{"id":45046,"date":"2025-05-27T18:42:01","date_gmt":"2025-05-27T22:42:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/05\/27\/%e7%94%9f%e6%b4%bb%e5%bf%85%e9%9c%80%e5%93%81%e5%85%88%e4%b9%b0%e5%90%8e%e4%bb%98%e5%b7%b2%e6%88%90%e7%be%8e%e6%b6%88%e8%b4%b9%e8%80%85%e5%85%b3%e7%a8%8e%e5%8f%8a%e9%80%9a%e8%83%80\/"},"modified":"2025-05-27T18:42:01","modified_gmt":"2025-05-27T22:42:01","slug":"%e7%94%9f%e6%b4%bb%e5%bf%85%e9%9c%80%e5%93%81%e5%85%88%e4%b9%b0%e5%90%8e%e4%bb%98%e5%b7%b2%e6%88%90%e7%be%8e%e6%b6%88%e8%b4%b9%e8%80%85%e5%85%b3%e7%a8%8e%e5%8f%8a%e9%80%9a%e8%83%80","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/45046","title":{"rendered":"\u751f\u6d3b\u5fc5\u9700\u54c1\u201c\u5148\u4e70\u540e\u4ed8\u201d\u5df2\u6210\u7f8e\u6d88\u8d39\u8005\u5173\u7a0e\u53ca\u901a\u80c0\u538b\u529b\u4e0b\u7684\u65e0\u5948\u6289\u62e9"},"content":{"rendered":"

\u3000\u3000\u3010\u4e16\u754c\u8bf4\u3011\u751f\u6d3b\u5fc5\u9700\u54c1\u201c\u5148\u4e70\u540e\u4ed8\u201d\u5df2\u6210\u7f8e\u6d88\u8d39\u8005\u5173\u7a0e\u53ca\u901a\u80c0\u538b\u529b\u4e0b\u7684\u65e0\u5948\u6289\u62e9<\/strong><\/p>\n

\u3000\u3000\u4e2d\u56fd\u65e5\u62a5\u7f515\u670826\u65e5\u7535 \u636e\u591a\u5bb6\u7f8e\u5a92\u62a5\u9053\uff0c\u539f\u672c\u4e3a\u77ed\u671f\u8d44\u91d1\u5468\u8f6c\u6216\u8d2d\u4e70\u5927\u4ef6\u5546\u54c1\u800c\u63a8\u51fa\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1(buy now pay later\uff0cBNPL)\uff0c\u6b63\u65e5\u76ca\u6210\u4e3a\u7f8e\u6c11\u4f17\u8d2d\u4e70\u57fa\u672c\u751f\u6d3b\u5fc5\u9700\u54c1\u7684\u65e0\u5948\u4e4b\u9009\uff0c\u8fd9\u4e00\u73b0\u8c61\u80cc\u540e\u6298\u5c04\u51fa\u7f8e\u56fd\u6d88\u8d39\u8005\u8d22\u52a1\u72b6\u51b5\u7684\u4e25\u5cfb\u5206\u5316\u3002<\/p>\n

\u3000\u3000\u9488\u5bf9\u8fd9\u79cd\u8d8b\u52bf\uff0c\u7f8e\u56fd\u798f\u514b\u65af\u5546\u4e1a\u9891\u9053(Fox Business)23\u65e5\u7684\u62a5\u9053\u63f4\u5f15\u4e86CFRA\u7814\u7a76\u516c\u53f8(CFRA Research)\u526f\u603b\u88c1\u517c\u9ad8\u7ea7\u80a1\u7968\u5206\u6790\u5e08\u963f\u4f26\u00b7\u5b59\u8fbe\u62c9\u59c6(Arun Sundaram)\u7684\u8bdd\u79f0\uff1a\u201c\u5f53\u77ed\u671f\u73b0\u91d1\u6d41\u4f18\u5148\u4e8e\u957f\u671f\u8d22\u52a1\u7a33\u5b9a\u65f6\uff0c\u8fd9\u53ef\u80fd\u9884\u793a\u7740\u66f4\u4e25\u91cd\u7684\u8d22\u52a1\u538b\u529b\uff0c\u672a\u6765\u53ef\u80fd\u4f1a\u4ea7\u751f\u8fde\u9501\u53cd\u5e94\u3002\u201d<\/p>\n

\u3000\u3000\u5728\u4e0d\u786e\u5b9a\u6027\u73af\u5883\u4e0b\uff0c\u98ce\u9669\u9010\u6e10\u7d2f\u79ef<\/strong><\/p>\n

