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杰克·多西的广场银行将于2021年开业

2020-3-20 13:46

 

据Bitcoinist 3月19日报道,美国联邦存款保险公司(FDIC)已经批准比特币倡导者、推特首席执行官杰克·多西(Jack Dorsey)申请成立Square金融服务公司一事。这意味着,允许用比特币支付的金融服务和移动支付公司Square将很快能够提供商业贷款。

 

十年来首家获批的工业银行

 

联邦存款保险公司批准Square银行是一项重大举措。实际上,在过去10多年以来,此类工业银行(industrial bank)的申请从未获得批准。根据FDIC主席耶琳娜·麦克威廉姆斯(Jelena McWilliams)的声明:

 

FDIC基于《联邦存款保险法》中相同法定因素,评估了包括工业银行在内的所有存款保险申请。自FDIC上次批准工业银行或工业贷款公司的存款保险,已经过去十几年了。

 

Square金融服务公司将提供商业贷款

 

根据新闻稿,Square银行将使用Square的现有支付系统向商家提供商业贷款。其总部将设于美国犹他州盐湖城,但还尚需等待当地金融机构部门批准。

 

一旦批准通过,该银行应会在2021年正式开门营业。获得FDIC批准并非易事。实际上,存款保险的申请要接受严格审查进,必须符合七个(含)以上的不同因素标准,比如机构管理一般特征和适合性、机构资本结构及未来盈利前景。

 

同时,筹建这样的银行需要大量资金支持。根据官方批准令,多西必须至少筹集56,005,350美元的初始投入资本。

 

多西曾预测比特币将成为全球货币,并在未来十年内取代美元。Square掌舵人如此看好比特币发展,其涉足工业银行业务对加密领域无疑是一助力。

 

These include the “general character and fitness of the management of the institution,” the institution’s capital structure, and its future earnings prospects. It’s also not cheap to launch such a venture. According to the official Approval Order, Dorsey must stump up a minimum of $56,005,350 in initial paid-in capital funds.

 

Dorsey infamously predicted that BTC would become the global currency, taking over the dollar within the next decade. With such a powerful Bitcoin visionary at its helm, Square’s foray into industrial banking could be very bullish for the space indeed.Bitcoin advocate and Twitter CEO Jack Dorsey just had his application to launch Square Financial Services Inc. approved by the FDIC. This means that the U.S. financial services and mobile payment company whose cash app allows for payments in bitcoin will soon be able to issue loans to commercial merchants.


First Approval for Industrial Bank in Over 10 Years

 

The Federal Deposit Insurance Corporation (FDIC) approval for Dorsey’s “de novo” industrial bank is a significant move. In fact, no such application has been approved for more than 10 years. According to a statement by FDIC Chairman Jelena McWilliams:

 

    The FDIC evaluates all applications for deposit insurance, including those for industrial banks, based on the same statutory factors in the Federal Deposit Insurance Act. It has been more than a decade since the FDIC has approved deposit insurance for an industrial bank or industrial loan company.

 

Square Financial Services, Inc. to Provide Commercial Loans

 

According to the release, Dorsey’s bank will provide commercial loans to merchants using Square’s existing payments system. It will be headquartered in Salt Lake City, Utah, where it is still awaiting approval from the Utah Department of Financial Institutions.

 

Once this is received, it will mean that the bank should open its doors for its first commercial customers in 2021. Acquiring FDIC approval was no easy feat. In fact, applications for deposit insurance are heavily scrutinized. They must meet criteria based on no less than seven different factors.

 

 

原作者: Christina Comben 来自: bitcoin