{"id":38177,"date":"2023-01-05T16:21:50","date_gmt":"2023-01-05T08:21:50","guid":{"rendered":"https:\/\/www.fortunetimes.sg\/cn\/?p=38177"},"modified":"2023-01-05T16:23:54","modified_gmt":"2023-01-05T08:23:54","slug":"%e5%85%88%e4%b9%b0%e5%90%8e%e4%bb%98%ef%bc%8c%e7%b3%96%e6%9e%9c%e8%bf%98%e6%98%af%e6%af%92%e8%8d%af%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/az.c.adneti.net\/cn\/?p=38177","title":{"rendered":"\u5148\u4e70\u540e\u4ed8\uff0c\u7cd6\u679c\u8fd8\u662f\u6bd2\u836f\uff1f"},"content":{"rendered":"\n

\u4f20\u7edf\u6d88\u8d39\u8bb2\u7684\u662f\u201c\u4e00\u624b\u4e70\u8d27\uff0c\u4e00\u624b\u4ea4\u94b1\u201d\uff0c\u7136\u800c\u968f\u7740\u4fe1\u7528\u5361\u666e\u53ca\u5316\uff0c\u201c\u82b1\u672a\u6765\u94b1\u8d2d\u7269\u201d\u65e9\u5df2\u4e0d\u662f\u4ec0\u4e48\u65b0\u9c9c\u4e8b\u3002\u5982\u4eca\u5148\u4e70\u540e\u4ed8\uff08Buy Now Pay Later\uff0c\u6216\u79f0BNPL\uff09\u7684\u6d88\u8d39\u6a21\u5f0f\u66f4\u662f\u8fc5\u901f\u5d1b\u8d77\uff0c\u53d7\u5230Z\u4e16\u4ee3\u6216\u5343\u79a7\u4e00\u4ee3\u7fa4\u4f53\u7684\u8ffd\u6367\u3002\u7a76\u7adf\u5148\u4eab\u53d7\uff0c\u540e\u4ed8\u6b3e\u7684\u8d2d\u7269\u65b9\u5f0f\uff0c\u662f\u4e3a\u6d88\u8d39\u8005\u5e26\u6765\u4fbf\u5229\u7684\u201c\u7cd6\u679c\u201d\uff1f\u8fd8\u662f\u8bf1\u5bfc\u6d88\u8d39\u8005\u6389\u5165\u7406\u8d22\u9677\u9631\u7684\u201c\u6bd2\u836f\u201d\uff1f<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

22\u5c81\u7684\u5c0f\u5b89\u662f\u521a\u8e0f\u5165\u793e\u4f1a\u7684\u804c\u573a\u65b0\u9c9c\u4eba\uff0c\u62ff\u7740\u516c\u53f8\u521a\u53d1\u7684\u85aa\u6c34\uff0c\u4ed6\u53bb\u5230\u4e86\u8d2d\u7269\u5546\u573a\u60f3\u8981\u4e70\u4efd\u793c\u7269\u7292\u8d4f\u81ea\u5df1\u6700\u8fd1\u8f9b\u52b3\u7684\u5de5\u4f5c\u3002\u4e00\u76f4\u60f3\u8981\u62e5\u6709\u4e00\u652f\u667a\u80fd\u624b\u8868\u7684\u5c0f\u5b89\u8d70\u5230\u5546\u5e97\u5185\uff0c\u5e0c\u671b\u80fd\u627e\u5230\u81ea\u5df1\u559c\u6b22\u7684\u6b3e\u5f0f\u3002<\/p>\n\n\n\n

\u4e1c\u6478\u6478\u3001\u897f\u770b\u770b\uff0c\u8bd5\u6234\u4e86\u597d\u51e0\u4e2a\u6b3e\u5f0f\u540e\uff0c\u5c0f\u5b89\u770b\u4e2d\u4e86\u4e00\u4e2a\u6a59\u8272\u8868\u5e26\u3001\u62e5\u6709\u591a\u79cd\u8fd0\u52a8\u76d1\u6d4b\u529f\u80fd\u7684\u6700\u65b0\u667a\u80fd\u624b\u8868\uff0c\u4f46\u5728\u67e5\u770b\u4ef7\u94b1\u6807\u7b7e\u540e\uff0c\u5c0f\u5b89\u77ac\u95f4\u6253\u6d88\u4e86\u8981\u4e70\u4e0b\u5b83\u7684\u5ff5\u5934\uff0c\u56e0\u4e3a\u667a\u80fd\u624b\u8868\u8981\u4ef7900\u5143\uff0c\u8fd9\u5bf9\u4e0a\u73ed\u8fd8\u4e0d\u5230\u534a\u5e74\u7684\u5c0f\u5b89\u6765\u8bf4\uff0c\u662f\u6bd4\u4e0d\u5c0f\u7684\u6570\u76ee\uff0c\u7b49\u4e8e\u662f\u4ed6\u85aa\u6c34\u7684\u63a5\u8fd1\u4e00\u534a\u3002<\/p>\n\n\n\n

