{"id":2276,"date":"2020-11-16T22:29:16","date_gmt":"2020-11-16T22:29:16","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=2276"},"modified":"2023-08-29T17:47:40","modified_gmt":"2023-08-29T17:47:40","slug":"asic-report-buy-now-pay-later-users-struggle-meet-payments","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=2276","title":{"rendered":"ASIC\u7684\u62a5\u544a\u5256\u6790\u4e86\u5148\u4e70\u540e\u4ed8\u7684\u884c\u4e1a\uff0c\u53d1\u73b0\u4e94\u5206\u4e4b\u4e00\u7684\u7528\u6237\u4e3a\u652f\u4ed8\u800c\u6323\u624e"},"content":{"rendered":"

\u636e\u56fd\u5bb6\u4f01\u4e1a\u76d1\u7ba1\u673a\u6784\u7684\u4e00\u4efd\u5e7f\u6cdb\u9884\u671f\u7684\u8bc4\u4f30\u62a5\u544a\u663e\u793a\uff0c\u6709\u8fd120%\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d(BNPL)\u7528\u6237\u672a\u80fd\u6309\u65f6\u4ed8\u6b3e\uff0c\u6700\u7ec8\u51cf\u5c11\u4e86\u751f\u6d3b\u5fc5\u9700\u54c1\u7684\u652f\u51fa\uff0c\u6216\u501f\u4e86\u989d\u5916\u7684\u8d37\u6b3e\u6765\u5151\u73b0\u627f\u8bfa\u3002<\/p>\n

\u6fb3\u5927\u5229\u4e9a\u8bc1\u5238\u548c\u6295\u8d44\u59d4\u5458\u4f1a(ASIC)\u6574\u7406\u4e866\u5bb6BNPL\u4f9b\u5e94\u5546\u7684\u6570\u636e\uff0c\u968f\u540e\u7684\u62a5\u544a\u53d1\u73b0\uff0c\u5176\u4e2d\u4e00\u4e9b\u4f9b\u5e94\u5546\u5728\u8d2d\u4e70\u540e\u7684\u514d\u606f\u671f\u540e\u7ed9\u6d88\u8d39\u8005\u9020\u6210\u4e86\u8d22\u52a1\u635f\u5bb3\u3002<\/p>\n

\u5728\u6b64\u4e4b\u524d\uff0cASIC\u57282018\u5e74\u53d1\u5e03\u4e86\u4e00\u4efd\u539f\u59cb\u5ba1\u67e5\u62a5\u544a\uff0c\u5f3a\u8c03\u4e86BNPL\u884c\u4e1a\u5feb\u901f\u589e\u957f\u7684\u672c\u8d28<\/a>;BNPL\u5b89\u6392\u5bf9\u6d88\u8d39\u8005\u6d88\u8d39\u4e60\u60ef\u7684\u5f71\u54cd;\u5bf9\u4e8e\u4e00\u4e9b\u7528\u6237\u6765\u8bf4\uff0c\u8d22\u52a1\u4e0a\u7684\u8fc7\u5ea6\u6295\u5165\u53ef\u80fd\u662f\u4e00\u4e2a\u771f\u6b63\u7684\u98ce\u9669\u3002<\/p>\n

\u8fd8\u6b3e\u7684\u73b0\u5b9e<\/h2>\n

BNPL\u5b89\u6392\u53ef\u80fd\u6bd4\u5176\u4ed6\u7c7b\u578b\u7684\u4fe1\u8d37\u66f4\u4fbf\u5b9c\uff0c\u56e0\u4e3a\u6d88\u8d39\u8005\u901a\u5e38\u4e0d\u6536\u53d6\u5229\u606f\uff0c\u800c\u4e14\u4f9b\u5e94\u5546\u6536\u53d6\u7684\u8d39\u7528\u4e5f\u6709\u9650\u5236\u3002\u6700\u5e38\u89c1\u7684\u8d39\u7528\u4e4b\u4e00\u662f\u9519\u8fc7\u4ed8\u6b3e\uff0c\u8fd9\u53ef\u80fd\u5bfc\u81f4\u4e00\u4e9b\u8d22\u52a1\u56f0\u96be\u7684\u60c5\u51b5\u3002<\/p>\n

