{"id":2492,"date":"2021-01-12T22:36:32","date_gmt":"2021-01-12T22:36:32","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=2492"},"modified":"2023-08-29T17:48:08","modified_gmt":"2023-08-29T17:48:08","slug":"goodbye-credit-card-hello-afterpay","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=2492","title":{"rendered":"\u518d\u89c1\uff0c\u4fe1\u7528\u5361\uff0c\u4f60\u597d\uff0cAfterpay"},"content":{"rendered":"<p>\u6fb3\u5927\u5229\u4e9a\u4eba\u8d2d\u4e70\u5546\u54c1\u7684\u652f\u4ed8\u65b9\u5f0f\u6b63\u5728\u53d1\u751f\u5de8\u5927\u53d8\u5316\uff0c\u8fd9\u5c06\u5bf9\u672a\u6765\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\u3002<\/p>\n<p>\u51e0\u5341\u5e74\u6765\uff0c\u4fe1\u7528\u5361\u6d88\u8d39\u548c\u4f59\u989d\u4e00\u76f4\u7a33\u6b65\u4e0a\u5347\u5230\u4ee4\u4eba\u96be\u4ee5\u7f6e\u4fe1\u7684\u6c34\u5e73\uff0c\u5bfc\u81f4\u6fb3\u5927\u5229\u4e9a\u6210\u4e3a\u4e16\u754c\u4e0a\u5bb6\u5ead\u503a\u52a1\u6c34\u5e73\u6700\u9ad8\u7684\u56fd\u5bb6\u4e4b\u4e00\u3002<\/p>\n<p>\u5929\u6587\u6570\u5b57\u7684\u4fe1\u7528\u5361\u5229\u7387\u548c\u8bb8\u591a\u4eba\u65e0\u6cd5\u507f\u8fd8\u4fe1\u7528\u5361\u503a\u52a1\u7684\u4e8b\u5b9e\u610f\u5473\u7740\u4fe1\u7528\u5361\u503a\u52a1\u662f\u4e00\u79cd\u81ea\u6211\u5b9e\u73b0\u7684\u9884\u8a00\u3002<\/p>\n<p>\u73b0\u5728,\u968f\u7740\u5927\u6d41\u884c\u7684\u6d88\u8d39\u548c\u50a8\u84c4\u6a21\u5f0f\u7684\u6539\u53d8\u548c\u501f\u8bb0\u5361\u7684\u5d1b\u8d77,\u5148\u4e70\u540e\u4ed8\u89e3\u51b3\u65b9\u6848,\u6bd4\u5982Zip-pay <a href=\"http:\/\/smallcaps-production.test\/stocks\/?symbol=APT&amp;lang=cn\">Afterpay (ASX: APT)<\/a>\u4e0e\u5e74\u8f7b\u4e00\u4ee3\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce,\u4fe1\u7528\u5361\u503a\u52a1\u7684\u5c71\u5e73\u6709\u70b9GFC\u540e\u73b0\u5728\u7a81\u7136\u5f00\u59cb\u840e\u7f29\u3002<\/p>\n<h2>\u4fe1\u7528\u5361\u5c71\u7ec8\u4e8e\u7f29\u5c0f\u4e86<\/h2>\n<p>\u73b0\u5728\uff0c\u5341\u591a\u5e74\u6765\u7b2c\u4e00\u6b21\uff0c\u5728\u5723\u8bde\u8282\u548c\u8282\u793c\u65e5\u96f6\u552e\u70ed\u6f6e\u7684\u4f59\u6ce2\u4e0b\uff0c\u4fe1\u7528\u5361\u503a\u52a1\u5c06\u4f4e\u4e8e400\u4ebf\u6fb3\u