\u5c31\u5728\u5c0f\u5b89\u51c6\u5907\u79bb\u5f00\u65f6\uff0c\u4e00\u65c1\u7684\u5e97\u5458\u544a\u8bc9\u4ed6\uff0c\u53ef\u4ee5\u901a\u8fc7\u5148\u4e70\u540e\u4ed8\u7684\u65b9\u5f0f\u4ed8\u6b3e\uff0c\u5c06900\u5143\u5206\u6210\u4e09\u671f\u514d\u5229\u606f\u8fd8\u6b3e\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u5c0f\u5b89\u73b0\u5728\u53ea\u9700\u4ed8300\u5143\u5c31\u80fd\u4e70\u4e0b\u624b\u8868\uff0c\u5269\u4f59\u7684600\u5143\u5219\u662f\u5728\u63a5\u4e0b\u6765\u4e24\u4e2a\u6708\u507f\u8fd8\u3002<\/p>\n\n\n\n

\u542c\u5230\u5e97\u5458\u8fd9\u756a\u8bdd\u540e\uff0c\u5c0f\u5b89\u7acb\u5373\u6539\u53d8\u4e3b\u610f\uff0c\u51b3\u5b9a\u628a\u624b\u8868\u4e70\u4e0b\uff0c\u56e0\u4e3a\u76f8\u6bd4\u8d77\u4e00\u6b21\u8fc7\u4ed8900\u5143\uff0c\u73b0\u5728\u53ea\u9700\u4ed8300\u5143\uff0c\u8ba9\u4ed6\u89c9\u5f97\u76f8\u5bf9\u4fbf\u5b9c\u5f97\u591a\uff0c\u4e5f\u8d1f\u62c5\u5f97\u8d77\u3002<\/p>\n\n\n\n

\u4ee5\u4e0a\u7684\u573a\u666f\uff0c\u9010\u6e10\u5728\u6d88\u8d39\u5e02\u573a\u5f62\u6210\u4e3b\u6d41\u3002\u6253\u7740\u201c\u5148\u4eab\u53d7\u3001\u540e\u4ed8\u6b3e\u201d\u7684\u5671\u5934\uff0c\u201c\u5148\u4e70\u540e\u4ed8\u201d\u8fd1\u5e74\u6765\u767b\u9646\u65b0\u52a0\u5761\u540e\uff0c\u83b7\u5f97\u8bb8\u591a\u6d88\u8d39\u8005\u9752\u7750\uff0c\u5c24\u5176\u5728\u5e74\u8f7b\u7fa4\u4f53\u4e2d\u66f4\u4e3a\u53d7\u843d\uff0c\u5546\u5bb6\u4eec\u4e3a\u4e86\u5438\u5f15\u66f4\u591a\u5ba2\u6e90\uff0c\u4e5f\u7eb7\u7eb7\u4e0e\u5404\u4e2a\u5e73\u53f0\u5408\u4f5c\uff0c\u52a0\u5165\u5230\u5148\u4e70\u540e\u4ed8\u7684\u884c\u5217\u4e4b\u4e2d\u3002<\/p>\n\n\n\n

\u5148\u4e70\u540e\u4ed8\u8fd1\u5e74\u5728\u672c\u5730\u5174\u8d77<\/strong><\/h4>\n\n\n\n

\u6839\u636e\u653f\u5e9c\u63d0\u4f9b\u7684\u6570\u636e\uff0c\u672c\u5730\u6d88\u8d39\u8005\u4f7f\u7528\u5148\u4e70\u540e\u4ed8\u65b9\u5f0f\u8fdb\u884c\u7684\u4ea4\u6613\u989d\u57282021\u5e74\u8fbe\u52304.4\u4ebf\u65b0\u5143\uff0c\u6bd42020\u5e74\u589e\u52a0\u8fd1\u4e09\u500d\uff0c\u663e\u793a\u5148\u4e70\u540e\u4ed8\u5728\u672c\u5730\u5e02\u573a\u7684\u84ec\u52c3\u53d1\u5c55\u3002<\/p>\n\n\n\n

\u4e8b\u5b9e\u4e0a\uff0c\u5148\u4e70\u540e\u4ed8\uff08BNPL\uff09\u591a\u5e74\u524d\u5728\u6b27\u7f8e\u5df2\u7ecf\u975e\u5e38\u706b\u7ea2\uff0c\u4f46\u8fd9\u79cd\u201c\u8d85\u524d\u6d88\u8d39\u201d\u6a21\u5f0f\u8fd1\u4e24\u5e74\u624d\u5728\u672c\u5730\u5174\u8d77\u3002\u201c\u5148\u4e70\u540e\u4ed8\u201d\u987e\u540d\u601d\u4e49\uff0c\u5c31\u662f\u201c\u5148\u4e70\u201d\uff08Buy Now\uff09\u548c\u201c\u540e\u4ed8\u201d\uff08Pay Later\uff09\uff0c\u8ba9\u6d88\u8d39\u8005\u5728\u7f51\u4e0a\u6216\u5b9e\u4f53\u5e97\u8d2d\u7269\u65f6\uff0c\u4ec5\u9700\u652f\u4ed8\u201c\u9996\u671f\u201d\uff0c\u7136\u540e\u4ee5\u96f6\u5229\u606f\u5206\u671f\u5411\u5148\u4e70\u540e\u4ed8\u5e73\u53f0\u652f\u4ed8\u4f59\u989d\u3002<\/p>\n\n\n\n