\u6839\u636e\u672c\u5468\u7684\u6700\u65b0\u8bc4\u4f30\uff0cAfterpay (ASX: APT)<\/a>\u3001BrightePay\u3001Humm(\u4e4b\u524d\u88ab\u79f0\u4e3aCertegy Ezi-Pay\u548cOxipay)\u3001Openpay Group (ASX: OPY)<\/a>\u3001Payright\u548cZip Pay (ASX: Z1P)<\/a>\u7684\u7528\u6237\u4e2d\uff0c\u6bcf\u4e94\u4e2a\u4eba\u4e2d\u5c31\u6709\u4e00\u4e2a\u4eba\u5728\u5b8c\u6210\u7f51\u4e0a\u8d2d\u7269\u65f6\u63a5\u53d7\u4e86\u670d\u52a1\u6761\u6b3e\uff0c\u4f46\u5374\u672a\u80fd\u4ed8\u6b3e\u3002<\/p>\n

\u5c06\u5fc5\u987b\u652f\u4ed8\u4e0e\u5176\u4ed6\u627f\u8bfa\u6df7\u6dc6\u53ef\u80fd\u4f1a\u5f15\u53d1\u8d22\u52a1\u56f0\u96be\uff0c\u5e76\u5bfc\u81f4\u7528\u6237\u8df3\u8fc7\u5176\u4ed6\u8d37\u6b3e\u548c\u8d26\u5355\u7684\u5206\u671f\u4ed8\u6b3e\uff0c\u6216\u524a\u51cf\u5fc5\u9700\u54c1(\u5982\u81b3\u98df)\uff0c\u4ee5\u52aa\u529b\u8fd8\u6e05\u4ed6\u4eec\u7684BNPL\u503a\u52a1\u3002<\/p>\n

ASIC\u7684\u7814\u7a76\u8868\u660e\uff0c21%\u7684BNPL\u7528\u6237\u5728\u62a5\u544a\u53d1\u5e03\u524d\u768412\u4e2a\u6708\u5185\u6ca1\u6709\u652f\u4ed8\u4e00\u7b14\u6b3e\u9879\u3002<\/p>\n

\u5176\u4e2d\uff0c47%\u7684\u4eba\u5e74\u9f84\u572818\u523029\u5c81\u4e4b\u95f4;39%\u7684\u53d7\u8bbf\u8005\u8fd8\u6301\u6709\u4e2d\u5c0f\u91d1\u989d\u4fe1\u8d37\u5408\u540c;34%\u7684\u4eba\u5728\u8fc7\u53bb\u516d\u4e2a\u6708\u91cc\u81f3\u5c11\u8d2d\u4e70\u4e866\u7b14BNPL\u4ea4\u6613;55%\u7684\u4eba\u5728\u540c\u4e00\u65f6\u671f\u81f3\u5c11\u4f7f\u7528\u4e86\u4e24\u79cd\u4e0d\u540c\u7684BNPL\u5b89\u6392\u3002<\/p>\n

ASIC\u53d1\u73b0\uff0c\u5728\u90a3\u4e9b\u7531\u4e8e\u4f7f\u7528BNPL\u800c\u672a\u80fd\u8fd8\u6b3e\u7684\u5ba2\u6237\u4e2d\uff0c44%\u7684\u4eba\u8fd8\u6ca1\u6709\u652f\u4ed8\u5e38\u89c4\u5bb6\u5ead\u8d26\u5355\uff0c32%\u7684\u4eba\u6ca1\u6709\u652f\u4ed8\u4fe1\u7528\u5361\u8fd8\u6b3e\uff0c22%\u7684\u4eba\u6ca1\u6709\u507f\u8fd8\u62b5\u62bc\u8d37\u6b3e\u3002<\/p>\n

\u903e\u671f\u4ed8\u6b3e\u6536\u5165<\/h2>\n

\u9519\u8fc7\u8fd8\u6b3e\u5c06\u5e26\u6765\u9ad8\u989d\u7684\u6ede\u7eb3\u91d1\u2014\u2014\u5927\u591a\u6570\u4f9b\u5e94\u5546\u7684\u5e73\u5747\u6ede\u7eb3\u91d1\u4e3a7\u6fb3\u5143\uff0c\u4f46\u82e5\u7b97\u4e0a\u53d7\u8d60\u6743\uff0c\u5219\u9ad8\u8fbe12.95\u6fb3\u5143\u2014\u2014\u8fd9\u5c06\u76f4\u63a5\u8fdb\u5165BNPL\u516c\u53f8\u7684\u91d1\u5e93\u3002<\/p>\n

