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TSB银行推出小企业专属借贷平台

本周,英国TSB银行宣布推出一款中小企业贷款的在线市场平台,让中小企业可以在一个平台上就找到各种借贷资金来源。平台将于今年5月正式面世,由TSB与FundingOptions合作完成。

此外,TSB银行还宣布推出自己的数字借贷平台,预计该平台推出后,可以直接为申请企业提供在线申请和信用审查服务,贷款总量可达数百万英镑。

此前,英国大约有90%的小型企业银行业务都是由大银行把控的。 TSB声称,对于很多许多小型企业来说,大银行可能是他们仅有的或者最常见的融资渠道,但是申请的成功率(尤其是针对首次申请者)可能会高达50%。

2013年,在政府的要求之下,TSB银行从劳埃德银行分拆出来。2015年,TSB银行被西班牙萨瓦德尔集团收购。去年,TSB呼吁竞争与市场管理局帮助“修复”破碎的英国银行市场,比如降低用户更换银行账户的难度,以及积极推广开放银行倡议。

Challenger bank TSB has unveiled its latest weapon in the fight against Britain's high street giants, a business marketplace where SMEs can compare financing options from a host of lenders in one place. Small business banking is dominated by the big banks that control over 90% of the market between them. TSB claims that many small businesses only approach the largest banks when seeking finance, and that a large number of these applications are rejected - in the case of first time start-up borrowers the rejection rate is around 50%.

TSB is working with FundingOptions to launch the Business Marketplace in May, helping small firms scan the market in minutes. The bank says that it is the only lender in the market that lets companies compare options from other providers alongside its own offers.

The bank is also gearing up to launch a digital lending platform, offering millions of pounds to firms that will be able to apply and receive instant credit checks and approval online.

TSB, which was spun off from Lloyds on government orders in 2013 before being bought by Spain's Sabadell Group in 2015, has become a vocal critic of the dominance enjoyed by a handful of UK banks. Last year it called on the Competition and Markets Authority to fix the UK's "broken banking market" by making it easier to switch bank accounts and derided the much-vaunted Open Banking revolution.


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