\u3000\u3000\u62a5\u9053\u6307\u51fa\uff0c\u5f53\u524d\u8d8a\u6765\u8d8a\u591a\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7528\u6237\u5f00\u59cb\u7528\u8fd9\u79cd\u77ed\u671f\u8d37\u6b3e\u8d2d\u4e70\u98df\u54c1\u6742\u8d27\u3002\u7f8e\u56fd\u4fe1\u8d37\u516c\u53f8\u201c\u501f\u8d37\u6811\u201d(Lending Tree)4\u6708\u4efd\u7684\u4e00\u4efd\u62a5\u544a\u663e\u793a\uff0c25%\u7684\u6b64\u7c7b\u7528\u6237\u66fe\u7528\u8be5\u670d\u52a1\u8d2d\u4e70\u98df\u54c1\u6742\u8d27\uff0c\u800c\u4e00\u5e74\u524d\u8fd9\u4e00\u6bd4\u4f8b\u4ec5\u4e3a14%\u3002<\/p>\n

\u3000\u3000\u8fd1\u5e74\u6765\uff0c\u56ca\u4e2d\u7f9e\u6da9\u7684\u6d88\u8d39\u8005\u504f\u597d\u901a\u8fc7Afterpay\u3001Affirm\u8fd9\u7c7b\u501f\u8d37\u670d\u52a1\u6765\u201c\u5145\u5b9e\u201d\u81ea\u5df1\u7684\u94b1\u5305\u3002\u4f20\u7edf\u4e0a\uff0c\u8fd9\u4e9b\u670d\u52a1\u591a\u7528\u4e8e\u8d2d\u4e70\u5927\u4ef6\u5546\u54c1\uff0c\u8ba9\u6d88\u8d39\u8005\u80fd\u591f\u5206\u671f\u4ed8\u6b3e\uff0c\u800c\u4e14\u901a\u5e38\u4e0d\u6536\u53d6\u5229\u606f\u6216\u624b\u7eed\u8d39(\u9664\u5ef6\u671f\u8fd8\u6b3e\u5916)\u3002\u7136\u800c\uff0c\u73b0\u5b9e\u60c5\u51b5\u5374\u4e0d\u5bb9\u4e50\u89c2\u3002\u7814\u7a76\u8868\u660e\uff0c\u4e0d\u4ec5\u4f7f\u7528\u8fd9\u4e9b\u670d\u52a1\u7684\u6d88\u8d39\u8005\u589e\u591a\u4e86\uff0c\u800c\u4e14\u8fd8\u7ecf\u5e38\u51fa\u73b0\u903e\u671f\u8fd8\u6b3e\u95ee\u9898\u3002<\/p>\n

\u3000\u3000\u201c\u501f\u8d37\u6811\u201d\u9996\u5e2d\u6d88\u8d39\u91d1\u878d\u5206\u6790\u5e08\u9a6c\u7279\u00b7\u8212\u5c14\u8328(Matt Schulz)\u79f0\uff0c\u62a5\u544a\u4e2d\u7684\u6570\u636e\u201c\u663e\u7136\u8868\u660e\u4eba\u4eec\u6b63\u5728\u82e6\u82e6\u6323\u624e\uff0c\u5e76\u5728\u7269\u4ef7\u4e0a\u6da8\u548c\u6574\u4f53\u7ecf\u6d4e\u4e0d\u786e\u5b9a\u6027\u7684\u60c5\u51b5\u4e0b\u5bfb\u627e\u529e\u6cd5\u7a0d\u5fae\u5ef6\u957f\u81ea\u5df1\u7684\u9884\u7b97\u3002\u201d<\/p>\n

\u3000\u3000\u591a\u91cd\u56e0\u7d20\u63a8\u9ad8\u98df\u54c1\u4ef7\u683c\u9ad8\u4f01<\/strong><\/p>\n

\u3000\u3000\u4ece2020\u5e74\u52302024\u5e74\uff0c\u7528\u4e8e\u8861\u91cf\u6c7d\u6cb9\u3001\u6742\u8d27\u548c\u623f\u79df\u7b49\u65e5\u5e38\u7528\u54c1\u6210\u672c\u7684\u5e7f\u6cdb\u6307\u6807\u2014\u2014\u7f8e\u56fd\u5168\u98df\u54c1\u6d88\u8d39\u4ef7\u683c\u6307\u6570(CPI)\u4e0a\u6da8\u4e8623.6%\uff0c\u8d85\u8fc7\u4e86\u540c\u671f\u6574\u4f53\u6307\u657021.2%\u7684\u6da8\u5e45\u3002<\/p>\n