ASIC\u8868\u793a\uff0c\u867d\u7136\u5728\u62a5\u544a\u671f\u5185\u53d1\u751f\u672a\u652f\u4ed8\u8d39\u7528\u7684\u4ea4\u6613\u6bd4\u4f8b\u88ab\u8ba4\u4e3a\u662f\u201c\u76f8\u5bf9\u7a33\u5b9a\u7684\u201d\uff0c\u4f46BNPL\u7528\u6237\u57fa\u6570\u7684\u589e\u957f\u610f\u5473\u7740\u672a\u652f\u4ed8\u8d39\u7528\u7684\u6570\u91cf\u4e5f\u5728\u7ee7\u7eed\u589e\u957f\u3002<\/p>\n

2018\u8d22\u5e74\uff0c\u6240\u67096\u5bb6\u516c\u53f8\u7684\u6f0f\u4ed8\u6536\u5165\u8d85\u8fc74300\u4e07\u6fb3\u5143\uff0c\u6bd4\u4e4b\u524d\u7684\u540c\u671f\u589e\u957f38%\u3002<\/p>\n

BNPL\u90e8\u95e8\u7684\u5176\u4ed6\u6536\u5165\u6765\u6e90\u5305\u62ec\u5546\u4eba\u8d39\u3001\u8bbe\u7acb\u8d39\u548c\u8bb0\u8d26\u8d39\u3002<\/p>\n

ZipMoney Payments\u63d0\u4f9b\u4e86\u4e00\u79cd\u6301\u7eed\u7684\u4fe1\u7528\u5408\u540c\uff0c\u6d88\u8d39\u8005\u53ea\u9700\u8981\u652f\u4ed8\u6bcf\u6708\u7684\u6700\u4f4e\u4ed8\u6b3e\u989d\uff0c\u4ee5\u907f\u514d\u62d6\u6b20\u4ed8\u6b3e\u8d39\u7528\u3002<\/p>\n

\u5b83\u7684\u5de5\u4f5c\u65b9\u5f0f\u4e0e\u4fe1\u7528\u5361\u7c7b\u4f3c\uff0c\u6d88\u8d39\u8005\u53ea\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\u989d;\u4f46\u662f\uff0c\u5982\u679c\u6709\u7ed3\u4f59\uff0c\u4ed6\u4eec\u88ab\u6536\u53d6\u5e10\u6237\u8d39\u7528\u3002<\/p>\n

\u65e0\u606f\u7684\u8bf1\u60d1<\/h2>\n

\u6839\u636e\u884c\u4e1a\u62a5\u544a\uff0cASIC\u65e9\u5c31\u610f\u8bc6\u5230\uff0c\u4e00\u4e9b\u6d88\u8d39\u5e74\u9f84\u7fa4\u4f53\u8d8a\u6765\u8d8a\u4f9d\u8d56BNPL\u670d\u52a1\uff0c\u53d7\u5230\u514d\u606f\u5206\u671f\u4ed8\u6b3e\u4fbf\u5229\u7684\u8bf1\u60d1\u3002<\/p>\n

\u4eca\u5e748\u6708\uff0c\u76d1\u7ba1\u673a\u6784\u8868\u793a\uff0c\u5b83\u7ee7\u7eed\u6536\u5230\u6765\u81ea\u4e2a\u4eba\u3001\u6d88\u8d39\u8005\u7ef4\u6743\u4eba\u58eb\u548c\u6cd5\u5f8b\u4e2d\u5fc3\u7684\u4fe1\u606f\uff0c\u8fd9\u5f15\u53d1\u4e86\u4eba\u4eec\u5bf9\u8be5\u5e73\u53f0\u5728\u52a0\u5267\u8d22\u52a1\u56f0\u96be\u65b9\u9762\u6240\u626e\u6f14\u89d2\u8272\u7684\u62c5\u5fe7\u3002<\/p>\n

\u867d\u7136\u652f\u4ed8\u7ed3\u6784\u9002\u7528\u4e8e\u5927\u591a\u6570\u5ba2\u6237\uff0c\u4f46\u8be5\u516c\u53f8\u8bc1\u5b9e\uff0c\u5176\u4ed6\u4eba\u6b63\u56e0\u4f7f\u7528\u8fd9\u4e9b\u670d\u52a1\u800c\u53d7\u5230\u4f24\u5bb3\u3002<\/p>\n

