特朗普政府监管松动，美版支付宝PayPal申请成立银行

Group 1 - PayPal has applied to establish a bank in the U.S. to leverage the Trump administration's favorable stance towards fintech companies entering the banking system [1] - The proposed bank, named PayPal Bank, will be an industrial loan company chartered in Utah, aimed at enhancing the company's lending capabilities to small businesses [1] - Since 2013, PayPal has provided over $30 billion in loans and financing support to small businesses, addressing their primary obstacle of accessing funds for growth and expansion [1] Group 2 - Interest in establishing banks among companies has significantly increased since Trump took office, with several cryptocurrency firms recently receiving preliminary regulatory approval [2] - In contrast, during the Biden administration, there have been very few applications for bank charters, as companies perceive a higher difficulty in obtaining approval [2]