u4e0d\u662f\u8981\u8d2c\u4f4e\u865a\u62df\u94f6\u884c\u7684\u5b58\u5728\u4ef7\u503c\uff0c\u800c\u662f\u5f53\u865a\u62df\u94f6\u884c\u7684\u5356\u70b9\u80fd\u591f\u8f7b\u6613\u88ab\u4f20\u7edf\u94f6\u884c\u53d6\u4ee3\u65f6\uff0c\u865a\u62df\u94f6\u884c\u80fd\u5426\u6709\u8db3\u591f\u5e95\u6c14\u5e26\u52a8\u9999\u6e2f\u91d1\u878d\u4e1a\u79d1\u6280\u5316\uff0c\u548c\u5176\u4ed6\u6301\u4efd\u8005\u5171\u540c\u5efa\u7acb\u300c\u751f\u6001\u7cfb\u7edf\u300d\u4ee5\u83b7\u5f97\u66f4\u591a\u673a\u9047\uff0c\u6709\u6548\u63d0\u5347\u94f6\u884c\u670d\u52a1\u80fd\u529b\uff1f\u540c\u65f6\uff0c\u7a76\u7adf\u751f\u6001\u7cfb\u7edf\u4e3a\u4ec0\u4e48\u8fd9\u4e48\u91cd\u8981\u5462\uff1f<\/p>\n\n\n\n<p>\u5728\u9ea6\u5065\u65f6\u516c\u53f8\uff08McKinsey &amp; Company \uff09\u8f83\u65e9\u524d\u53d1\u8868\u7684 <a aria-label=\"undefined (opens in a new tab)\" 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\" rel=\"noreferrer noopener\">The power of many: Corporate banking in an ecosystem world<\/a>\u66fe\u63d0\u5230 \u300c\u4f01\u4e1a\u94f6\u884c\u751f\u6001\u7cfb\u7edf\u300d\u80fd\u591f\u4e3a\u5ba2\u6237\u548c\u670d\u52a1\u63d0\u4f9b\u8005\u5e26\u6765\u56db\u5927\u597d\u5904\u3002<\/p>\n\n\n\n<ol><li>\u5355\u4e00\u7684\u95e8\u6237\u63a5\u89e6\u66f4\u5e7f\u6ff6\u7684\u4ea7\u54c1\u670d\u52a1\uff1a\u76f8\u5bf9\u8d77\u5355\u4e00\u7684\u91d1\u878d\u673a\u6784\uff0c\u751f\u6001\u7cfb\u7edf\u80fd\u591f\u8fde\u63a5\u5176\u4ed6\u94f6\u884c\u6216\u5176\u4ed6\u975e\u94f6\u884c\u91d1\u878d\u673a\u6784\u3001\u91d1\u878d\u79d1\u6280\u3001\u5927\u578b\u4f01\u4e1a\u548c\u4e13\u4e1a\u670d\u52a1\u516c\u53f8\u7b49\u4f17\u591a\u884c\u4e1a\uff0c\u6210\u4e3a\u5408\u4f5c\u4f19\u4f34\uff0c\u4ee5\u63d0\u4f9b\u6574\u5957\u89e3\u51b3\u65b9\u6848\u3002<\/li><li>\u516c\u53f8\u95f4\u7684\u5408\u4f5c\u548c\u670d\u52a1\u8fde\u63a5\u80fd\u591f\u5e26\u6765\u66f4\u591a\u65b0\u578b\u4e1a\u52a1\u6a21\u5f0f\uff0c\u4ea4\u53c9\u9500\u552e\u548c\u8baf\u606f\u5171\u4eab\u3002<\/li><li>\u751f\u6001\u7cfb\u7edf\u4fbf\u5229\u4e8e\u62d3\u5c55\u533a\u57df\u5e02\u573a\u548c\u5ba2\u6237\u7fa4\u3002<\/li><li>\u591a\u65b9\u9762\u7684\u4ea4\u6613\u548c\u7269\u6d41\u4fe1\u606f\u5efa\u7acb\u6709\u6548\u7684\u98ce\u9669\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\u591f\u9a8c\u8bc1\u6bcf\u5355\u4ea4\u6613\u7684\u771f\u5b9e\u6027\u53ca\u5176\u80cc\u540e\u80fd\u591f\u652f\u6301\u7684\u4fe1\u8d37\u989d\u5ea6\u4ee5\u548c\u8d37\u6b3e\u540e\u7ba1\u7406\u3002<\/li><\/ol>\n\n\n\n<p>\u7b80\u5355\u6765\u8bf4\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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