Amret亲子储蓄账户获亚洲金融创新奖 储蓄保险教育三合一
分类金融
地点金边
来源CIR
发布时间2026/11/11 09:00
详情描述
柬埔寨小额信贷机构Amret凭亲子联名储蓄账户“Khmeng Chhlat”，获得2026年亚洲创新卓越奖（Asian Innovation Excellence Awards 2026）“柬埔寨金融服务产品创新年度奖”。该奖项由Asian Business Review主办，评选对象是在区域内产生实际影响的产品与项目。
该账户的卖点是把四项权益打包进一个产品：灵活存款、较高利率、寿险保障和学业奖励。按Amret公布的口径，客户每天可从1,500瑞尔起存；储蓄期内若账户持有人身故或丧失劳动能力，可获最高4,000美元的寿险保障；账户持有人的子女若以优异成绩完成12年级学业，可获最高1,000美元现金奖励。
产品主要面向家庭客群，用于规划子女教育和长期资金安排，其中女性客户占比较高。Amret没有披露学业奖励的资格认定标准、开户条件、利率具体水平及保险赔付的详细条款。
有开户意向的读者，建议先到Amret网点核实三件事：起存金额与利率档位、寿险保障的理赔条件（身故与失能是否同额）、学业奖励的申请门槛和发放方式，再决定是否长期持有。
另需留意股东层面的变化：台湾永丰银行（SinoPac）已完成以5.5亿美元收购Amret 80%股权的交易。股权变动后产品条款是否调整，以Amret官方公布为准。
📋 简要摘要 ▸
柬埔寨小额信贷机构Amret凭亲子联名储蓄账户“Khmeng Chhlat”获得2026年亚洲创新卓越奖“柬埔寨金融服务产品创新年度奖”，该奖项由亚洲商业评论主办。产品将储蓄、保险与教育奖励打包，主要服务家庭客群，尤以女性客户为主，用于规划子女教育与长期资金。Amret未披露该账户的具体准入条件与奖励细则。
📋 完整原文 ▸
[来源: CIR] [分类提示: NEWS]
标题: Cambodia’s Amret Wins Asian Award for Child Savings Account Combining Savings, Insurance and Education Rewards
Cambodia Investment Review
Cambodian microfinance institution Amret has won the “Cambodia Business Product Innovation of the Year – Financial Services” award at the Asian Innovation Excellence Awards 2026 for its joint savings account for parents and children, “Khmeng Chhlat.”
Organised by Asian Business Review, the awards recognise products and initiatives that deliver impact across the region.
Read More: Taiwanese Bank SinoPac Finalizes $550M Deal to Acquire 80% Stake in Cambodia’s Amret
Amret said the account is designed to help families build savings for children’s education and future needs. Its distinctive feature is the combination of four benefits in one product: flexible deposits, a high interest rate, life insurance protection and academic rewards for eligible students.
Savings and insurance benefits
Customers can begin saving from KHR 1,500 per day. During the savings period, the account provides life insurance protection of up to $4,000 if the account holder dies or becomes unable to work, according to Amret.
The account also offers cash bonuses of up to $1,000 to eligible children of account holders who complete Grade 12 with outstanding results. Amret did not provide further details on the eligibility criteria.
The company said the product has supported Cambodian families, particularly women customers, in planning for their children’s financial and