\u3000\u3000\u636e\u7f8e\u56fd\u519c\u4e1a\u90e8(USDA)\u6d88\u606f\uff0c\u5bfc\u81f4\u98df\u54c1\u6210\u672c\u4e0a\u5347\u7684\u4e3b\u8981\u539f\u56e0\u6709\u4f9b\u5e94\u94fe\u4e2d\u65ad\u3001\u79bd\u6d41\u611f\u7b49\uff0c\u800c\u5730\u7f18\u653f\u6cbb\u51b2\u7a81\u4e5f\u52a0\u5267\u4e86\u5176\u4ed6\u7ecf\u6d4e\u8303\u56f4\u5185\u7684\u901a\u80c0\u538b\u529b\uff0c\u6bd4\u5982\u9ad8\u6602\u7684\u80fd\u6e90\u6210\u672c\u3002\u5c3d\u7ba12023\u5e74\u548c2024\u5e74\u98df\u54c1\u4ef7\u683c\u589e\u957f\u653e\u7f13\uff0c\u4f46\u4e00\u4e9b\u4e13\u5bb6\u62c5\u5fc3\uff0c\u7279\u6717\u666e\u653f\u5e9c\u6301\u7eed\u7684\u8d38\u6613\u6218\u53ef\u80fd\u4f1a\u518d\u6b21\u63a8\u9ad8\u98df\u54c1\u4ef7\u683c\u3002<\/p>\n

\u3000\u3000\u8212\u5c14\u8328\u8bf4\uff1a\u201c\u6211\u4eec\u5728\u6742\u8d27\u5e97\u8d27\u67b6\u4e0a\u770b\u5230\u7684\u5f88\u591a\u4e1c\u897f\u90fd\u662f\u8fdb\u53e3\u7684\uff0c\u6bd4\u5982\u5496\u5561\u3001\u6c34\u679c\u548c\u6d77\u9c9c\u3002\u5f88\u9057\u61be\uff0c\u8fd9\u5c31\u610f\u5473\u7740\u4f60\u7684\u8d2d\u7269\u6e05\u5355\u4e0a\u81f3\u5c11\u6709\u4e00\u4e9b\u5546\u54c1\u4f1a\u5728\u4e0d\u4e45\u7684\u5c06\u6765\u6da8\u4ef7\u3002\u201d\u4ed6\u5efa\u8bae\u6d88\u8d39\u8005\u5728\u505a\u9884\u7b97\u65f6\u5e94\u8be5\u5f00\u59cb\u5c06\u6210\u672c\u589e\u52a0\u7684\u56e0\u7d20\u8003\u8651\u5728\u5185\uff1a\u201c\u8fd9\u53ef\u80fd\u9700\u8981\u505a\u51fa\u4e00\u4e9b\u53d6\u820d\uff0c\u4f46\u5b81\u53ef\u672a\u96e8\u7ef8\u7f2a\u6700\u7ec8\u83b7\u5f97\u60ca\u559c\uff0c\u4e5f\u603b\u597d\u8fc7\u5fc3\u5b58\u4fa5\u5e78\u4f46\u6700\u540e\u63aa\u624b\u4e0d\u53ca\u3002\u201d<\/p>\n

\u3000\u3000\u9677\u5165\u503a\u52a1\u602a\u5708\uff0c\u6d88\u8d39\u8005\u7ecf\u6d4e\u538b\u529b\u6108\u53d1\u6c89\u91cd<\/strong><\/p>\n

\u3000\u3000\u7f8e\u8054\u793e22\u65e5\u7684\u62a5\u9053\u4e2d\u8fd8\u63d0\u5230\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u7528\u6237\u96be\u4ee5\u507f\u8fd8\u201c\u5148\u4e70\u540e\u4ed8\u201d\u8d37\u6b3e\u3002\u77ed\u671f\u8d37\u6b3e\u673a\u6784\u62c9\u7eb3(Klarna)\u7684\u8fd9\u4e00\u62ab\u9732\u4e0e\u94f6\u7387\u7f51(Bankrate)\u548c\u201c\u501f\u8d37\u6811\u201d\u7684\u62a5\u9053\u76f8\u543b\u5408\uff0c\u8fd9\u4e24\u5bb6\u5e73\u53f0\u79f0\uff0c\u5728\u6240\u6709\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7528\u6237\u4e2d\uff0c\u8868\u793a\u903e\u671f\u8fd8\u6b3e\u7684\u6bd4\u4f8b\u5728\u4e0a\u5347\u3002<\/p>\n