\u5728\u672c\u5730\uff0c\u5148\u4e70\u540e\u4ed8\u8f83\u4e3a\u666e\u904d\u7684\u65b9\u5f0f\u662f\uff0c\u6d88\u8d39\u8005\u5728\u8d2d\u7269\u65f6\u53ea\u9700\u4ed8\u4e09\u5206\u4e4b\u4e00\u7684\u6b3e\u989d\uff0c\u5269\u4f59\u7684\u6b3e\u989d\u5219\u5728\u63a5\u4e0b\u6765\u4e24\u4e2a\u6708\u5206\u4e24\u6b21\u8fd8\u6e05\u3002\u5982\u679c\u65e0\u6cd5\u6309\u65f6\u4ed8\u6b3e\uff0c\u5e73\u53f0\u5c31\u4f1a\u5f81\u6536\u5ef6\u8fdf\u4ed8\u6b3e\u8d39\uff08late fee\uff09\u3002<\/p>\n\n\n\n

\u5148\u4e70\u540e\u4ed8\u9664\u4e86\u5305\u542b\u4ef7\u683c\u9ad8\u6602\u5546\u54c1\uff0c\u4f8b\u5982\u5bb6\u5177\u3001\u7535\u5668\u7b49\uff0c\u4e5f\u6db5\u76d6\u8303\u56f4\u66f4\u5e7f\u548c\u6570\u989d\u66f4\u4f4e\u7684\u4ea7\u54c1\u670d\u52a1\uff0c\u5982\u8863\u670d\u3001\u5305\u5305\u3001\u978b\u5b50\u3001\u5316\u5986\u54c1\u3001\u9910\u996e\u3001\u5065\u8eab\u548c\u65c5\u884c\u7b49\u7b49\u3002
\n\u6839\u636e\u5168\u7403\u652f\u4ed8\u516c\u53f8World Pay\u53d1\u5e03\u7684\u300a2022\u5168\u7403\u652f\u4ed8\u62a5\u544a\u300b\uff0c2021\u5e74\u5168\u7403\u5148\u4e70\u540e\u4ed8\u7684\u4ea4\u6613\u989d\u8fbe\u52301570\u4ebf\u7f8e\u5143\uff0c\u5360\u5168\u7403\u7535\u5b50\u5546\u52a1\u4ea4\u6613\u989d\u7684\u8fd13%\uff0c\u9884\u8ba1\u5230\u4e862025\u5e74\uff0c\u76f8\u5173\u6bd4\u91cd\u5c06\u4e0a\u5347\u81f35%\uff0c\u4ea4\u6613\u989d\u9884\u8ba1\u5c065000\u4ebf\u7f8e\u5143\u3002<\/p>\n\n\n\n

\u5728\u6b27\u7f8e\uff0c\u5148\u4e70\u540e\u4ed8\u9020\u5c31\u4e86Klarna\u3001Affirm\u3001Afterpay\u7b49\u4f30\u503c\u8d85\u8fc7100\u4ebf\u7f8e\u5143\u7684\u8d85\u7ea7\u72ec\u89d2\u517d\u3002\u6b64\u5916\uff0c\u4e07\u4e8b\u8fbe\uff08Mastercard\uff09\u3001VISA\u5361\u3001\u82f9\u679c\u3001Paypal\u7b49\u7b49\u7684\u8de8\u56fd\u79d1\u6280\u548c\u91d1\u878d\u5de8\u5934\u4e5f\u7eb7\u7eb7\u5ba3\u5e03\u63a8\u51fa\u81ea\u5bb6\u7684\u5148\u4e70\u540e\u4ed8\u670d\u52a1\uff0c\u51f8\u663e\u8fd9\u9879\u670d\u52a1\u62e5\u6709\u6781\u5177\u6f5c\u529b\u7684\u5e02\u573a\u3002<\/p>\n\n\n\n

BNPL\u4e0e\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u6709\u4f55\u4e0d\u540c\uff1f<\/strong><\/h4>\n\n\n\n

\u7531\u4e8e\u5148\u4e70\u540e\u4ed8\u4e0e\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u7684\u6d88\u8d39\u6a21\u5f0f\uff0c\u90fd\u5177\u5907\u5148\u4f7f\u7528\u672a\u6765\u94b1\u53ca\u5206\u671f\u4ed8\u6b3e\u7684\u7279\u6027\uff0c\u56e0\u6b64\u4e0d\u5c11\u4eba\u4f1a\u628a\u4e24\u8005\u76f8\u63d0\u5e76\u8bba\uff0c\u4f46\u4e8b\u5b9e\u4e0a\u4e24\u8005\u4e4b\u95f4\u4ecd\u6709\u8bb8\u591a\u7684\u4e0d\u540c\u4e4b\u5904\u3002<\/p>\n\n\n\n

