PayPal公司寻求美国银行章程,直接提供贷款和扩大金融服务。 PayPal seeks U.S. banking charter to offer loans and expand financial services directly.

PayPal已经向美国货币主计长办公室申请国家银行章程,标志着朝启动自己的银行迈出了一大步。 PayPal has applied to the U.S. Office of the Comptroller of the Currency for a national banking charter, marking a major step toward launching its own bank. 如果获得批准,该公司将能够绕过传统的银行伙伴,直接提供小企业贷款并扩大金融服务。 If approved, the company would be able to offer small business loans and expand its financial services directly, bypassing traditional banking partners. 这一举动反映出PayPal推动深化其在金融服务中的作用,并更直接地与银行和Fintech竞争对手竞争。 The move reflects PayPal’s push to deepen its role in financial services and compete more directly with banks and fintech rivals. 申请正在审查中,可能在今后几个月内作出决定。 The application is under review, and a decision could come in the coming months.