{"id":3604,"date":"2021-08-09T04:13:17","date_gmt":"2021-08-09T04:13:17","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=3604"},"modified":"2023-08-29T17:50:36","modified_gmt":"2023-08-29T17:50:36","slug":"banks-clashing-with-fast-growing-fintechs","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=3604","title":{"rendered":"\u94f6\u884c\u4e0e\u5feb\u901f\u589e\u957f\u7684\u91d1\u878d\u79d1\u6280\u53d1\u751f\u51b2\u7a81"},"content":{"rendered":"

\u82e5\u8bf4Afterpay (ASX: APT)\u4e0eSquare (NYSE: SQ) 390\u4ebf\u6fb3\u5143\u7684\u5408\u5e76\u6709\u4ec0\u4e48\u503c\u5f97\u5173\u6ce8\u7684\u5730\u65b9\uff0c\u90a3\u5c31\u662f\u8001\u724c\u94f6\u884c\u4e0e\u65b0\u5174\u91d1\u878d\u516c\u53f8\u4e4b\u95f4\u7684\u5bf9\u6bd4\u3002<\/p>\n

\u5c3d\u7ba1\u94f6\u884c\u559c\u6b22\u5047\u88c5\u81ea\u5df1\u5f88\u65f6\u9ae6\uff0c\u5e76\u901a\u8fc7\u4e00\u4e9b\u5947\u602a\u7684\u201c\u5e94\u7528\u7a0b\u5e8f\u5e7f\u544a\u201d\u4e0e\u540c\u884c\u4eec\u5408\u4f5c\uff0c\u4f46\u73b0\u5b9e\u662f\uff0c\u5b83\u4eec\u690d\u6839\u4e8e\u8fc7\u53bb\u7684\u539f\u56e0\u6709\u5f88\u591a\u3002<\/p>\n

\u5176\u4e2d\u4e00\u4e2a\u975e\u5e38\u91cd\u8981\u7684\u662f\u5e7f\u6cdb\u7684\u76d1\u7ba1\uff0c\u5305\u62ec\u5927\u91cf\u7684\u89c4\u5219\u624b\u518c\uff0c\u6db5\u76d6\u8bf8\u5982\u8d44\u672c\u6bd4\u7387\u7b49\u5185\u5bb9\uff0c\u65e8\u5728\u9632\u6b62\u94f6\u884c\u5728\u91d1\u878d\u98ce\u66b4\u7684\u7b2c\u4e00\u4e2a\u8ff9\u8c61\u51fa\u73b0\u65f6\u7a81\u7136\u5d29\u6e83\u3002<\/p>\n

\u8fd9\u4f7f\u5f97\u94f6\u884c\u6210\u4e3a\u4e00\u4e2a\u975e\u5e38\u5b89\u5168\u3001\u6709\u653f\u5e9c\u62c5\u4fdd\u7684\u5b58\u653e\u8d44\u91d1\u7684\u5730\u65b9\uff0c\u4e5f\u662f\u4e00\u4e2a\u501f\u94b1\u7684\u597d\u5730\u65b9\uff0c\u524d\u63d0\u662f\u4ed6\u4eec\u4f1a\u7ed9\u4f60\u8d37\u6b3e\u3002<\/p>\n

\u76d1\u7ba1\u8ba9\u94f6\u884c\u8ba8\u538c<\/h2>\n

\u7136\u800c\uff0c\u6240\u6709\u8fd9\u4e9b\u89c4\u5219\u4f7f\u5f97\u94f6\u884c\u5728\u5904\u7406\u95ee\u9898\u65f6\u8fc7\u4e8e\u4fdd\u5b88\uff0c\u4ee4\u4eba\u607c\u706b\u2014\u2014\u53ea\u8981\u95ee\u95ee\u90a3\u4e9b\u9700\u8981\u8de8\u8d8a\u91cd\u91cd\u969c\u788d\u624d\u80fd\u83b7\u5f97\u6709\u610f\u4e49\u7684\u4fe1\u8d37\u989d\u5ea6\u7684\u5c0f\u4f01\u4e1a\u5c31\u77e5\u9053\u4e86\uff0c\u5c3d\u7ba1\u5b83\u4eec\u62e5\u6709\u5f3a\u52b2\u7684\u73b0\u91d1\u6d41\u548c\u76c8\u5229\u80fd\u529b\u3002<\/p>\n

