{"id":16111,"date":"2022-10-03T09:00:32","date_gmt":"2022-10-03T01:00:32","guid":{"rendered":"https:\/\/www.ileolife.com\/?p=16111"},"modified":"2022-09-29T18:14:40","modified_gmt":"2022-09-29T10:14:40","slug":"bnpl%e6%93%b4%e5%bc%b5%e8%bf%85%e9%80%9f%e9%81%95%e7%b4%84%e7%8e%87%e5%a4%a7%e5%a2%9e%ef%bc%8c%e5%a0%b1%e5%91%8a%e6%8f%ad3%e5%a4%a7%e9%9a%b1%e6%86%82%ef%bc%81%e7%be%8e%e5%9c%8b%e5%b0%87%e5%9a%b4","status":"publish","type":"post","link":"https:\/\/www.ileolife.com\/?p=16111","title":{"rendered":"BNPL\u64f4\u5f35\u8fc5\u901f\u9055\u7d04\u7387\u5927\u589e\uff0c\u5831\u544a\u63ed3\u5927\u96b1\u6182\uff01\u7f8e\u570b\u5c07\u56b4\u52a0\u76e3\u7ba1"},"content":{"rendered":"\t\t
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\u75ab\u60c5\u5927\u7206\u767c\u671f\u9593\uff0c\u5148\u8cb7\u5f8c\u4ed8\uff08BNPL\uff09\u7684\u65b9\u5f0f\u53d7\u5230\u559c\u611b\uff0c\u696d\u52d9\u5927\u589e\u3002\u6839\u64da\u7f8e\u570b\u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40\uff08CFPB\uff09\u7684\u5831\u544a\uff0c\u63a5\u53d7\u8abf\u67e5\u76845\u9593\u5148\u8cb7\u5f8c\u4ed8\u516c\u53f82021\u5e74\u767c\u4e861.8\u5104\u7b46\u8cb8\u6b3e\uff0c\u7e3d\u91d1\u984d\u9054\u5230240\u5104\u7f8e\u5143\uff08\u7d047,500\u5104\u65b0\u53f0\u5e63\uff09\uff0c\u76f8\u8f03\u65bc2019\u5e74\u589e\u9577\u4e8610\u500d\u3002\u7576\u5c40\u64d4\u5fc3\u878d\u8cc7\u5546\u54c1\u7684\u5feb\u901f\u64f4\u5f35\uff0c\u6703\u5371\u5bb3\u5230\u6d88\u8cbb\u8005\uff0c\u8a08\u756b\u5be6\u65bd\u9069\u7576\u7684\u76e3\u7ba1\u63aa\u65bd\u3002<\/p>

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CFPB \u8463\u4e8b\u4e18\u666e\u62c9 (Rohit Chopra)\u6307\u51fa\uff0c\u4ed6\u627f\u8afe\u5be9\u67e5\u9019\u4e9b\u79d1\u6280\u516c\u53f8\uff0c\u56e0\u70ba\u4ed6\u5011\u64f4\u5f35\u5230\u50b3\u7d71\u7684\u91d1\u878d\u670d\u52d9\u9818\u57df\u3002\u904e\u53bb\u5728\u7f8e\u570b\u91d1\u878d\u670d\u52d9\u548c\u5546\u696d\u6d3b\u52d5\u901a\u5e38\u662f\u5206\u958b\u7684\uff0c\u4f46\u79d1\u6280\u516c\u53f8\u6574\u5408\u4e86\u652f\u4ed8\u6280\u8853\u548c\u91d1\u878d\u670d\u52d9\uff0c\u9019\u689d\u754c\u7dda\u5c07\u6703\u9010\u6f38\u6d88\u5931\u3002

<\/p>

BNPL\u64f4\u5927\u61c9\u7528\uff0c\u80cc\u5f8c\u85cf3\u5927\u96b1\u6182<\/span><\/strong><\/h3>