\u7531\u4e8e\u4fe1\u7528\u5361\u9700\u8981\u8de8\u8fc7\u4e00\u5b9a\u7684\u6536\u5165\u95e8\u69db\u624d\u80fd\u7533\u8bf7\uff0c\u56e0\u6b64\u4e0d\u662f\u6bcf\u4e2a\u4eba\u90fd\u80fd\u7b26\u5408\u7533\u8bf7\u6761\u4ef6\uff0c\u50cf\u662f\u6ca1\u6709\u6536\u5165\u7684\u5b66\u751f\u6216\u85aa\u91d1\u4e0d\u8fbe\u6807\u7684\u4f4e\u6536\u5165\u8005\uff0c\u5c31\u65e0\u6cd5\u4eab\u53d7\u4fe1\u7528\u5361\u5206\u671f\u4ed8\u6b3e\u7684\u4fbf\u5229\u3002\u76f8\u53cd\u7684\uff0c\u5148\u4e70\u540e\u4ed8\u5e73\u53f0\u4e0d\u4f1a\u8003\u91cf\u6d88\u8d39\u8005\u7684\u6536\u5165\uff0c\u53ea\u8981\u5e74\u6ee118\u5c81\u3001\u5e76\u5728\u4ea4\u6613\u5e73\u53f0\u4e0a\u6ce8\u518c\u8d26\u53f7\uff0c\u5c31\u80fd\u7acb\u5373\u4ee5\u5206\u671f\u4ed8\u6b3e\u7684\u65b9\u5f0f\u8d2d\u7269\u3002\u7531\u4e8e\u5148\u4e70\u540e\u4ed8\u5e73\u53f0\u76f8\u5bf9\u5bb9\u6613\u7533\u8bf7\uff0c\u8ba9\u8bb8\u591a\u5e74\u8f7b\u4eba\u90fd\u8d8b\u4e4b\u82e5\u9e5c\u3002<\/p>\n\n\n\n

\u53e6\u5916\uff0c\u5148\u4e70\u540e\u4ed8\u9002\u5408\u7528\u4f5c\u5c0f\u989d\u6d88\u8d39\uff0c\u4e00\u822c\u53ea\u53ef\u5206\u4e3a\u4e09\u671f\u8fd8\u6b3e\uff1b\u76f8\u53cd\u7684\uff0c\u4f7f\u7528\u4fe1\u7528\u5361\u9700\u8981\u8d2d\u4e70\u4e00\u5b9a\u91d1\u989d\u4ee5\u4e0a\u7684\u7269\u54c1\uff0c\u624d\u80fd\u4ee5\u5206\u671f\u4ed8\u6b3e\u7684\u65b9\u5f0f\u4ed8\u6b3e\uff0c\u8fd8\u6b3e\u671f\u53ef\u957f\u8fbe60\u4e2a\u6708\u3002<\/p>\n\n\n\n

\u5148\u4e70\u540e\u4ed8\u7684\u5176\u4e2d\u4e00\u4e2a\u597d\u5904\uff0c\u662f\u6d88\u8d39\u8005\u65e2\u53ef\u4ee5\u9a6c\u4e0a\u4e70\u5230\u5fc3\u5934\u597d\uff0c\u53c8\u65e0\u987b\u4e00\u6b21\u8fc7\u4ed8\u6e05\u6b3e\u989d\uff0c\u6709\u52a9\u4e8e\u65b9\u4fbf\u7075\u6d3b\u5730\u8fd0\u4f5c\u624b\u4e0a\u7684\u73b0\u91d1\uff0c\u540c\u65f6\u4e5f\u80fd\u4e3a\u523a\u6fc0\u5546\u5bb6\u7684\u751f\u610f\u989d\u3002<\/p>\n\n\n\n

\u6b27\u6d32\u5546\u5b66\u9662ESSEC\u4e9a\u592a\u6821\u533a\u4fe1\u606f\u7cfb\u7edf\u526f\u6559\u6388\u5b89\u5fb7\u9c81\u65af\uff08Jan Ondrus\uff09\u53d7\u8bbf\u65f6\u8868\u793a\uff0c\u5148\u4e70\u540e\u4ed8\u80fd\u4e3a\u6d88\u8d39\u8005\u548c\u5546\u5bb6\u5b9e\u73b0\u53cc\u8d62\u7684\u5c40\u9762\u3002\u8d2d\u7269\u8005\u53ef\u4ee5\u5229\u7528\u989d\u5916\u7684\u8d2d\u4e70\u529b\uff0c\u6765\u8d2d\u4e70\u66f4\u591a\u4ed6\u4eec\u60f3\u8981\u7684\u4e1c\u897f\u3002<\/p>\n\n\n\n

\u4e0e\u6b64\u540c\u65f6\uff0c\u5c3d\u7ba1\u5546\u5bb6\u9700\u8981\u5411\u5148\u4e70\u540e\u4ed8\u5e73\u53f0\u652f\u4ed8\u4ea4\u6613\u624b\u7eed\u8d39\uff0c\u4f46\u8fd9\u7c7b\u5e73\u53f0\u6709\u52a9\u4e8e\u51cf\u5c11\u987e\u5ba2\u5728\u8fdb\u884c\u5927\u989d\u6d88\u8d39\u65f6\u7684\u5fc3\u7406\u8d1f\u62c5\uff0c\u63d0\u5347\u8d2d\u7269\u6b32\uff0c\u8fdb\u800c\u53ef\u63d0\u9ad8\u5546\u5bb6\u7684\u9500\u552e\u91cf\u3002<\/p>\n\n\n\n