\u94f6\u884c\u901a\u5e38\u5e0c\u671b\u5728\u8d37\u6b3e\u65f6\u62e5\u6709\u8d22\u4ea7\u7b49\u5b89\u5168\u4fdd\u969c\uff0c\u800c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u66f4\u6709\u53ef\u80fd\u4f7f\u7528\u6700\u65b0\u7684\u91d1\u878d\u6280\u672f\u6765\u7b80\u5316\u8d37\u6b3e\u6d41\u7a0b\u3002<\/p>\n

\u540c\u6837\u7684\u6280\u672f\u53ef\u4ee5\u4f7f\u94f6\u884c\u548c\u501f\u6b3e\u4eba\u4e4b\u95f4\u7684\u5229\u5dee\u66f4\u5c0f\uff0c\u901a\u8fc7\u5438\u5f15\u5b58\u6b3e\u4eba\u548c\u501f\u6b3e\u4eba\uff0c\u53ef\u80fd\u964d\u4f4e\u6210\u672c\uff0c\u5e76\u51cf\u5c11\u94f6\u884c\u7684\u5348\u9910\u3002<\/p>\n

\u867d\u7136\u91d1\u878d\u79d1\u6280\u66f4\u6709\u53ef\u80fd\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u6162\u6162\u8fdb\u5165\u4fe1\u7528\u5361\u3001\u6d88\u8d39\u8d37\u6b3e\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u62b5\u62bc\u8d37\u6b3e\u548c\u80a1\u7968\u4ea4\u6613\u7b49\u5404\u79cd\u94f6\u884c\u5e02\u573a\uff0c\u4f46Afterpay\/Square\u7684\u4ea4\u6613\u8868\u660e\uff0c\u6e05\u7b97\u7684\u65e5\u5b50\u53ef\u80fd\u6bd4\u9884\u671f\u8981\u8fd1\u5f97\u591a\u3002<\/p>\n

\u94f6\u884c\u4e5f\u5e0c\u671b\u91d1\u878d\u79d1\u6280\u88ab\u7e41\u6587\u7f1b\u8282\u5305\u88f9\u7740<\/h2>\n

Commonwealth Bank (ASX: CBA)\u9996\u5e2d\u6267\u884c\u5b98Matt Comyn\u65e0\u7591\u975e\u5e38\u79ef\u6781\u5730\u4e89\u53d6\u4e0e\u65b0\u7403\u5458\u76f8\u5339\u914d\uff0c\u6216\u8005\u7528\u4ed6\u6bcf\u5929\u5904\u7406\u7684\u90a3\u79cd\u7e41\u6587\u7f1b\u8282\u6765\u963b\u6320\u4ed6\u4eec\u3002<\/p>\n

\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u4ed6\u6307\u8d23\u79d1\u6280\u5de8\u5934\u82f9\u679c\u901a\u8fc7\u5176\u5728\u652f\u4ed8\u9886\u57df\u4e0d\u65ad\u589e\u957f\u7684\u5e02\u573a\u529b\u91cf\u627c\u6740\u7ade\u4e89\u7684\u539f\u56e0\u3002\u5728\u8fd9\u4e00\u9886\u57df\uff0c\u94f6\u884c\u4e00\u76f4\u5904\u4e8e\u4e3b\u5bfc\u5730\u4f4d\uff0c\u76f4\u5230\u50cf\u82f9\u679c\u8fd9\u6837\u7684\u516c\u53f8\u51fa\u73b0\uff0c\u5e76\u8fc5\u901f\u5728\u667a\u80fd\u624b\u673a\u201c\u70b9\u51fb\u5373\u8d70\u201d\u652f\u4ed8\u5e02\u573a\u4e0a\u5efa\u7acb\u4e86\u61d2\u60f0\u768480%\u7684\u8986\u76d6\u7387\u3002<\/p>\n