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  1. \u6d88\u8cbb\u8005\u4fdd\u8b77\u898f\u7bc4\u6a21\u7cca\uff1aBNPL\u7522\u54c1\u5e36\u7d66\u7528\u6236\u8a31\u591a\u6f5b\u5728\u7684\u50b7\u5bb3\uff0c\u5176\u4e2d\u5305\u542b\u7f3a\u4e4f\u660e\u78ba\u7684\u8cb8\u6b3e\u689d\u6b3e\u7d30\u7bc0\u3001\u89e3\u6c7a\u722d\u8b70\u7684\u65b9\u6cd5\u4ee5\u53ca\u8981\u6c42\u6240\u6709\u7684\u4ed8\u6b3e\u90fd\u5fc5\u9808\u4f7f\u7528\u81ea\u52d5\u6263\u6b3e\u3002<\/li>
  2. \u8490\u96c6\u6578\u64da\u4fb5\u72af\u7528\u6236\u96b1\u79c1\uff1a\u548c\u5176\u4ed6\u79d1\u6280\u516c\u53f8\u985e\u4f3c\uff0cBNPL\u516c\u53f8\u7d93\u5e38\u8490\u96c6\u6d88\u8cbb\u8005\u7684\u6d3b\u52d5\u6578\u64da\uff0c\u6839\u64da\u8490\u96c6\u4f86\u7684\u8cc7\u6599\u5efa\u69cb\u65b0\u6a21\u578b\u3001\u7522\u54c1\u529f\u80fd\u7684\u6539\u5584\u8207\u884c\u92b7\u63a8\u5ee3\u6d3b\u52d5\u3002\u9019\u4e9b\u52d5\u4f5c\u90fd\u6703\u640d\u5bb3\u6d88\u8cbb\u8005\u7684\u96b1\u79c1\u6b0a\u548c\u81ea\u4e3b\u6b0a\u3002<\/li>
  3. \u904e\u5ea6\u6d88\u8cbb\u5c0e\u81f4\u7528\u6236\u50b5\u53f0\u9ad8\u7bc9\uff1a\u7531\u65bc\u516c\u53f8\u4e0d\u900f\u660e\u7684\u5be9\u67e5\u6a5f\u5236\uff0c\u8b93\u6d88\u8cbb\u8005\u53ef\u80fd\u6703\u758a\u52a0\u591a\u7b46\u8cb8\u6b3e\u540c\u6642\u9032\u884c\uff0c\u983b\u7e41\u7684\u4f7f\u7528BNPL\u8b93\u6d88\u8cbb\u8005\u6709\u904e\u5ea6\u6d88\u8cbb\u7684\u98a8\u96aa\uff0c\u6700\u7d42\u5c0e\u81f4\u9055\u7d04\u7387\u5927\u589e\u3002<\/li><\/ol>

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    <\/p>

    BNPL\u516c\u53f8\u7684\u56de\u61c9<\/span><\/strong><\/h3>

    \u300aBBC\u300b\u66fe\u5728\u6587\u7ae0\u4e2d\u4ecb\u7d39\u4e86BNPL\u7684\u71df\u5229\u6a21\u5f0f\uff0c\u516c\u53f8\u6700\u5927\u7684\u71df\u6536\u4f86\u6e90\u662f\u5f9e\u96f6\u552e\u696d\u8005\u7aef\uff0c\u5f9e\u6bcf\u7b46\u900f\u904eBNPL\u7684\u4ea4\u6613\u4e2d\u62bd\u53d6\u624b\u7e8c\u8cbb\uff0c\u800c\u975e\u4f86\u81ea\u6d88\u8cbb\u8005\u7684\u9055\u7d04\u6eef\u7d0d\u91d1\u3002Klarna\u3001Clearpay\u548cLaybuy\u89e3\u91cb\uff0c\u901a\u904e\u63d0\u4f9b\u5148\u8cb7\u5f8c\u4ed8\u7684\u670d\u52d9\uff0c\u53ef\u4ee5\u4fc3\u9032\u92b7\u552e\u4e26\u6709\u6548\u63d0\u9ad8\u5e73\u5747\u5ba2\u55ae\u50f9\u3002\u6240\u4ee5\u53ea\u8981\u6d88\u8cbb\u8d8a\u591a\uff0cBNPL\u516c\u53f8\u7684\u7372\u5229\u5c31\u8d8a\u5927\u3002<\/p>