\u3000\u3000\u4e00\u4e9b\u5206\u6790\u5e08\u8868\u793a\uff0c\u90e8\u5206\u7f8e\u56fd\u4eba\u672a\u80fd\u6309\u65f6\u8fd8\u6b3e\u6216\u903e\u671f\u8fd8\u6b3e\uff0c\u8fd9\u8868\u660e\u4ed6\u4eec\u7684\u8d22\u52a1\u72b6\u51b5\u51fa\u73b0\u6076\u5316\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u7f8e\u56fd\u6d88\u8d39\u8005\u503a\u52a1\u603b\u989d\u5347\u81f3\u521b\u7eaa\u5f55\u768418.2\u4e07\u4ebf\u7f8e\u5143\uff0c\u7279\u6717\u666e\u653f\u5e9c\u4e5f\u5728\u52a0\u7d27\u8ffd\u8ba8\u8054\u90a6\u5b66\u751f\u8d37\u6b3e\u3002<\/p>\n

\u3000\u3000\u9009\u62e9\u901a\u8fc7\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1\u6765\u4e3a\u8d2d\u7269\u201c\u878d\u8d44\u201d\u7684\u6d88\u8d39\u8005\u5f80\u5f80\u6bd4\u666e\u901a\u6d88\u8d39\u8005\u66f4\u5e74\u8f7b\uff0c\u7f8e\u8054\u50a8\u53bb\u5e74\u7684\u4e00\u9879\u7814\u7a76\u79f0\uff0c\u975e\u88d4\u548c\u62c9\u7f8e\u88d4\u5973\u6027\u5c24\u5176\u53ef\u80fd\u4f7f\u7528\u8fd9\u4e9b\u8ba1\u5212\uff0c\u800c\u4e14\u6240\u6709\u6536\u5165\u6c34\u5e73\u7684\u6d88\u8d39\u8005\u90fd\u5728\u8d8a\u6765\u8d8a\u591a\u5730\u91c7\u7528\u8fd9\u79cd\u8ba1\u5212\u3002\u201c\u501f\u8d37\u6811\u201d\u7684\u62a5\u544a\u8fd8\u663e\u793a\uff0c\u7ea6\u56db\u6210\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u7528\u6237\u8868\u793a\uff0c\u4ed6\u4eec\u5728\u8fc7\u53bb\u4e00\u5e74\u4e2d\u66fe\u6709\u8fc7\u903e\u671f\u8fd8\u6b3e\u7684\u60c5\u51b5\uff0c\u800c\u53bb\u5e74\u8fd9\u4e00\u6bd4\u4f8b\u4ec5\u4e3a\u4e09\u6210\u3002<\/p>\n

\u3000\u3000\u7814\u7a76\u6d88\u8d39\u8005\u884c\u4e3a\u548c\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1\u7684\u5723\u5730\u4e9a\u54e5\u5927\u5b66\u514b\u7459\u65af\u5546\u5b66\u9662\u5e02\u573a\u8425\u9500\u7cfb\u4e3b\u4efb\u8d3e\u65af\u6c40\u00b7\u6cd5\u96f7\u5c14(Justine Farrell)\u8868\u793a\uff0c\u5f53\u6d88\u8d39\u8005\u65e0\u6cd5\u6309\u65f6\u507f\u8fd8\u8d37\u6b3e\u65f6\uff0c\u4f1a\u8fdb\u4e00\u6b65\u52a0\u5267\u4ed6\u4eec\u672c\u5df2\u6c89\u91cd\u7684\u7ecf\u6d4e\u538b\u529b\u3002\u201c\u6d88\u8d39\u8005\u7684\u8d22\u52a1\u72b6\u51b5\u611f\u89c9\u6bd4\u4ee5\u5f80\u4efb\u4f55\u65f6\u5019\u90fd\u66f4\u6349\u895f\u89c1\u8098\u3002\u9664\u4e86\u623f\u79df\u548c\u5176\u4ed6\u5546\u54c1\u4e4b\u5916\uff0c\u98df\u54c1\u4ef7\u683c\u4e5f\u5728\u6301\u7eed\u4e0a\u6da8\u2026\u2026\u6240\u4ee5\u6d88\u8d39\u8005\u6b63\u5728\u5229\u7528\u2018\u5148\u4e70\u540e\u4ed8\u2019\u8fd9\u79cd\u65b9\u5f0f\u6765\u8d2d\u4e70\u5546\u54c1\u3002\u201d<\/p>\n

\u3000\u3000\u77ed\u671f\u201c\u6551\u547d\u7a3b\u8349\u201d\u6b63\u6f14\u53d8\u6210\u957f\u671f\u8d1f\u62c5<\/strong><\/p>\n