\u4fe1\u7528\u5361\u94fe\u63a5<\/h2>\n

ASIC\u7684\u6700\u65b0\u5ba1\u67e5\u53d1\u73b0BNPL\u652f\u4ed8\u8fdd\u7ea6\u548c\u4fe1\u7528\u5361\u4e4b\u95f4\u5b58\u5728\u76f4\u63a5\u8054\u7cfb\uff0c\u6709\u201c\u4e00\u8d2f\u8f83\u9ad8\u6bd4\u4f8b\u201d\u7684BNPL\u4fe1\u7528\u5361\u7528\u6237\u9700\u8981\u652f\u4ed8\u5229\u606f\u3002<\/p>\n

\u62a5\u544a\u79f0:\u201c\u6211\u4eec\u53d1\u73b0\uff0c38%\u81f343%\u7684(BNPL)\u4fe1\u7528\u5361\u7528\u6237\u57282018\u5e7410\u6708\u81f32019\u5e741\u6708(\u542b2019\u5e741\u6708)\u6bcf\u6708\u4f7f\u7528\u7684\u4fe1\u7528\u5361\u989d\u5ea6\u8d85\u8fc7\u6240\u5206\u914d\u768490%\u3002\u201d<\/p>\n

\u201c\u5728\u6027\u522b\u548c\u5e74\u9f84\u8303\u56f4\u7684\u6bd4\u8f83\u4e2d\uff0c(BNPL)\u4fe1\u7528\u5361\u7528\u6237\u7ee7\u7eed\u66f4\u6709\u53ef\u80fd\u4f7f\u7528\u66f4\u9ad8\u7684\u4fe1\u7528\u5361\u9650\u989d\u3002\u201d<\/p>\n

\u5c3d\u7ba1\u4e0eBNPL\u6709\u5173\u8054\uff0c\u4f46\u8054\u90a6\u653f\u5e9c\u6b64\u524d\u5df2\u5ba3\u5e03\uff0cBNPL\u63d0\u4f9b\u5546\u4e0d\u4f1a\u53d7\u5230\u300a\u56fd\u5bb6\u4fe1\u8d37\u6cd5\u6848\u300b(National Credit Act)\u7684\u76d1\u7ba1\uff0c\u56e0\u4e3a\u5b83\u4eec\u4e0d\u5c5e\u4e8e\u5b98\u65b9\u4fe1\u8d37\u63d0\u4f9b\u5546\uff0c\u6536\u53d6\u624b\u7eed\u8d39\uff0c\u800c\u4e0d\u662f\u5229\u606f\u3002<\/p>\n

\u884c\u4e1a\u884c\u4e3a\u5b88\u5219<\/h2>\n

2019\u5e74\uff0c\u6fb3\u5927\u5229\u4e9a\u91d1\u878d\u884c\u4e1a\u534f\u4f1a(Australian Finance Industry Association)\u5ba3\u5e03\uff0c\u5b83\u6253\u7b97\u4e3aBNPL\u63d0\u4f9b\u5546\u521b\u5efa\u4e00\u5957\u884c\u4e1a\u884c\u4e3a\u5b88\u5219\uff0c\u4ee5\u786e\u4fdd\u8d1f\u8d23\u4efb\u7684\u8d37\u6b3e\u548c\u5ba2\u6237\u4fdd\u62a4\u3002<\/p>\n

ASIC\u7684\u62a5\u544a\u8bf4:\u201c\u884c\u4e1a\u89c4\u8303\u5728\u4e3a\u6d88\u8d39\u8005\u548c\u90a3\u4e9b\u53d7\u5176\u6240\u8ba2\u9605\u7684\u89c4\u8303\u7684\u7ea6\u675f\u5e76\u5fc5\u987b\u9075\u5b88\u7684\u4eba\u5e26\u6765\u5229\u76ca\u65b9\u9762\u53ef\u4ee5\u53d1\u6325\u91cd\u8981\u4f5c\u7528\u3002\u201d<\/p>\n