\u5148\u4e70\u540e\u4ed8\u4e5f\u6697\u85cf\u9690\u60a3<\/strong><\/h4>\n\n\n\n

\u65e0\u8bba\u5982\u4f55\uff0c\u5148\u4e70\u540e\u4ed8\u673a\u5236\u7684\u7533\u8bf7\u95e8\u69db\u975e\u5e38\u4f4e\uff0c\u4e5f\u4e3a\u5546\u5bb6\u548c\u6d88\u8d39\u8005\u57cb\u4e0b\u4e86\u8bb8\u591a\u9690\u60a3\u3002<\/p>\n\n\n\n

\u5c3d\u7ba1\u5148\u4e70\u540e\u4ed8\u4e00\u822c\u662f\u8ba9\u6d88\u8d39\u8005\u514d\u606f\u5206\u671f\u4ed8\u6b3e\uff0c\u4e0d\u8fc7\u4e00\u65e6\u6d88\u8d39\u8005\u903e\u671f\u8fd8\u6b3e\uff0c\u4ecd\u4f1a\u88ab\u4ea4\u6613\u5e73\u53f0\u6536\u6536\u9ad8\u6602\u7684\u5ef6\u8fdf\u4ed8\u6b3e\u8d39\u3002\u5982\u679c\u9519\u8fc7\u4ed8\u6b3e\uff0c\u6d88\u8d39\u8005\u7684\u4fe1\u7528\u8bc4\u5206\u4e5f\u53ef\u80fd\u4f1a\u53d7\u5f71\u54cd\u3002\u67d0\u4e9b\u5e73\u53f0\u53ef\u80fd\u4f1a\u5c06\u4f60\u9519\u8fc7\u7684\u4ed8\u6b3e\u62a5\u544a\u4ea4\u7ed9\u4fe1\u7528\u62a5\u544a\u673a\u6784\uff0c\u8fd9\u53ef\u80fd\u4f1a\u635f\u5bb3\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/p>\n\n\n\n

\u53e6\u5916\uff0c\u5b89\u5fb7\u9c81\u65af\u526f\u6559\u6388\u6307\u51fa\uff0c\u7531\u4e8e\u8d2d\u7269\u65f6\u65e0\u9700\u652f\u4ed8\u5168\u989d\u552e\u4ef7\uff0c\u52a0\u4e0a\u8bf1\u4eba\u7684\u96f6\u5229\u606f\u4ed8\u6b3e\u65b9\u5f0f\uff0c\u5f88\u5bb9\u6613\u8ba9\u6d88\u8d39\u8005\u4e00\u65f6\u51b2\u52a8\uff0c\u53cd\u800c\u82b1\u66f4\u591a\u94b1\uff0c\u8d2d\u4e70\u4e0d\u5fc5\u8981\u7684\u7269\u54c1\u3002<\/p>\n\n\n\n

\u7ba1\u5236\u5148\u4e70\u540e\u4ed8\u907f\u514d\u9677\u5165\u8fc7\u5ea6\u8d1f\u503a<\/strong><\/h4>\n\n\n\n

\u7eb5\u89c2\u5168\u7403\u5404\u5730\u7684\u5148\u4e70\u540e\u4ed8\u670d\u52a1\uff0c\u7edd\u5927\u90e8\u5206\u90fd\u4e0d\u53d7\u5230\u5b98\u65b9\u673a\u6784\u76d1\u7ba1\u3002\u8bb8\u591a\u56fd\u5bb6\u7684\u592e\u884c\u65e0\u4ece\u63d2\u624b\uff0c\u4e3b\u8981\u539f\u56e0\u662f\u56e0\u4e3a\u5148\u4e70\u540e\u4ed8\u5c5e\u4e8e\u4fdd\u7406\u534f\u8bae\u3002\u4fdd\u7406\u534f\u8bae\u6307\u7684\u662f\u7269\u54c1\u9500\u552e\u540e\uff0c\u6240\u4ea7\u751f\u7684\u5e94\u6536\u8d26\u6b3e\u5c06\u8f6c\u8ba9\u7ed9\u4fdd\u7406\u5546\uff0c\u4e5f\u5c31\u662f\u5148\u4e70\u540e\u4ed8\u5e73\u53f0\uff0c\u800c\u540e\u8005\u5c06\u8d1f\u8d23\u63d0\u4f9b\u8d44\u91d1\u878d\u901a\u3001\u4fe1\u7528\u98ce\u9669\u62c5\u4fdd\uff0c\u548c\u8d26\u6b3e\u50ac\u6536\u7b49\u4e00\u7cfb\u5217\u670d\u52a1\u3002<\/p>\n\n\n\n

