{"id":1395,"date":"2021-08-29T23:55:00","date_gmt":"2021-08-29T15:55:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=1395"},"modified":"2025-09-18T10:25:49","modified_gmt":"2025-09-18T02:25:49","slug":"%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/","title":{"rendered":"\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u6700\u91cd\u8981\u7684\u4e0a\u5e02\u4f01\u696d\u4e4b\u4e00\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 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href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/#%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\" >\u80a1\u50f9\u8868\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/#%E8%B2%BB%E5%9F%83%E5%93%B2%E7%9A%84%E5%A3%9F%E6%96%B7%E5%BC%95%E7%99%BC%E4%B8%8D%E6%BB%BF\" >\u8cbb\u57c3\u54f2\u7684\u58df\u65b7\u5f15\u767c\u4e0d\u6eff<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/#%E4%BD%86%E6%96%B0%E7%9A%84%E7%AB%B6%E7%88%AD%E8%80%85%E5%B7%B2%E7%B6%93%E5%87%BA%E7%8F%BE\" >\u4f46\u65b0\u7684\u7af6\u722d\u8005\u5df2\u7d93\u51fa\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/#%E4%B8%AD%E5%9C%8B%E7%9A%84%E7%94%A2%E6%A5%AD%E7%8B%80%E6%B3%81\" >\u4e2d\u570b\u7684\u7522\u696d\u72c0\u6cc1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E5%AE%83%E5%92%8C%E7%BE%8E%E5%9C%8B%E6%B6%88%E8%B2%BB%E9%87%91%E8%9E%8D%E7%95%8C%E9%AB%98%E5%BA%A6%E7%9B%B8%E9%97%9C\"><\/span><strong>\u5b83\u548c\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u9ad8\u5ea6\u76f8\u95dc <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u5728\u4e4b\u524d\u767c\u8868\u904e\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/05\/09\/%e6%b6%88%e8%b2%bb%e8%80%85%e4%bf%a1%e8%a9%95equifax%e5%8d%9a%e7%9d%bfexperian%e5%92%8c%e7%92%b0%e8%81%af\/\">\u4e09\u5927\u6d88\u8cbb\u8005\u4fe1\u8a55\u516c\u53f8Equifax\u3001\u535a\u777f\uff08Experian\uff09\u3001\u548c\u74b0\u806f\uff08TransUnion\uff09<\/a>\u300b\u4e00\u6587\uff0c\u4ecb\u7d39\u904e\u7f8e\u570b\u7684\u4e09\u5927\u6d88\u8cbb\u8005\u4fe1\u8a55\u516c\u53f8\u3002\u9019\u7bc7\u6587\u7ae0\u8981\u5411\u5927\u5bb6\u4ecb\u7d39\u4e00\u5bb6\u6211\u81ea\u5df1\u8a8d\u70ba\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u6700\u91cd\u8981\u7684\u4e0a\u5e02\u4f01\u696d\u4e4b\u4e00\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09\uff08Fair Isaac\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aFICO\uff09\uff0c\u5b83\u4e4b\u6240\u4ee5\u91cd\u8981\u662f\u7f8e\u570b\u6240\u6709\u5f9e\u4e8b\u7684\u6d88\u91d1\u6709\u95dc\u696d\u52d9\u7684\u516c\u53f8\uff0c\u5f9e\u9280\u884c\u3001\u4fe1\u7528\u5361\u3001\u8cb8\u6b3e\u696d\u8005\u5e7e\u4e4e\u90fd\u5f97\u4ef0\u8cf4\u5b83\u7684\u670d\u52d9\u3002\u8cbb\u57c3\u54f2\u81ea\u5df2\u516c\u4f48\u904e\uff1b90%\u7684\u7f8e\u570b\u9280\u884c\u3001\u4fe1\u7528\u5361\u3001\u8cb8\u6b3e\u696d\u8005\u90fd\u662f\u5b83\u7684\u5ba2\u6236\u3002\u751f\u6d3b\u5728\u7f8e\u570b\u7684\u4eba\uff0