[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"content-doc-dcio208e0bb8":3},{"user":4,"document":8,"mainDocument":27,"columnUrl":29,"subscription":30,"footer":42,"text":80},{"isAuthenticated":5,"isAdmin":5,"displayName":6,"avatarUrl":6,"nid":6,"groupLevel":7},false,"",-10,{"id":9,"fullTitle":10,"subTitle":6,"url":11,"columnId":12,"columnName":13,"columnUrl":14,"summary":6,"contentHtml":15,"mainContentHtml":6,"posterUrl":16,"createDate":17,"displayDate":18,"displayDateSlash":19,"pageviews":20,"tags":21,"hidden":5,"isSubContent":5,"replyDocOrTargetId":6,"contentType":23,"videoId":6,"liveVideoUrl":6,"useContentVideo":5,"duration":24,"price":24,"priceText":25,"priceBadgeText":25,"priceBadgeClass":26,"freeForMinGroupLevel":24,"redirectUrl":6,"readyToStream":5},"dcio208e0bb8","砸5.9亿美元收购Stride银行“买牌照”，Chime(CHYM)从金融科技“挑战者”加冕为“持牌银行”","\u002Fdoc\u002Fdcio208e0bb8","col18178739ee","美股资讯","\u002Fcol\u002Fcol18178739ee","\u003Cp> \u003C\u002Fp>\n\u003Cp>\u003Cspan>美股投资网获悉，Chime Financial Inc.(CHYM)达成协议，以5.9亿美元现金收购其长期合作伙伴Stride Bank，此举标志着这家金融科技公司迈出运营整合的关键一步。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>根据周二发布的声明，Stride将更名为Chime Bank，并成为Chime的全资子公司。过去七年多来，Stride一直是Chime的银行合作伙伴之一，但Chime此前亦与Bancorp Bank存在合作。交易完成后，Chime表示将把所有银行业务整合至Stride，并计划在“可预见的未来”将该行资产规模控制在100亿美元以下。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>Chime多年来为客户提供支票账户及其他金融产品，通过自身成为银行，未来将以更低成本模式开展此类业务。减少对外部合作伙伴的依赖，既为Chime节省了部分费用，也通过吸纳自有存款降低了资金成本，同时赋予公司对服务流程更大的自主把控权。Chime预计，本次交易将带来约1亿美元的净协同效应。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>截至发稿，Chime股价盘后大涨9.3%，而Bancorp股价则重挫11.5%。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>Chime首席执行官Chris Britt在接受采访时表示“尽管我们旗下将拥有银行牌照子公司，但我们无意蜕变为传统银行那种高度依赖收费驱动的模式。我们将此视为自身从挑战者向行业领导者演进过程中的关键里程碑，这是极具战略意义的一步。”\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>受此提振，Chime上调了业绩指引。第三季度营收预期由此前的6.8亿至6.9亿美元上调至7.05亿美元;全年营收预期则从约27.3亿至27.5亿美元上调至27.6亿至27.7亿美元。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>在特朗普政府更为宽松的监管环境下，Chime的众多竞争对手纷纷寻求获得美国银行牌照。就在上周，总部位于英国的Revolut Ltd.已获得美国银行牌照的有条件批准，此前Nu Holdings Ltd.等机构亦已先行一步。此外，还有一批数字资产企业也已提交了银行牌照申请。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>Britt表示，相较于申请新设银行牌照，直接收购现有银行有助于加快进军银行业的步伐，并使Chime能够保留其与Stride已共同构建的诸多业务流程。金融科技同行SoFi Technologies Inc.和Happen Inc.(原LendingClub)此前亦通过收购银行实现类似转型。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>Britt指出“通过收购，我们可以更快实现战略愿景，无需经历繁琐的审批流程以及新设牌照通常伴随的缓慢爬坡期。”他还提到，申请新设牌照需占用大量资本，“我们更倾向于将资金部署到一家运营成熟、团队可信、净资产收益率高且已实现盈利的银行中。”\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>Chime的营收主要来源于客户借记卡交易产生的手续费收入。Britt表示，这一模式不会改变，因为公司计划将资产规模维持在关键的100亿美元门槛以下——一旦突破该水平，银行将面临借记卡手续费上限的监管约束。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>声明称，本次交易预计将于2027年上半年完成，尚需获得监管机构批准。\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>最专业的美股资讯,推荐美股大数据 \u003Ca href=\"https:\u002F\u002FStockwe.com\u002F\">https:\u002F\u002FStockwe.com\u002F\u003C\u002Fa>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan>如何识别美股市场异常波动？美国机构主力资金买卖情况，出货和吸筹，使用美股投资网VIP会员，2008年成立于美国硅谷，由前纽约证券交易所分析师Ken创立，联合多位摩根斯坦利分析师，谷歌 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buy@TradesMax.com 美国电话 626-378-3637","公司介绍","\u003Cp class=\"MsoNormal\">美股大数据 \u003Ca href=\"https:\u002F\u002Fstockwe.com\" rel=\"noopener\">StockWe.com\u003C\u002Fa> 是一个美国领先的金融和美股信息大数据提供商，紧盯华尔街金融市场和行情，2008年成立于美国硅谷，创始人是前纽约证券交易所资深分析师Ken，联合多位摩根斯坦利分析师，谷歌 Meta工程师利用AI和大数据，配合十多年美股实战经验和业内量化交易模型，每天处理海量股票数据：挖掘潜力大牛股，捕捉期权异动大单，实时主力资金流向、机构持仓变化、川普突发新闻，美股买卖信号第一时间发到您手机APP。\u003C\u002Fp>","专业美股投资者都在这里",{"loading":81,"search":82,"searchPlaceholder":82,"hotContent":83,"draft":84,"noData":85,"searchNoData":86,"courseContent":87,"more":88,"buyNow":89,"subscribeNow":90,"encoding":91,"paidContent":92},"Loading...","搜索","热门内容","草稿","目前没有任何内容公布","当前检索内容没有数据","课程内容","更多","立即购买后观看","- 立即订阅 -","视频编码中...","付费内容"]