\u6b63\u5982\u79d1\u660e\u6240\u6307\u51fa\u7684\uff0c\u82f9\u679c\u5bf9\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u7684\u6210\u672c\u6ca1\u6709\u8d21\u732e\uff0c\u4e5f\u4e0d\u662f\u6fb3\u5927\u5229\u4e9a\u4e3b\u8981\u7684\u4f01\u4e1a\u7eb3\u7a0e\u4eba\uff0c\u4f46\u8fd9\u6b63\u662f\u91d1\u878d\u79d1\u6280\u548c\u79d1\u6280\u516c\u53f8\u7684\u4e00\u822c\u8fd0\u4f5c\u65b9\u5f0f\u2014\u2014\u4f7f\u7528\u667a\u80fd\u6280\u672f\uff0c\u8ba9\u73b0\u6709\u57fa\u7840\u8bbe\u65bd\u66f4\u597d\u3001\u66f4\u5feb\u5730\u8fd0\u8f6c\u3002<\/p>\n

\u6d41\u884c\u75c5\u52a0\u901f\u4e86\u6570\u5b57\u94f6\u884c\u7684\u53d1\u5c55<\/h2>\n

\u968f\u7740\u75ab\u60c5\u7684\u8fc5\u901f\u8513\u5ef6\uff0c\u6570\u5b57\u94b1\u5305\u548cAfterpay\u7b49\u201c\u5148\u4e70\u540e\u4ed8\u201d(BNPL)\u4ea7\u54c1\u7684\u91c7\u7528\u901f\u5ea6\u52a0\u5feb\uff0c\u5a01\u80c1\u6b63\u4ee5\u975e\u5e38\u5feb\u7684\u901f\u5ea6\u903c\u8fd1\uff0c\u56e0\u6b64\u5f53\u79d1\u6280\u516c\u53f8\u8d8a\u6765\u8d8a\u6df1\u5165\u5730\u5d4c\u5165\u5ba2\u6237\u7684\u91d1\u878d\u751f\u6d3b\u65f6\uff0c\u94f6\u884c\u65e0\u6cd5\u5750\u89c6\u4e0d\u7ba1\u3002<\/p>\n

\u6b63\u56e0\u4e3a\u5982\u6b64\uff0cSquare\u548cAfterpay\u7684\u5408\u5e76<\/a>\u5bf9\u94f6\u884c\u6784\u6210\u4e86\u5982\u6b64\u7d27\u8feb\u7684\u5a01\u80c1\u3002\u5408\u5e76\u540e\u7684BNPL\u662f\u4e00\u5bb6\u589e\u957f\u8fc5\u901f\u3001\u5168\u7403\u4e1a\u52a1\u4e0d\u65ad\u6269\u5927\u7684\u5148\u9a71\u4f01\u4e1a\uff0c\u5176\u652f\u4ed8\u7cfb\u7edf\u589e\u957f\u7f13\u6162\uff0c\u4f46\u66f4\u8d34\u8fd1\u94f6\u884c\u4e1a\u52a1\u3002<\/p>\n

\u4e24\u5bb6\u516c\u53f8\u5408\u5e76\u540e\uff0cSquare\u5c06\u5728\u6fb3\u5927\u5229\u4e9a\u8bc1\u4ea4\u6240\u4e0a\u5e02\uff0c\u5e76\u53ef\u80fd\u7ee7\u7eed\u5c06\u6fb3\u5927\u5229\u4e9a\u4f5c\u4e3a\u65b0\u521b\u610f\u7684\u8bd5\u9a8c\u573a\uff0c\u56e0\u6b64\u7ade\u4e89\u5c06\u53d8\u5f97\u975e\u5e38\u660e\u663e\u3002<\/p>\n

\u53e6\u4e00\u4e2a\u6570\u5b57\u98a0\u8986\u7684\u4f8b\u5b50\u662f\uff0c\u82f9\u679c\u6b63\u8003\u8651\u5728\u5176Apple Pay\u670d\u52a1\u4e2d\u5f15\u5165BNPL\u5f0f\u7684\u8d37\u6b3e\u2014\u2014\u76f4\u63a5\u8fdb\u5165\u8be5\u884c\u4fe1\u7528\u5361\u4e1a\u52a1\u7684\u4e00\u4e2a\u9886\u57df\u3002<\/p>\n

PayPal\u4e5f\u5c06\u6210\u4e3aBNPL\u9886\u57df\u7684\u91cd\u8981\u53c2\u4e0e\u8005\u3002<\/p>\n