c\u5e7e\u4e4e\u4e0d\u53ef\u80fd\u6c92\u807d\u904e\u9019\u5bb6\u516c\u53f8<strong>\u2500\u2500<\/strong>\u2500\u2500\u56e0\u70ba\u4f60\u7684\u4fe1\u7528\u5206\u6578\u5c31\u662f\u9019\u5bb6\u516c\u53f8\u7684\u5091\u4f5c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE\"><\/span><strong>\u80a1\u50f9\u8868\u73fe<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6295\u8cc7\u4eba\u7684\u53cd\u6620\u5982\u4f55\u5462\uff1f\u904e\u53bb10\u5e74\u5b83\u7684\u80a1\u50f9\u6f32\u4e86908%\uff0c\u904e\u53bb\uff15\u5e74\u4e5f\u5927\u6f32\u4e86248%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"630\" height=\"342\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/08\/1-1600x1200-4.png\" alt=\"\" class=\"wp-image-5037\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/08\/1-1600x1200-4.png 630w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/08\/1-1600x1200-4-300x163.png 300w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E8%B2%BB%E5%9F%83%E5%93%B2%E7%9A%84%E5%A3%9F%E6%96%B7%E5%BC%95%E7%99%BC%E4%B8%8D%E6%BB%BF\"><\/span><strong>\u8cbb\u57c3\u54f2\u7684\u58df\u65b7\u5f15\u767c\u4e0d\u6eff<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e09\u5927\u6d88\u8cbb\u8005\u4fe1\u8a55\u516c\u53f8Equifax\u3001\u535a\u777f\uff08Experian\uff09\u3001\u548cTransunion\uff0c\u5c0d\u5b83\u53ef\u662f\u611b\u6068\u4ea4\u52a0\uff0c\u56e0\u70ba\u592a\u904e\u4ef0\u8cf4\u5b83\u7684\u670d\u52d9\u70ba\u4e86\u64fa\u812b\u8cbb\u57c3\u54f2\uff0c\u4e0d\u50c5\u4ee5<a href=\"https:\/\/www.politico.com\/news\/2020\/03\/13\/justice-fair-isaac-antitrust-129204#:~:text=Fair%20Isaac%20also%20sued%20TransUnion,forward%20with%20its%20antitrust%20allegations.\" target=\"_blank\" rel=\"noreferrer noopener\">\u53cd\u58df\u65b7\u7406\u7531\u628a\u5b83\u544a\u4e0a\u6cd5\u9662<\/a>\uff1b\u4e09\u5bb6\u516c\u53f8\u9084\u806f\u5408\u6210\u7acb\u4e00\u5bb6\u516c\u53f8\u4f86\u5c0d\u6297\u8cbb\u57c3\u54f2\uff0c\u4f46\u7d93\u904e\u5e7e\u5e74\u5e02\u5834\u4e0a\u7684\u8b49\u660e\uff0c\u81f3\u4eca\u70ba\u6b62\uff0c\u4e26\u6c92\u6709\u5c0d\u8cbb\u57c3\u54f2\u9020\u6210\u91cd\u5927\u7684\u5f71\u97ff\u3002\u539f\u56e0\u662f\u9019\u500b\u5e02\u5834\u5920\u5927\uff0c\u4f46\u53e6\u4e00\u500b\u66f4\u91cd\u8981\u7684\u539f\u56e0\u662f\u8cbb\u57c3\u54f2\u7684\u5207\u63db\u6210\u672c\uff08Switch Cost\uff09\u8b77\u57ce\u6cb3\u5df2\u7d93\u5f62\u6210\uff0c\u6771\u897f\u6c92\u6709\u51fa\u5927\u554f\u984c\uff0c\u6c92\u6709\u5ba2\u6236\u6703\u60f3\u63db\u3002\u7c21\u8a00\u4e4b\uff0c\u8cbb\u57c3\u54f2\u5177\u6709\u5a01\u58eb\uff08Visa\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u6216\u842c\u4e8b\u9054\uff08Mastercard\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u822c\u7684\u5f37\u5927\u7af6\u722d\u529b\u548c\u58df\u65b7\u6027\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E4%BD%86%E6%96%B0%E7%9A%84%E7%AB%B6%E7%88%AD%E8%80%85%E5%B7%B2%E7%B6%93%E5%87%BA%E7%8F%BE\"><\/span><strong>\u4f46\u65b0\u7684\u7af6\u722d\u8005\u5df2\u7d93\u51fa\u73fe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u73fe\u5728\u7684\u78ba\u5df2\u7d93\u958b\u59cb\u6709\u4e00\u4e9b\u65b0\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u51fa\u73fe\uff0c\u4f8b\u5982Upstart\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aUPST\uff09\uff0c