美国多家大型银行正洽谈一项收购计划，此举或能帮助它们规避一项其极为抵触的法规 —— 借记卡交易手续费上限规定。
此前第一资本金融公司以 506 亿美元收购Discover Financial，借此获得自有支付清算网络，省去了银行卡交易的中间商环节，可直接与商户开展业务合作。
如今各大银行对此十分眼红：持有自有支付网络的机构可不受联邦借记卡手续费上限法案约束。全行业每年这类手续费规模达数十亿美元，但银行长期抱怨，政府设定的收费上限，使其难以向客户提供借记卡返现奖励及其他增值服务。
部分大型银行已在洽谈一笔小型交易，有望突破现有监管限制，不过各方担忧此举会引发强烈的舆论与政界反对。
据知情人士透露，近几个月来，摩根大通、美国银行、富国银行以及 PNC 金融服务集团等大型银行已就收购金融科技公司 Fiserv旗下支付网络开展初步、试探性磋商。知情人士称，本次交易能否落地尚不确定。多家评估过Fiserv旗下支付网络的银行已判定该收购计划推进可能性极低。
责任编辑：王永生
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