\u201c\u4e00\u4e2a\u4ee5\u7ed3\u679c\u4e3a\u4e2d\u5fc3\u3001\u9002\u5e94\u884c\u4e1a\u4e2d\u4e0d\u540c\u7684\u4e1a\u52a1\u6a21\u5f0f(\u5305\u62ec\u53ef\u80fd\u7684\u65b0\u5174\u6a21\u5f0f)\u3001\u5177\u6709\u5f3a\u5927\u7684\u5ba1\u67e5\u548c\u5408\u89c4\u673a\u5236\u7684\u5f3a\u5927\u4ee3\u7801\uff0c\u53ef\u4ee5\u5e2e\u52a9\u4fc3\u8fdb\u7b26\u5408\u793e\u533a\u671f\u671b\u7684\u826f\u597d\u6d88\u8d39\u8005\u7ed3\u679c\u3002\u201d<\/p>\n

\u8be5\u64cd\u4f5c\u5b88\u5219\u5c06\u4e8e\u660e\u5e74\u63a8\u51fa\u3002<\/p>\n

ASIC\u4fdd\u7559\u4e86\u6839\u636e\u53bb\u5e74\u7684\u300a\u4ea7\u54c1\u76d1\u7ba1\u6cd5\u6848\u300b\u5bf9BNPL\u5b89\u6392\u8fdb\u884c\u5e72\u9884\u7684\u6743\u529b\uff0c\u8fd9\u7ed9\u4e86ASIC\u4e00\u4e2a\u76d1\u7ba1\u5de5\u5177\uff0c\u4ee5\u89e3\u51b3\u8fd9\u4e9b\u4ea4\u6613\u5bfc\u81f4\u7684\u4e00\u4e9b\u6d88\u8d39\u8005\u95ee\u9898\u3002<\/p>\n

\u56fd\u9645\u76d1\u7ba1<\/h2>\n

\u4e0e\u6b64\u540c\u65f6\uff0c\u4e00\u4e9b\u56fd\u5bb6\u5df2\u7ecf\u91c7\u53d6\u63aa\u65bd\u89c4\u8303\u672c\u56fd\u7684BNPL\u7a7a\u95f4\u3002<\/p>\n

\u82f1\u56fd\u91d1\u878d\u5e02\u573a\u884c\u4e3a\u76d1\u7ba1\u5c40(Financial Conduct Authority)\u5df2\u5ba3\u5e03\uff0c\u5c06\u5bf9\u65e0\u62c5\u4fdd\u4fe1\u8d37\u7684\u76d1\u7ba1\u8fdb\u884c\u5ba1\u67e5\uff0c\u5305\u62ec\u5728\u5176\u7ba1\u8f96\u8303\u56f4\u5185\u63d0\u4f9b\u7684\u4e0d\u53d7\u76d1\u7ba1\u7684BNPL\u5b89\u6392\u3002<\/p>\n

\u8bc4\u4f30\u5c06\u96c6\u4e2d\u4e8e\u76d1\u7ba1\u5982\u4f55\u66f4\u597d\u5730\u652f\u6301\u5065\u5eb7\u7684\u65e0\u62c5\u4fdd\u8d37\u6b3e\u5e02\u573a\uff0c\u9884\u8ba1\u5c06\u4e8e\u660e\u5e74\u521d\u5b8c\u6210\u3002<\/p>\n

\u65b0\u897f\u5170\u53bb\u5e7412\u6708\u901a\u8fc7\u7684\u7acb\u6cd5\u5c06\u8d4b\u4e88\u8be5\u56fd\u653f\u5e9c\u5236\u5b9a\u6cd5\u89c4\u7684\u6743\u529b\uff0c\u4f7f\u5176\u80fd\u591f\u5ba3\u5e03BNPL\u5b89\u6392\u4e3a\u6d88\u8d39\u8005\u4fe1\u8d37\u5408\u540c\u3002<\/p>\n

\u4eca\u5e74\u65e9\u4e9b\u65f6\u5019\uff0c\u745e\u5178\u901a\u8fc7\u4e86\u7535\u5b50\u5546\u52a1\u652f\u4ed8\u6cd5\u6848\uff0c\u4f5c\u4e3a\u5bf9BNPL\u7b49\u4fe1\u8d37\u9009\u62e9\u9020\u6210\u7684\u201c\u4e0d\u5fc5\u8981\u503a\u52a1\u201d\u7684\u653f\u7b56\u56de\u5e94\u3002<\/p>\n

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