Lemonade&nbsp;\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aLMND\uff09\uff0c\u4e0d\u518d\u63a1\u7528\u50b3\u7d71\u4e09\u5927\u4fe1\u8a55\u6216\u8cbb\u57c3\u54f2\u7684\u8a55\u6bd4\uff0c\u6539\u7528\u7528\u81ea\u5df1\u5beb\u7684\u4eba\u5de5\u667a\u6167\u6f14\u7b97\u6cd5\u4f86\u5224\u65b7\uff0c\u9019\u7a2e\u8da8\u52e2\u624d\u525b\u958b\u59cb\uff0c\u5c1a\u672a\u5f62\u6210\u81f4\u547d\u7684\u5a01\u8105\u3002\u53ef\u898b\u7684\u5c07\u4f86\u5c1a\u770b\u4e0d\u5230\u6703\u6436\u8d70\u8cbb\u57c3\u54f2\u73fe\u6709\u5ba2\u6236\u7684\u5730\u6b65\u3002\u4f46\u662f\u7531\u6b64\u4e5f\u53ef\u4ee5\u770b\u5230\u7db2\u969b\u7db2\u8def\u548c\u79d1\u6280\u5de8\u64d8\u624b\u4e0a\u6240\u638c\u63e1\u7684\u4f60\u6211\u7684\u9690\u79c1\u3001\u884c\u8e64\u3001\u65e5\u5e38\u8cc7\u6599\u6709\u591a\u6c3e\u6feb\u4e86\uff0c\u800c\u4e14\u6108\u4f86\u6108\u56b4\u91cd\uff1b\u9019\u500b\u73fe\u8c61\u6771\u897f\u7686\u7136\u3002\u6211\u500b\u4eba\u7684\u770b\u6cd5\u662f\uff0c\u9019\u4e9b\u79d1\u6280\u5de8\u64d8\u548c\u91d1\u878d\u79d1\u6280\u696d\u8005\uff0c\u9072\u65e9\u6703\u505a\u51fa\u6bd4\u8cbb\u57c3\u54f2\u9084\u66f4\u6709\u7af6\u722d\u529b\u7684\u7522\u54c1\uff0c\u5176\u5be6\u9019\u5834\u7af6\u8cfd\u65e9\u5df2\u7d93\u958b\u59cb\u4e86<strong>\u2500\u2500<\/strong>\u2500\u2500\u6bd4\u5982\u5728\u4e2d\u570b\u5927\u9678\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"216\" height=\"111\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/f-1600x1200-1.jpg\" alt=\"\u8cbb\u57c3\u54f2\" class=\"wp-image-25028\"\/><figcaption class=\"wp-element-caption\">credit:wikimedia<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><span class=\"ez-toc-section\" id=\"%E4%B8%AD%E5%9C%8B%E7%9A%84%E7%94%A2%E6%A5%AD%E7%8B%80%E6%B3%81\"><\/span><strong>\u4e2d\u570b\u7684\u7522\u696d\u72c0\u6cc1<\/strong><span 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class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\"><\/span>\u76f8\u95dc\u6587\u7ae0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/08\/29\/%e6%b6%88%e8%b2%bb%e9%87%91%e8%9e%8d%e7%95%8c%e6%9c%80%e9%87%8d%e8%a6%81%e7%9a%84%e4%bc%81%e6%a5%ad%e8%b2%bb%e5%9f%83%e5%93%b2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u6d88\u8cbb\u91d1\u878d\u754c\u6700\u91cd\u8981\u7684\u4e0a\u5e02\u4f01\u696d\u4e4b\u4e00\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/08\/11\/%e6%83%a0%e8%ad%bd%e4%b8%8b%e8%aa%bf%e7%be%8e%e5%9c%8b%e4%bf%a1%e7%94%a8%e8%a9%95%e7%b4%9a%e7%9a%84%e7%90%86%e7%94%b1%e5%92%8c%e5%bd%b1%e9%9f%bf\/\">\u60e0\u8b7d\u4e0b\u8abf\u7f8e\u570b\u4fe1\u7528\u8a55\u7d1a\u7684\