\u4e3a\u4e86\u4fdd\u62a4\u6d88\u8d39\u8005\u4e0d\u4f1a\u9677\u5165\u8fc7\u5ea6\u8d1f\u503a\uff0c\u5728\u91d1\u878d\u7ba1\u7406\u5c40\u6307\u5bfc\u4e0b\uff0c\u7531\u65b0\u52a0\u5761\u91d1\u878d\u79d1\u6280\u534f\u4f1a\uff08Singapore FinTech Association\uff09\u8fde\u540cGrab\u91d1\u878d\u3001Atome\u3001ShopBack\u3001Ablr\u3001Latitude Pay\u3001Pace\u3001Split\u548cSeaMoney\u516b\u5bb6\u516c\u53f8\u7ec4\u6210\u7684\u5148\u4e70\u540e\u4ed8\u5de5\u4f5c\u5c0f\u7ec4\uff08Buy Now Pay Later Working Group\uff09\uff0c\u57282022\u5e7410\u6708\u63a8\u51fa\u4e86\u884c\u4e1a\u884c\u4e3a\u6307\u5357\u3002<\/p>\n\n\n\n

\u6307\u5357\u91cd\u70b9\u5305\u62ec\uff1a<\/p>\n\n\n\n

  • \u987e\u5ba2\u53ea\u80fd\u7d2f\u79ef\u6700\u591a2000\u5143\u7684\u672a\u8fd8\u6b3e\u9879\uff1b<\/li>
  • \u4e1a\u8005\u9700\u4e3a\u5148\u4e70\u540e\u4ed8\u8bbe\u7f6e\u5404\u79cd\u6536\u8d39\u4e0a\u9650\uff0c\u5982\u5ef6\u8fdf\u4ed8\u6b3e\u8d39\uff08late fee\uff09\u7b49\uff0c\u6240\u6709\u8d39\u7528\u548c\u5229\u606f\u90fd\u4e0d\u80fd\u8ba1\u7b97\u590d\u5229\uff1b<\/li>
  • \u6d88\u8d39\u8005\u6709\u6743\u5728\u4efb\u4f55\u65f6\u5019\u5168\u989d\u8fd8\u6b3e\uff0c\u4f46\u4e0d\u4f1a\u88ab\u5f81\u6536\u201c\u63d0\u524d\u4ed8\u6b3e\u201d\u8d39\u7528\uff08early repayment fees\uff09\uff1b<\/li>
  • \u5546\u5bb6\u6709\u9053\u5fb7\u5730\u8425\u9500\uff0c\u4e0d\u63a8\u51fa\u5177\u8bef\u5bfc\u6027\u5e7f\u544a\uff1b<\/li>
  • \u5141\u8bb8\u6d88\u8d39\u8005\u628a\u81ea\u5df1\u6392\u9664\u5728\u670d\u52a1\u4e8e\u5ba3\u4f20\u4e4b\u5916\uff1b<\/li>
  • \u4e3a\u9762\u5bf9\u8d22\u52a1\u56f0\u96be\u7684\u6d88\u8d39\u8005\u63d0\u4f9b\u63f4\u52a9\uff0c\u5982\u8c41\u514d\u5168\u90e8\u6216\u90e8\u5206\u6536\u8d39\u6216\u5ef6\u8fdf\u6536\u8d39\uff0c\u5236\u5b9a\u53cc\u65b9\u7686\u53ef\u63a5\u53d7\u7684\u8fd8\u6b3e\u5b89\u6392\u3002<\/li><\/ul>\n\n\n\n

    \u91c7\u7eb3\u884c\u4e3a\u6307\u5357\u7684\u4e1a\u8005\u4f1a\u901a\u8fc7\u5ba1\u6838\u548c\u8ba4\u8bc1\u83b7\u5f97\u4fe1\u4efb\u6807\u5fd7\uff0c\u5c55\u793a\u5b83\u4eec\u7b26\u5408\u6307\u5357\u7684\u6807\u51c6\u3002\u5de5\u4f5c\u5c0f\u7ec4\u5efa\u8bae\u6d88\u8d39\u8005\u4f7f\u7528\u83b7\u5f97\u8ba4\u8bc1\u4e1a\u8005\u7684\u670d\u52a1\uff0c\u4ee5\u786e\u4fdd\u6536\u8d39\u900f\u660e\uff0c\u51fa\u73b0\u95ee\u9898\u65f6\u6709\u7533\u8bc9\u7684\u6e20\u9053\u3002\u6b64\u5916\uff0c\u5546\u5bb6\u4e5f\u5e94\u8be5\u901a\u8fc7\u83b7\u8ba4\u8bc1\u7684\u4e1a\u8005\u63d0\u4f9b\u670d\u52a1\uff0c\u786e\u4fdd\u987e\u5ba2\u5229\u76ca\u53d7\u4fdd\u969c\u3002<\/p>\n\n\n\n

    \u800c\u5728\u4e0b\u4e00\u9636\u6bb5\uff0c\u5de5\u4f5c\u5c0f\u7ec4\u5c06\u8bbe\u7acb\u4fe1\u7528\u4fe1\u606f\u5171\u4eab\u529e\u516c\u5ba4\uff0c\u5e76\u653e\u773c\u57282023\u5e74\u5e95\u524d\uff0c\u5411\u5408\u683c\u7684\u4e1a\u8005\u9881\u53d1\u4fe1\u4efb\u6807\u8bb0\u3002\u53e6\u5916\uff0c\u5de5\u4f5c\u5c0f\u7ec4\u4e5f\u4f1a\u9009\u51fa\u72ec\u7acb\u7684\u76d1\u7763\u59d4\u5458\u4f1a\u6267\u884c\u884c\u4e3a\u6307\u5357\u3002<\/p>\n\n\n\n