\u3000\u3000Moneywise\u7f51\u7ad921\u65e5\u62a5\u9053\u6307\u51fa\uff0c\u5f53\u7f8e\u56fd\u4eba\u5f00\u59cb\u50cf\u8d2d\u4e70\u65b0\u624b\u673a\u6216\u673a\u7968\u90a3\u6837\uff0c\u4e3a\u6bcf\u5468\u7684\u98df\u54c1\u6742\u8d27\u8d2d\u7269\u8fdb\u884c\u201c\u878d\u8d44\u201d\u65f6\uff0c\u663e\u7136\u6709\u4e9b\u4e0d\u6b63\u5e38\u3002\u65b0\u7684\u6570\u636e\u8868\u660e\uff0c\u8fd9\u6070\u6070\u662f\u6b63\u5728\u53d1\u751f\u7684\u4e8b\u60c5\u2014\u2014\u800c\u4e14\u5bf9\u8bb8\u591a\u4eba\u6765\u8bf4\uff0c\u60c5\u51b5\u5e76\u4e0d\u4e50\u89c2\u3002<\/p>\n

\u3000\u3000\u8fc7\u53bb\u4e00\u5e74\uff0c\u5728Z\u4e16\u4ee3\u4e2d\uff0c\u66fe\u7528\u8fd9\u79cd\u65b9\u5f0f\u8d2d\u4e70\u98df\u54c1\u6742\u8d27\u7684\u6bd4\u4f8b\u8dc3\u5347\u81f333%\u3002\u800c\u5ef6\u8fdf\u201c\u5148\u4e70\u540e\u4ed8\u201d\u8d37\u6b3e\u7684\u8fd8\u6b3e\u66f4\u662f\u4e00\u4e2a\u4ee4\u4eba\u62c5\u5fe7\u7684\u8ff9\u8c61\uff0c\u8868\u660e\u8fd9\u79cd\u77ed\u671f\u201c\u6551\u547d\u7a3b\u8349\u201d\u6b63\u5728\u6f14\u53d8\u6210\u957f\u671f\u7684\u8d1f\u62c5\u3002<\/p>\n

\u3000\u3000\u9e21\u86cb\u3001\u9762\u5305\u3001\u725b\u5976\u7b49\u57fa\u672c\u98df\u54c1\u7684\u4ef7\u683c\u6301\u7eed\u6500\u5347\u8ba9\u8bb8\u591a\u7f8e\u56fd\u4eba\u9677\u5165\u56f0\u5883\u3002\u5c3d\u7ba1\u6574\u4f53\u901a\u80c0\u6709\u6240\u964d\u6e29\uff0c\u4f46\u98df\u54c1\u4ef7\u683c\u4ecd\u5c45\u9ad8\u4e0d\u4e0b\uff0c\u5bb6\u5ead\u9884\u7b97\u6bcf\u6708\u90fd\u6108\u53d1\u7d27\u5f20\u3002\u62a5\u9053\u79f0\uff0c\u8fd9\u79cd\u539f\u672c\u7528\u4e8e\u53ef\u81ea\u7531\u652f\u914d\u6d88\u8d39\u7684\u8d37\u6b3e\uff0c\u5982\u4eca\u5374\u88ab\u7528\u4e8e\u8d2d\u4e70\u98df\u54c1\u2014\u2014\u8fd9\u5f15\u53d1\u4e86\u5bf9\u7f8e\u56fd\u4eba\u6d88\u8d39\u4e60\u60ef\u548c\u66f4\u5e7f\u6cdb\u7ecf\u6d4e\u538b\u529b\u7684\u62c5\u5fe7\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u3000\u3000\u3010\u4e16\u754c\u8bf4\u3011\u751f\u6d3b\u5fc5\u9700\u54c1\u201c\u5148\u4e70\u540e\u4ed8\u201d\u5df2\u6210\u7f8e\u6d88\u8d39\u8005\u5173\u7a0e\u53ca\u901a\u80c0\u538b\u529b\u4e0b\u7684\u65e0\u5948\u6289\u62e9 \u3000\u3000\u4e2d\u56fd\u65e5\u62a5\u7f515\u670826\u65e5\u7535 \u636e\u591a\u5bb6\u7f8e\u5a92\u62a5\u9053\uff0c\u539f\u672c\u4e3a\u77ed\u671f\u8d44\u91d1\u5468\u8f6c\u6216\u8d2d\u4e70\u5927\u4ef6\u5546\u54c1\u800c\u63a8\u51fa\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1(buy now pay…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-45046","post","type-post","status-publish","format-standard","hentry","category-guoji"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/45046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/comments?post=45046"}],"version-history":[{"count":0,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/45046\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=45046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=45046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=45046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}