\u6570\u5b57\u94b1\u5305\u6210\u4e3a\u4e3b\u8981\u7684\u652f\u4ed8\u89e3\u51b3\u65b9\u6848<\/h2>\n

\u56e0\u6b64\uff0c\u79d1\u660e\u6b63\u786e\u5730\u6307\u51fa\uff0c\u82f9\u679c\u7684\u4efb\u4f55\u7cfb\u7edf\u90fd\u8ba9\u5b83\u5728\u4e00\u4e2a\u975e\u5e38\u6d41\u884c\u7684\u652f\u4ed8\u7cfb\u7edf\u4e0a\u62e5\u6709\u8fd1\u4e4e\u5784\u65ad\u7684\u6743\u529b\uff0c\u6bd4\u5982\u4e0e\u6570\u5b57\u94b1\u5305\u5339\u914d\u7684\u201c\u89e6\u78b0\u8d70(touch and go)\u201d\u652f\u4ed8\u7cfb\u7edf\u3002<\/p>\n

\u636e\u4ed6\u4f30\u8ba1\uff0c\u6570\u5b57\u94b1\u5305\u4ea4\u6613\u5728\u8fc7\u53bb\u4e00\u5e74\u4e2d\u51e0\u4e4e\u7ffb\u4e86\u4e00\u756a\uff0c\u5e76\u6709\u671b\u5728\u4eca\u5e74\u5e74\u5e95\u6210\u4e3a\u6700\u53d7\u6b22\u8fce\u7684\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u5f62\u5f0f\u3002<\/p>\n

\u5f53\u7136\uff0cCommonwealth\u5e76\u6ca1\u6709\u5750\u7b49\u88ab\u7c89\u788e\uff0c\u5b83\u81ea\u5df1\u7684BNPL\u4ea7\u54c1\u5c06\u4e0e\u5176\u4ed6\u5408\u4f5c\u4f19\u4f34\u4e00\u8d77\u53d1\u5e03\uff0c\u5408\u4f5c\u4f19\u4f34\u5305\u62ec\u5728\u7ebf\u96f6\u552e\u5e73\u53f0\u3001\u4e00\u5bb6\u80fd\u6e90\u96f6\u552e\u5546\u548c\u4e00\u5bb6\u7535\u4fe1\u516c\u53f8\uff0c\u65e8\u5728\u8fdb\u4e00\u6b65\u5de9\u56faCBA\u7f51\u7edc\u5185\u7684\u5ba2\u6237\u3002<\/p>\n

Westpac (ASX: WBC)\u91c7\u53d6\u4e86\u4e00\u79cd\u4e0d\u540c\u7684\u65b9\u5f0f\uff0c\u4e0eAfterpay\u8fdb\u884c\u4ea4\u6613<\/a>\uff0c\u8fd9\u6837BNPL\u5c31\u53ef\u4ee5\u63a8\u51fa\u81ea\u5df1\u7684\u94f6\u884c\u8d26\u6237\u4ea7\u54c1\uff0c\u8fd9\u4e9b\u4ea7\u54c1\u5b9e\u9645\u4e0a\u5c06\u88abWestpac\u8d34\u4e0a\u767d\u8272\u6807\u7b7e\u3002<\/p>\n

\u5728Square\u4ea4\u6613\u5b8c\u6210\u540e\uff0c\u8fd9\u7b14\u4ea4\u6613\u53ef\u80fd\u65e0\u6cd5\u7ef4\u6301\u4e0b\u53bb\uff0c\u800c\u4e14\u4e5f\u6ca1\u6709\u53d7\u5230\u5206\u6790\u5e08\u7684\u666e\u904d\u6b22\u8fce\uff0c\u4ed6\u4eec\u5b81\u613f\u770b\u5230\u94f6\u884c\u4e0e\u5ba2\u6237\u53d1\u5c55\u5173\u7cfb\uff0c\u800c\u4e0d\u662f\u5c06\u57fa\u7840\u8bbe\u65bd\u51fa\u79df\u7ed9\u5feb\u901f\u5d1b\u8d77\u7684\u7ade\u4e89\u5bf9\u624b\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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