    \u5c3d\u7ba1\u65b0\u52a0\u5761\u7684\u5148\u4e70\u540e\u4ed8\u4ea4\u6613\u89c4\u6a21\uff0c\u5360\u6574\u4f53\u91d1\u878d\u4f53\u7cfb\u7684\u6bd4\u91cd\u8fd8\u975e\u5e38\u4f4e\uff0c\u6839\u636e2021\u5e74\u7684\u5b98\u65b9\u6570\u636e\uff0c\u5148\u4e70\u540e\u4ed8\u7684\u4ea4\u6613\u989d\u53ea\u5360\u4fe1\u7528\u5361\u548c\u501f\u8bb0\u5361\u4ed8\u6b3e\u603b\u989d\u7684\u4e0d\u52300.5%\uff0c\u4f46\u968f\u7740\u6d77\u5916\u7684\u5148\u4e70\u540e\u4ed8\u6572\u54cd\u4e86\u503a\u52a1\u8b66\u949f\uff0c\u5148\u4e70\u540e\u4ed8\u5de5\u4f5c\u5c0f\u7ec4\u7684\u884c\u4e1a\u884c\u4e3a\u6307\u5357\uff0c\u6709\u52a9\u4e8e\u964d\u4f4e\u6d88\u8d39\u8005\u7684\u8d1f\u503a\u98ce\u9669\u3002<\/p>\n\n\n\n

    \u5b89\u5fb7\u9c81\u65af\u526f\u6559\u6388\u8d5e\u626c\uff0c\u884c\u4e1a\u884c\u4e3a\u6307\u5357\u4e3a\u5b8c\u5584\u5148\u4e70\u540e\u4ed8\u7684\u6d88\u8d39\u673a\u5236\uff0c\u8fc8\u51fa\u4e86\u5f88\u597d\u7684\u7b2c\u4e00\u6b65\u3002\u4f46\u4ed6\u8ba4\u4e3a\uff0c\u6307\u5357\u8fd8\u9700\u8981\u63d0\u51fa\u66f4\u591a\u5efa\u8bae\uff0c\u4ee5\u8fdb\u4e00\u6b65\u4fdd\u62a4\u6700\u8106\u5f31\u7684\u7528\u6237\uff0c\u5c24\u5176\u662f\u6ca1\u6709\u6536\u5165\u7684\u5e74\u8f7b\u7528\u6237\u7fa4\uff0c\u5f88\u53ef\u80fd\u4f1a\u56e0\u4e3a\u4e0d\u8282\u5236\u7684\u6d88\u8d39\u800c\u5760\u5165\u503a\u52a1\u9677\u9631\u3002<\/p>\n\n\n\n

    \u53e6\u5916\uff0c\u65b0\u52a0\u5761\u6d88\u8d39\u8005\u534f\u4f1a\u4e3b\u5e2d\u6768\u76ca\u8d22\u4e5f\u5bf9\u5c0f\u7ec4\u63a8\u51fa\u7684\u6307\u5357\u8868\u793a\u6b22\u8fce\u3002\u4f46\u540c\u65f6\uff0c\u4ed6\u8ba4\u4e3a\u6307\u5357\u5e94\u5236\u5b9a\u66f4\u591a\u6807\u51c6\u4ee5\u4fdd\u969c\u6d88\u8d39\u8005\u3002\u6d88\u534f\u5efa\u8bae\uff0c\u4e0e\u5176\u628a\u672a\u8fd8\u6b3e\u9879\u7684\u9876\u9650\u8bbe\u57282000\u5143\uff0c\u4e0d\u5982\u5141\u8bb8\u8ba9\u987e\u5ba2\u81ea\u884c\u51b3\u5b9a\u6700\u9ad8\u4ea4\u6613\u989d\u3002\u53e6\u5916\uff0c\u5f53\u5c40\u4e5f\u5efa\u8bae\u4e3a21\u5c81\u4ee5\u4e0b\u7684\u6d88\u8d39\u8005\u8bbe\u5b9a\u8f83\u4f4e\u7684\u4ea4\u6613\u9650\u989d\uff0c\u56e0\u4e3a\u7edd\u5927\u90e8\u520618\u81f321\u5c81\u7684\u6d88\u8d39\u8005\u90fd\u8fd8\u6ca1\u6709\u6536\u5165\u3002<\/p>\n\n\n\n

    \u52ff\u5760\u5165\u5148\u4e70\u540e\u4ed8\u9677\u9631<\/strong><\/h4>\n\n\n\n

    \u5148\u4e70\u540e\u4ed8\u7684\u5176\u4e2d\u4e00\u4e2a\u76f2\u533a\uff0c\u662f\u6d88\u8d39\u8005\u4ee5\u4e3a\u80fd\u7528\u5f88\u5c11\u7684\u94b1\u5c31\u80fd\u83b7\u5f97\u5fc3\u4eea\u7684\u7269\u54c1\uff0c\u5374\u6b8a\u4e0d\u77e5\u6b63\u4e00\u6b65\u6b65\u6389\u5165\u9677\u9631\u4e2d\u3002<\/p>\n\n\n\n