5143\uff0c\u8fd9\u4e0e\u7ecf\u5e38\u53cd\u5f39\u81f3500\u4ebf\u6fb3\u5143\u4ee5\u4e0a\u7684\u6570\u5b57\u76f8\u5dee\u751a\u8fdc\u3002<\/p>\n<p>\u90e8\u5206\u539f\u56e0\u662f\u5728\u5927\u6d41\u884c\u5c01\u9501\u671f\u95f4\u52a0\u901f\u507f\u8fd8\u4fe1\u7528\u5361\u8d26\u6237\u548c\u589e\u52a0\u50a8\u84c4\uff0c\u90e8\u5206\u539f\u56e0\u662f\u652f\u4ed8\u65b9\u5f0f\u53d1\u751f\u4e86\u660e\u663e\u53d8\u5316\u3002<\/p>\n<p>Australian Reserve Bank\u6570\u636e\u663e\u793a\uff0c10\u6708\u4efd\u4fe1\u7528\u5361\u4f59\u989d\u4e3a378\u4ebf\u6fb3\u5143\uff0c\u4e3a2006\u5e74\u4ee5\u6765\u6700\u4f4e\u7684\u6708\u5ea6\u603b\u989d\uff0c\u8fd9\u79cd\u8d8b\u52bf\u53ef\u80fd\u4f1a\u6301\u7eed\u52301\u6708\u4efd\u3002<\/p>\n<p>\u4fe1\u7528\u5361\u5e73\u5747\u4f59\u989d\u4e5f\u5728\u4e0b\u964d\uff0c10\u6708\u4efd\u964d\u81f32728\u6fb3\u5143\uff0c\u4e3a\u5386\u53f2\u6700\u4f4e\u6c34\u5e73\u3002<\/p>\n<h2>\u5229\u606f\u8d39\u7528\u4e5f\u5728\u4e0b\u964d<\/h2>\n<p>\u968f\u7740\u4fe1\u7528\u5361\u4f59\u989d\u7684\u4e0b\u964d\uff0c\u6240\u6536\u53d6\u7684\u5229\u606f\u4e5f\u5728\u4e0b\u964d\uff0c\u8fd9\u5c06\u6709\u52a9\u4e8e\u4fdd\u6301\u503a\u52a1\u5927\u5c71\u7684\u89c4\u6a21\u4e0d\u65ad\u7f29\u5c0f\u3002<\/p>\n<p>\u5f53\u7136\uff0c\u5bf9\u6fb3\u5927\u5229\u4e9a\u4eba\u6765\u8bf4\uff0c\u7528\u4fe1\u7528\u5361\u5229\u7387\u548c\u50a8\u84c4\u8d26\u6237\u5229\u7387\u4e4b\u95f4\u7684\u5dee\u989d\u6765\u51cf\u5c11\u4fe1\u7528\u5361\u4f59\u989d\u5728\u7ecf\u6d4e\u4e0a\u662f\u975e\u5e38\u660e\u667a\u7684\u3002<\/p>\n<p>\u7136\u800c\uff0c\u4e0d\u4ec5\u4ec5\u662f\u4f59\u989d\u5728\u4e0b\u964d\uff0c\u53d1\u884c\u7684\u4fe1\u7528\u5361\u6570\u91cf\u4e5f\u5728\u4e0b\u964d\uff0c\u56e0\u4e3a\u4f9d\u8d56\u4e8e\u94f6\u884c\u8d26\u6237\u8d44\u91d1\u7684\u501f\u8bb0\u5361\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\uff0c\u5404\u79cdBNPL\u9009\u9879\u4e0d\u65ad\u6d8c\u73b0\u3002<\/p>\n<p>BNPL\u516c\u53f8\u7684\u53d7\u6b22\u8fce\u7a0b\u5ea6\u5982\u6b64\u663e\u8457\uff0c\u4ee5\u81f3\u4e8e\u5927\u94f6\u884c\u73b0\u5728\u63d0\u4f9b\u4e00\u7cfb\u5217\u4e0e\u4fe1\u7528\u5361\u76f8\u5173\u7684\u7c7b\u4f3c\u8fd8\u6b3e\u89e3\u51b3\u65