泰国开泰研究中心近日发布报告指出，随着泰国中央银行批准设立无实体网点的虚拟银行，金融业竞争将加剧，并催生新型金融产品。报告认为，虚拟银行的问世将改变泰国金融行业的竞争格局，更好地满足新生代的生活方式，推动市场参与者取得成功。
泰国银行公布了批准虚拟银行的具体方针，包括申请和颁发经营许可证的标准、方法和条件。根据路线图，首批虚拟银行将于2026年开业。虚拟银行必须向未获得充分和适当金融服务的人群提供服务，且实收资本不少于50亿泰铢，在初始运营阶段后增至不少于100亿泰铢。这表明泰国央行希望出现大型虚拟银行，预示着客户市场上或将出现更加激烈的竞争。
目前，泰国家庭债务水平高企而储蓄率较低，这对虚拟银行参与者构成挑战。因此，虚拟银行需要具备初始资本的稳定性、金融银行业务的专业性以及应用数字技术进行大数据处理分析的能力。同时，完善与目标业务伙伴共同构建的生态系统，提高客户和自身风险管理效率，以对泰国经济与金融体系的总体发展产生积极作用。
随着虚拟银行的兴起，泰国金融业将迎来新的竞争格局和产品创新，预计将促进金融服务更加多元化，满足不同客户的需求，同时推动金融体系的现代化和国际化。
英语如下：
News Title: “Virtual Banking Trend: Thailand’s Financial Sector Faces New Competition”
Keywords: Virtual Bank, Thailand Finance, Increased Competition
News Content: The Thai Institute of Capacity recently released a report indicating that with the Thai Central Bank’s approval to establish virtual banks without physical branches, competition in the financial sector will intensify and spur the creation of new financial products. The report believes that the emergence of virtual banks will alter the competitive landscape of Thailand’s financial industry, better meet the lifestyle of the new generation, and drive market participants to success.
The Thai Bank has announced specific guidelines for the approval of virtual banks, including standards, methods, and conditions for applying and issuing operating licenses. According to the roadmap, the first batch of virtual banks will commence operations in 2026. Virtual banks must provide services to populations that have not received adequate and appropriate financial services, with a minimum paid-up capital of 5 billion Thai Baht, increasing to at least 10 billion Thai Baht after the initial operational phase. This indicates that the Central Bank of Thailand aims for the emergence of large virtual banks, hinting at potentially more intense competition in the customer market.
Currently, Thailand’s household debt levels are high while savings rates are low, presenting a challenge to virtual bank participants. Therefore, virtual banks need to possess the stability of initial capital, the professionalism of banking financial services, and the ability to handle big data analysis using digital technology. At the same time, they must develop an ecosystem in collaboration with target business partners, improve customer and self-risk management efficiency, and contribute positively to the overall development of Thailand’s economy and financial system.
With the rise of virtual banks, Thailand’s financial sector will witness a new competitive landscape and product innovation, which is expected to promote a more diverse range of financial services, meet the needs of different customers, and drive the modernization and internationalization of the financial system.
【来源】http://www.chinanews.com/gj/2024/08-15/10269625.shtml
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