[(Title)] Amazon Bank Accounts? Why Commercial Banks Should Fear the Online Giant.

Analysts have been predicting for years that Amazon would get into banking. In March, the Wall Street Journal reported that the online retail giant was even in talks with J.P. Morgan to offer checking accounts.

分析师多年来一直预测，亚马逊将进入银行业。3月份，《华尔街日报》报道，这家在线零售巨头甚至正在与摩根大通(J.P.Morgan)谈判提供支票帐户。

Now it appears that banks have a real reason to fear if that ever comes to pass.

现在看来，如果这种情况发生，银行有理由真的担心。

A Bain & Company survey of 6,000 people published Tuesday showed that consumers trust Amazon (amzn) more than they do their banks: 65% of Amazon Prime customers said they would sign up for a bank account with Amazon (specifically,

贝恩公司周二公布的一项针对6,000人的调查显示，消费者对亚马逊的信任度超过了他们的银行：65％的亚马逊Prime客户表示他们将注册亚马逊的银行账户（特别是提供的免费账户， 2％现金返还），而43％的非Prime客户和37％的非亚马逊客户也表示愿意。

a free account that offered 2% cash back), while 43% of non-Prime customers and 37% of non-Amazon customers said they would.

Of course, to move into banking Amazon would have to overcome hurdles that have slowed other retailers in the past. It would have to clear regulatory obstacles, perhaps by buying a smaller bank and scaling it up.

当然，要进军银行业，亚马逊必须克服过去阻碍其他零售商发展的障碍。它必须清除监管障碍，也许是通过购买一家较小的银行并扩大规模。

That's because laws have long separated banking from other commercial sectors for reasons ranging from limiting systemic risks and conflicts of interest to lobbying from existing market players.

这是因为法律长期以来将银行业与其他商业部门分开，原因从限制系统性风险和利益冲突到现有市场参与者的游说。

For example, Walmart (wmt) made an ill-fated stab at the banking sector in 2005, until some unlikely bedfellows in the financial industry fended it off. (Last year in Fortune,

例如，沃尔玛(wmt)在2005年对银行业进行了一次命运多舛的尝试，直到金融业中一些不太可能的同床异梦者将其击退。(去年在《财富》杂志上，纽约大学经济学家劳伦斯·怀特认为，是时候让沃尔玛和其他商业巨头进入银行业了。)

NYU economist Lawrence J. White argued that it was time to let Walmart and other commercial giants into the banking industry.)

Still, Amazon already makes possible many of the smaller tasks associated with banking, from paying back friends to storing cash, through unlicensed transactions, such as Amazon Gift Cards or the Amazon Cash service.

尽管如此，亚马逊已经通过未经许可的交易，如亚马逊礼品卡或亚马逊现金服务，使得许多与银行业务相关的小任务成为可能，从向朋友付款到储存现金。

If you're a small business owner, you can take out a loan from Amazon,

如果你是小企业主，你可以向亚马逊贷款，该公司已经向企业家贷款超过30亿美元。更多这样的服务可能正在进行中。艾伦·克莱因说:“更有可能的是，科技发展到了一个我们今天认为银行业务可以在银行之外完成的地方，布鲁金斯学会法规和市场中心的政策主任在今年早些时候告诉Bankrate公司。

which has already loaned over $3 billion to entrepreneurs. And more such services may be on the way.  "What's more likely is technology getting to a place where things that we think of banking today can be done outside of banks,"  Aaron Klein,

policy director of the Center on Regulations and Markets at the Brookings Institute told Bankrate earlier this year.

In the end, Amazon's close relationship with its customers may be more dangerous to banks than its size.

最终，亚马逊与其客户的密切关系对银行来说可能比其规模更危险。

In a briefing earlier this year, Bain warned that,  "[p]erhaps the greatest challenge to senior bank executives and board members is to recognize that Amazon has a completely different worldview focused on lifetime customer value,

贝恩在今年早些时候的一次简报会上警告说，“或许对高级银行高管和董事会成员来说最大的挑战是认识到亚马逊对终生客户价值有着完全不同的世界观，而大多数银行仍然是同期“坏账”利润的奴隶。"

while most banks remain slaves to in-period 'bad' profits."