b9\u6848\u2014\u2014\u4e00\u4e9b\u662f\u96f6\u5229\u7387\uff0c\u4f46\u9700\u8981\u9884\u4ed8\u8d39\u7528\u3002<\/p>\n<h2>\u5e02\u573a\u4efd\u989d\u4e4b\u4e89\u5c06\u6108\u6f14\u6108\u70c8<\/h2>\n<p>\u8fd9\u5c06\u5728\u5feb\u901f\u589e\u957f\u4f46\u89c4\u6a21\u4ecd\u7136\u8f83\u5c0f\u7684BNPL\u516c\u53f8\u548c\u5927\u94f6\u884c\u4e4b\u95f4\u5f15\u53d1\u4e00\u573a\u8feb\u5728\u7709\u776b\u7684\u5e02\u573a\u4efd\u989d\u4e89\u593a\u6218\uff0c\u5927\u94f6\u884c\u4e0d\u592a\u53ef\u80fd\u5750\u89c6\u5e02\u573a\u4efd\u989d\u7684\u4e0b\u964d\u3002<\/p>\n<p>\u5f53\u7136\uff0c\u6709\u5f88\u591a\u62a5\u544a\u8bf4\u4eba\u4eec\u5728\u52aa\u529b\u8ddf\u4e0aBNPL\u8ba1\u5212\uff0c\u5373\u4f7f\u5b83\u4eec\u88ab\u4f5c\u4e3a\u4e00\u4e2a\u6709\u7528\u7684\u9884\u7b97\u5de5\u5177\u8fdb\u884c\u8425\u9500\uff0c\u5982\u679c\u4e0d\u80fd\u507f\u8fd8\uff0c\u4e5f\u4f1a\u53d8\u5f97\u6602\u8d35\u3002<\/p>\n<p>\u603b\u7684\u6765\u8bf4\uff0c\u4ece\u503a\u52a1\u8f6c\u5411\u6280\u672f\u7684\u52a0\u901f\u8d8b\u52bf\u5bf9\u6fb3\u5927\u5229\u4e9a\u5bb6\u5ead\u6765\u8bf4\u662f\u4e00\u4ef6\u597d\u4e8b\uff0c\u73b0\u5728\u6709\u66f4\u591a\u7684\u5bb6\u5ead\u51cf\u5c11\u4e86\u503a\u52a1\uff0c\u4ed6\u4eec\u7684\u8d22\u52a1\u72b6\u51b5\u4e95\u7136\u6709\u5e8f\u3002<\/p>\n<p>\u8fd9\u662f\u5426\u4ecd\u662f\u4e00\u79cd\u964d\u4f4e\u6210\u672c\u3001\u66f4\u8d1f\u8d23\u4efb\u7684\u4fe1\u8d37\u4f7f\u7528\u7684\u6301\u4e45\u8d8b\u52bf\uff0c\u5f88\u96be\u8bf4\uff0c\u4f46\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u60c5\u51b5\u6b63\u5728\u6539\u5584\u3002<\/p>\n<h2>\u51bb\u7ed3\u7684\u503a\u52a1\u89e3\u51bb\u901f\u5ea6\u5feb\u4e8e\u9884\u671f<\/h2>\n<p>\u957f\u671f\u503a\u52a1\u7684\u60c5\u51b5\u4e0e\u6b64\u7c7b\u4f3c\uff0c\u4eba\u4eec\u6700\u62c5\u5fc3\u7684\u8d37\u6b3e\u5ef6\u671f\u672a\u80fd\u5b9e\u73b0\u3002<\/p>\n<p>\u8d37\u6b3e\u5ef6\u671f\u6570\u636e\u663e\u793a\uff0c\u5bb6\u5ead\u548c\u4e2d\u5c0f\u4f01\u4e1a(SMEs)\u5728\u91c7\u53d6\u65b0\u51a0\u80ba\u708e\u7d27\u6025\u5ef6\u671f\u63aa\u65bd\u540e\uff0c\u6b63\u5728\u8fc5\u901f\u6062\u590d\u507f\u8fd8\u8d37\u6b3e\u3002<\/p>\n<p>\u6839\u636e\u6fb3\u5927\u5229\u4e9a\u5ba1\u614e\u76d