u7406\u7531\u548c\u5f71\u97ff<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/12\/%e4%b8%ad%e5%9c%8b%e4%ba%ba%e5%b7%a5%e6%99%ba%e6%85%a7%e7%9a%84%e9%80%b2%e5%b1%95%e5%92%8c%e9%a0%82%e5%b0%96%e7%9a%84%e4%bc%81%e6%a5%ad\/\">\u4e2d\u570b\u4eba\u5de5\u667a\u6167\u7684\u9032\u5c55\u548c\u9802\u5c16\u7684\u4f01\u696d<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/08\/%e6%b7%b1%e5%ba%a6%e6%b1%82%e7%b4%a2deepseek%e5%b0%8d%e5%85%a8%e7%90%83%e7%9a%84%e5%bd%b1%e9%9f%bf\/\">\u6df1\u5ea6\u6c42\u7d22\uff08DeepSeek\uff09\u5c0d\u5168\u7403AI\u548c\u80a1\u5e02\u6240\u9020\u6210\u7684\u885d\u64ca<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/02\/02\/%e4%ba%ba%e5%b7%a5%e6%99%ba%e6%85%a7%e4%bb%a3%e7%90%86ai-agent%e6%98%af%e8%bb%9f%e9%ab%94%e7%94%a2%e6%a5%ad%e7%9a%84%e4%b8%8b%e4%b8%80%e6%b3%a2%e8%b6%a8%e5%8b%a2\/\">\u4eba\u5de5\u667a\u6167\u4ee3\u7406\uff08AI Agent\uff09\u6703\u662f\u8edf\u9ad4\u7522\u696d\u7684\u4e0b\u4e00\u6ce2\u8da8\u52e2<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/05\/09\/%e6%b6%88%e8%b2%bb%e8%80%85%e4%bf%a1%e8%a9%95equifax%e5%8d%9a%e7%9d%bfexperian%e5%92%8c%e7%92%b0%e8%81%af\/\">\u4e09\u5927\u6d88\u8cbb\u8005\u4fe1\u8a55\u516c\u53f8Equifax\u3001\u535a\u777f\uff08Experian\uff09\u3001\u548c\u74b0\u806f\uff08TransUnion\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/01\/27\/%e6%a5%ad%e5%8b%99%e5%a5%87%e7%89%b9%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e5%95%86dave%e5%a6%82%e4%bd%95%e8%b3%ba%e9%8c%a2\/\">\u696d\u52d9\u5947\u7279\u7684\u91d1\u878d\u79d1\u6280\u5546Dave\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/03\/24\/%E6%96%B0%E7%94%9F%E4%BB%A3%E7%9A%84%E4%BA%BA%E5%B7%A5%E6%99%BA%E6%85%A7%E7%B7%9A%E4%B8%8A%E6%94%BE%E8%B2%B8%E5%B9%B3%E5%8F%B0upstart\/\">\u65b0\u751f\u4ee3\u7684\u4eba\u5de5\u667a\u6167\u7dda\u4e0a\u653e\u8cb8\u5e73\u53f0Upstart<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/stocks\/us-stocks\/square%e4%bd%b5%e8%b3%bcafterpay%e7%9a%84%e9%87%8d%e8%a6%81%e6%80%a7\/\">\u300a Block\u70ba\u4f55\u9245\u8cc7\u4f75\u8cfcAfterpay\uff1f\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/03\/04\/%e5%b8%95%e8%98%ad%e6%b3%b0%e7%88%be%e7%9a%84%e5%83%b9%e5%80%bc%e7%a9%b6%e7%ab%9f%e5%9c%a8%e5%93%aa%e8%a3%a1%e6%8a%95%e8%b3%87%e5%b8%95%e8%98%ad%e6%b3%b0%e7%88%be%e7%9a%84%e5%88%a9%e5%bc%8a\/\">\u5e15\u862d\u6cf0\u723e\uff08Palantir\uff09\u7684\u50f9\u503c\u7a76\u7adf\u5728\u54ea\u88e1\uff1f\u6295\u8cc7\u5e15\u862d\u6cf0\u723e\u7684\u5229\u5f0a\uff1f<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/stocks\/us-stocks\/palantir%e6%98%af%e4%b8%80%e5%ae%b6%e4%bb%80%e9%ba%bc%e6%a8%a3%e7%9a%84%e4%bc%81%e6%a5%ad%ef%bc%9f\/\">\u300aPalantir\uff08\u5e15\u862d\u6cf0\u723e\uff09\u662f\u4e00\u5bb6\u4ec0\u9ebc\u6a23\u7684\u4f01\u696d\uff1f\u300b<\/a><\/li>\n<\/ul>\n\n\n\n<p><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><\/p>\n\n\n\n<ul 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