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利率下滑、信用风险上升，东南亚数字银行面临盈利压力

市场观察人士称，维持存款基础以及将产品嵌入生态系统可能至关重要。

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Evan See

Evan See

Published Wed, Dec 17, 2025 · 11:00 AM
    • 包括 GXS Bank、MariBank 和 Trust Bank 在内，新加坡的数字银行均尚未实现盈利。
    • 包括 GXS Bank、MariBank 和 Trust Bank 在内，新加坡的数字银行均尚未实现盈利。 图片来源：CMG

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    【新加坡】随着利率下降和信用风险上升，东南亚的数字银行可能正迎来一个拐点，这为该行业尚处萌芽阶段的发展设置了障碍。

    对于该地区的许多数字银行而言，盈利之路仍然充满挑战。无论是新加坡还是马来西亚，都还没有任何一家数字银行实现盈利。

    不断下降的利率使东南亚数字银行的处境雪上加霜。面对市场的不确定性，该地区各国央行出人意料地放松了货币政策。

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