郭宇航等人否认他们在和银行竞争。相反,他们表示,他们的客户利用P2P贷款机构建立起信用记录,然后就有资格去申请传统的贷款。但是,新加坡星展银行(DBS)首席执行官高博德(Piyush Gupta)等银行家正在他们本土市场和想扩张的市场制定数字银行战略。以星展银行为例,该行想在印度市场扩张。
HSBC has an innovation committee studying new online models, the Shanghai executive says.Standard Chartered already holds a 10 per cent stake in Dianrong and could seek to buy more.But whether these institutions can change their lending and reliance on inflexible creditcriteria is an open question.
汇丰驻上海的那名高管表示,汇丰有一个研究新在线模式的创新委员会。渣打银行已持有点融网10%的股份,而且可能希望增持。但这些机构是否能改变自身的放贷模式、改用灵活的放贷标准,目前尚无定论。
Meanwhile, regulators are embracing internet finance companies as well. At the moment P2Plenders are at least partly the product of regulatory arbitrage, but their status will soon change.By year end, they will have to register with the Chinese regulators and be subject to rules,even if they will still have more freedom than the banks.
与此同时,监管机构也在拥抱互联网金融企业。当前,P2P贷款机构至少在一定程度上是监管套利的产物,但它们的地位将很快发生改变。年底前,它们将需要在中国的监管机构注册、接受规则制约,尽管它们仍将拥有比银行更大的自由。
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2020-09-15
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