    \u5b89\u5fb7\u9c81\u65af\u526f\u6559\u6388\u63d0\u9192\u6d88\u8d39\u8005\uff0c\u867d\u7136\u5148\u4e70\u540e\u4ed8\u53ef\u4ee5\u8ba9\u6d88\u8d39\u8005\u514d\u5229\u606f\u5206\u671f\u4ed8\u6b3e\uff0c\u4f46\u514d\u5229\u606f\u4e0d\u610f\u5473\u7740\u514d\u8d39\uff0c\u6d88\u8d39\u8005\u6700\u7ec8\u8fd8\u662f\u9700\u8981\u4ed8\u6b3e\uff0c\u5426\u5219\u903e\u671f\u7684\u8bdd\uff0c\u6d88\u8d39\u8005\u4e0d\u4f46\u9700\u8981\u652f\u4ed8\u539f\u672c\u7684\u6b3e\u9879\uff0c\u800c\u4e14\u8fd8\u5f97\u989d\u5916\u652f\u4ed8\u9ad8\u6602\u7684\u5ef6\u8fdf\u4ed8\u6b3e\u8d39\u3002\u56e0\u6b64\uff0c\u6d88\u8d39\u8005\u5e94\u8be5\u91cf\u529b\u800c\u4e3a\uff0c\u5728\u672c\u8eab\u5141\u8bb8\u7684\u8d22\u52a1\u80fd\u529b\u8303\u56f4\u5185\u6d88\u8d39\u3002<\/p>\n\n\n\n

    \u6d88\u534f\u5219\u9f13\u52b1\u4f7f\u7528\u5148\u4e70\u540e\u4ed8\u7684\u6d88\u8d39\u8005\u8bbe\u7f6e\u63d0\u9192\uff0c\u5e76\u5728\u6bcf\u4e2a\u6708\u9884\u7559\u4e00\u7b14\u94b1\u4ee5\u7528\u4e8e\u5206\u671f\u4ed8\u6b3e\u3002\u6b64\u5916\uff0c\u5f53\u5c40\u4e5f\u4fc3\u8bf7\u6d88\u8d39\u8005\u5728\u4f7f\u7528\u5148\u4e70\u540e\u4ed8\u524d\uff0c\u5148\u4e86\u89e3\u5176\u4e2d\u7684\u6761\u6b3e\u548c\u6761\u4ef6\u3002\u5982\u679c\u5728\u4f7f\u7528\u5148\u4e70\u540e\u4ed8\u670d\u52a1\u65f6\u9762\u5bf9\u4efb\u4f55\u95ee\u9898\uff0c\u6d88\u8d39\u8005\u4e3a\u5e94\u8be5\u5bfb\u6c42\u6d88\u534f\u534f\u52a9\u3002<\/p>\n\n\n\n

    \u603b\u7684\u6765\u8bf4\uff0c\u5148\u4e70\u540e\u4ed8\u4e3a\u6d88\u8d39\u8005\u5e26\u6765\u8bb8\u591a\u4fbf\u5229\uff0c\u4f46\u4e5f\u53ef\u80fd\u4f1a\u56e0\u4e3a\u65e0\u8282\u5236\u6d88\u8d39\u800c\u4e0d\u5c0f\u5fc3\u201c\u8e29\u96f7\u201d\uff0c\u56e0\u6b64\u6d88\u8d39\u8005\u5148\u5728\u8d2d\u4e70\u4efb\u4f55\u7269\u54c1\u524d\uff0c\u5e94\u8be5\u5148\u95ee\u95ee\u81ea\u5df1\uff0c\u662f\u4e0d\u662f\u771f\u7684\u9700\u8981\u8fd9\u4ef6\u7269\u54c1\u3002\u53e6\u5916\uff0c\u6d88\u8d39\u8005\u4e5f\u9700\u8981\u5728\u8bbe\u5b9a\u7684\u9884\u7b97\u5185\u6d88\u8d39\uff0c\u4ee5\u514d\u8dcc\u5165\u5206\u671f\u8d37\u6b3e\u4fbf\u5229\u6240\u5e26\u6765\u7684\u7f8e\u597d\u9677\u9631\u4e2d\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

    \u4f20\u7edf\u6d88\u8d39\u8bb2\u7684\u662f\u201c\u4e00\u624b\u4e70\u8d27\uff0c\u4e00\u624b\u4ea4\u94b1\u201d\uff0c\u7136\u800c\u968f\u7740\u4fe1\u7528\u5361\u666e\u53ca\u5316\uff0c\u201c\u82b1\u672a\u6765\u94b1\u8d2d\u7269\u201d\u65e9\u5df2\u4e0d\u662f\u4ec0\u4e48\u65b0\u9c9c\u4e8b\u3002\u5982\u4eca\u5148\u4e70\u540e\u4ed8\uff08 […]<\/p>\n","protected":false},"author":17,"featured_media":38178,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[411,14],"tags":[4145],"class_list":["post-38177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-411","category-14","tag-4145"],"_links":{"self":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/38177"}],"collection":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38177"}],"version-history":[{"count":2,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/38177\/revisions"}],"predecessor-version":[{"id":38180,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/posts\/38177\/revisions\/38180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=\/wp\/v2\/media\/38178"}],"wp:attachment":[{"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/az.c.adneti.net\/cn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}