1\u7ba1\u5c40(APRA)\u7684\u6570\u636e\uff0c\u523011\u6708\u5e95\uff0c\u53ea\u67092.3%\u7684\u4f4f\u623f\u548c\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u9700\u8981\u5ef6\u671f\u8fd8\u6b3e\u3002<\/p>\n<p>\u5728\u5927\u6d41\u884c\u5371\u673a\u6700\u4e25\u91cd\u7684\u65f6\u5019\uff0c\u8fd9\u4e00\u6570\u5b57\u8d85\u8fc710%\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u6279\u51c6\u7684\u4f4f\u623f\u6570\u91cf\u4e5f\u5728\u5feb\u901f\u589e\u957f\uff0c\u81ea6\u6708\u4ee5\u6765\u589e\u957f\u4e8640%\uff0c\u5e74\u6570\u636e\u63a5\u8fd117\u4e07\u3002<\/p>\n<p>\u6240\u6709\u8fd9\u4e00\u5207\u90fd\u662f\u597d\u6d88\u606f\uff0c\u56e0\u4e3a\u501f\u8d37\u8005\u79bb3\u670828\u65e5\u6062\u590d\u6b63\u5e38\u7684\u6700\u540e\u671f\u9650\u8d8a\u6765\u8d8a\u8fd1\uff0c\u5c4a\u65f6\u5ef6\u671f\u5c06\u5230\u671f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6fb3\u5927\u5229\u4e9a\u4eba\u8d2d\u4e70\u5546\u54c1\u7684\u652f\u4ed8\u65b9\u5f0f\u6b63\u5728\u53d1\u751f\u5de8\u5927\u53d8\u5316\uff0c\u8fd9\u5c06\u5bf9\u672a\u6765\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\u3002 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APT)\u4e0e\u5e74\u8f7b\u4e00\u4ee3\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce,\u4fe1\u7528\u5361\u503a\u52a1\u7684\u5c71\u5e73\u6709\u70b9GFC\u540e\u73b0\u5728\u7a81\u7136\u5f00\u59cb\u840e\u7f29\u3002 \u4fe1\u7528\u5361\u5c71\u7ec8\u4e8e\u7f29\u5c0f\u4e86 \u73b0\u5728\uff0c\u5341\u591a\u5e74\u6765\u7b2c\u4e00\u6b21\uff0c\u5728\u5723\u8bde\u8282\u548c\u8282\u793c\u65e5\u96f6\u552e\u70ed\u6f6e\u7684\u4f59\u6ce2\u4e0b\uff0c\u4fe1\u7528\u5361\u503a\u52a1\u5c06\u4f4e\u4e8e400\u4ebf\u6fb3\u5143\uff0c\u8fd9\u4e0e\u7ecf\u5e38\u53cd\u5f39\u81f3500\u4ebf\u6fb3\u5143\u4ee5\u4e0a\u7684\u6570\u5b57\u76f8\u5dee\u751a\u8fdc\u3002 \u90e8\u5206\u539f\u56e0\u662f\u5728\u5927\u6d41\u884c\u5c01\u9501\u671f\u95f4\u52a0\u901f\u507f\u8fd8\u4fe1\u7528\u5361\u8d26\u6237\u548c\u589e\u52a0\u50a8\u84c4\uff0c\u90e8\u5206\u539f\u56e0\u662f\u652f\u4ed8\u65b9\u5f0f\u53d1\u751f\u4e86\u660e\u663e\u53d8\u5316\u3002 Australian Reserve 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