亚马逊、Facebook和沃尔玛等企业巨头可能很快就将冲击华尔街的业务，因为一个关键的美国监管部门为非银行机构从事贷款业务铺平了道路。
美国联邦存款保险公司（FDIC）周二批准了工业贷款公司（ILC）的监管法规，将允许大企业开展银行业务，同时又避免了专业金融公司在资本和流动性方面所受的约束。
FDIC董事长Jelena McWilliams表示：“监管法规将在FDIC对工业银行母公司的最低期望方面向市场参与者提供透明度。”
新规则将多年来在ILC牌照上的做法正式化。这个制度的创建是为了允许商业公司向工人提供小额贷款，但为他们发展成大型银行打开了方便之门。
今年早些时候发布的提案在银行业引发了竞争警觉，担心这些公司会利用庞大的客户群和有保证的客流来建立不容小觑的银行业务。而且他们可以为客户提供有政府支持的金融服务（包括FDIC的存款保护），而受到的监管要求更少。
银行家与民主党立法者正在呼吁停止批准新牌照，直到国会消除这个不公平的漏洞。
FDIC是美国联邦政府的独立金融机构。负责办理存款保险业务。该机构根据1933年银行法设立。从1934年1月1日起，对联邦储备系统所有会员银行以及申请参加联邦储备保险并符合条件的州银行，实行有法定限额的存款保险制度。该公司的资金来自投保银行每年按其存款总额1/3000缴付的保险费以及政府债券投资所获的利息，并有权在任何时候向财政部借入不超过30亿美元的资金。
Corporate giants such as Amazon, Facebook and Wal Mart may soon hit Wall Street as a key U.S. regulator paves the way for non bank institutions to engage in lending.
On Tuesday, the Federal Deposit Insurance Corporation (FDIC) approved industrial lending Corporation (ILC) regulations that will allow large companies to conduct banking while avoiding capital and liquidity constraints on professional financial firms.
"Regulatory regulations will provide transparency to market participants in terms of the FDIC's minimum expectations of ICBC's parent company," said Jelena McWilliams, FDIC chairman.
The new rules formalize years of practice on ILC licenses. The system was created to allow commercial companies to provide small loans to workers, but opened the way for them to develop into large banks.
The proposal, released earlier this year, has sparked competitive vigilance in the banking industry, fearing that these companies will use their huge customer base and guaranteed passenger flow to build a banking business that cannot be underestimated. Moreover, they can provide customers with government supported financial services (including FDIC deposit protection) with less regulatory requirements.
Bankers and Democratic lawmakers are calling for a halt to new licenses until Congress clears this unfair loophole.
FDIC is an independent financial institution of the federal government of the United States. Responsible for deposit insurance business. The institution was established under the banking act of 1933. Since January 1, 1934, a deposit insurance system with statutory limits has been implemented for all member banks of the Federal Reserve System and state banks that apply for Federal Reserve insurance and meet the requirements. The company is funded by insurance premiums paid by insured banks at 1 / 3000 of their total deposits per year and interest earned on government bond investments, and has the right to borrow no more than $3 billion from the Treasury at any time.