    CFPB\u7684\u5831\u544a\u4e2d\uff0c\u53d7\u8abf\u67e5\u7684\u4e94\u5bb6\u516c\u53f8\u70baPayPal\u3001Block\u3001Affirm\u3001Klarna \u548c\u6fb3\u6d32\u7684Zip\u3002\u6839\u64da\u300a\u8def\u900f\u793e\u300b\u5831\u5c0e\uff0c\u9019\u4e9b\u516c\u53f8\u505a\u51fa\u4e86\u7c21\u55ae\u7684\u56de\u61c9\u3002Affirm\u767c\u8a00\u4eba\u8868\u793a\uff0cBNPL\u76ee\u7684\u662f\u63d0\u4f9b\u7528\u6236\u5b89\u5168\u3001\u8aa0\u4fe1\u548c\u8ca0\u8cac\u7684\u652f\u4ed8\u65b9\u5f0f\u4f86\u589e\u52a0\u6d88\u8cbb\u8005\u7684\u9ad4\u9a57\uff0c\u800c\u4e0d\u662f\u6536\u53d6\u6eef\u7d0d\u91d1\u6216\u96b1\u533f\u4efb\u4f55\u8cbb\u7528\u3002\u4e26\u5c0dCFPB\u7684\u5be9\u67e5\u5831\u544a\u611f\u5230\u632f\u596e\uff0c\u56e0\u70ba\u8207\u50b3\u7d71\u4fe1\u8cb8\u5546\u54c1\u76f8\u6bd4\uff0cBNPL\u7684\u78ba\u660e\u986f\u964d\u4f4e\u6d88\u8cbb\u8005\u7684\u8cfc\u8cb7\u6210\u672c\u3002<\/p>

    Klarna\u8868\u793a\uff0c\u516c\u53f8\u81f4\u529b\u900f\u904e\u5275\u65b0\u548c\u4e00\u5b9a\u7684\u76e3\u7406\u6a5f\u5236\u7dad\u8b77\u516c\u53f8\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u4e26\u4fdd\u8b77\u6d88\u8cbb\u8005\uff1bZip\u5247\u6307\u51fa\uff0c\u611f\u8b1dCFPB\u80af\u5b9aBNPL\u5e36\u7d66\u6d88\u8cbb\u8005\u7684\u50f9\u503c\uff0c\u5305\u542b\u5bb9\u6613\u7372\u5f97\u8cb8\u6b3e\u8207\u8f03\u4f4e\u7684\u4f7f\u7528\u6210\u672c\u3002\u91d1\u878d\u79d1\u6280\u5354\u6703(FTA)\u7684\u57f7\u884c\u9577Penny Lee\u5247\u8a8d\u70ba\uff0c\u9019\u4efd\u5831\u544a\u660e\u78ba\u6307\u51faBNPL\u662f\u6240\u6709\u9ad8\u5229\u4fe1\u8cb8\u4e2d\u6709\u9ad8\u5ea6\u7af6\u722d\u6027\u7684\u66ff\u4ee3\u54c1\uff0c\u4e26\u671f\u5f85\u5f8c\u7e8c\u548c\u76e3\u7ba1\u55ae\u4f4d\u7684\u5408\u4f5c\uff0c\u7a4d\u6975\u4fdd\u8b77\u6d88\u8cbb\u8005\u3002

    <\/p>

    \u672c\u6587\u7d93<\u6578\u4f4d\u6642\u4ee3<\/a><\/span>>\u6388\u6b0a\u8f49\u8f09<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

    \n\t\t\t\t\t\t
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