{"id":15,"date":"2021-04-30T01:04:00","date_gmt":"2021-04-29T17:04:00","guid":{"rendered":"http:\/\/www.granitefirm.com\/blog\/?p=15"},"modified":"2025-10-09T10:49:11","modified_gmt":"2025-10-09T02:49:11","slug":"%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/","title":{"rendered":"\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\uff08Citigroup\uff09\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E9%8A%80%E8%A1%8C%E5%A5%BD%E6%97%A5%E5%AD%90%E5%B7%B2%E7%B5%90%E6%9D%9F\" >\u9280\u884c\u597d\u65e5\u5b50\u5df2\u7d50\u675f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E6%94%BE%E6%A3%84%E6%B6%88%E9%87%91%E9%83%A8%E9%96%80\" >\u653e\u68c4\u6d88\u91d1\u90e8\u9580<\/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\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E5%85%A8%E7%90%83%E9%8A%80%E8%A1%8C%E7%9A%84%E6%B6%88%E9%87%91%E9%83%A8%E9%96%80%E6%A5%AD%E5%8B%99%E9%83%BD%E8%B5%B0%E5%90%91%E5%9D%A1\" >\u5168\u7403\u9280\u884c\u7684\u6d88\u91d1\u90e8\u9580\u696d\u52d9\u90fd\u8d70\u5411\u5761<\/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\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E7%BD%AA%E9%AD%81%E7%A6%8D%E9%A6%96%E6%98%AF%E9%87%91%E8%9E%8D%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85\" >\u7f6a\u9b41\u798d\u9996\u662f\u91d1\u878d\u65b0\u5275\u696d\u8005<\/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\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E9%87%91%E8%9E%8D%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85%E5%92%8C%E8%8A%B1%E6%97%97%E7%9A%84%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE%E6%AF%94%E8%BC%83\" >\u91d1\u878d\u65b0\u5275\u696d\u8005\u548c\u82b1\u65d7\u7684\u80a1\u50f9\u8868\u73fe\u6bd4\u8f03<\/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\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E7%9B%B8%E9%97%9C%E6%96%87%E7%AB%A0\" >\u76f8\u95dc\u6587\u7ae0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%e4%bb%80%e9%ba%bc%e5%9b%a0%e7%b4%a0%e9%80%a0%e6%88%90%e8%8a%b1%e6%97%97%e6%94%be%e6%a3%8413%e5%9c%8b%e7%9a%84%e9%9b%b6%e5%94%ae%e9%8a%80%e8%a1%8c%e6%a5%ad%e5%8b%99\/#%E9%87%8D%E8%A6%81%E8%81%B2%E6%98%8E\" >\u91cd\u8981\u8072\u660e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%8A%80%E8%A1%8C%E5%A5%BD%E6%97%A5%E5%AD%90%E5%B7%B2%E7%B5%90%E6%9D%9F\"><\/span>\u9280\u884c\u597d\u65e5\u5b50\u5df2\u7d50\u675f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u9280\u884c\u5011\u9ad8\u9ad8\u5728\u4e0a\u7684\u5149\u69ae\u597d\u65e5\u5b50\u5df2\u7d93\u7d50\u675f\uff0c\u8d77\u78bc\u5728\u6d88\u8cbb\u91d1\u878d\u754c\u662f\u5982\u6b64\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%94%BE%E6%A3%84%E6%B6%88%E9%87%91%E9%83%A8%E9%96%80\"><\/span><strong>\u653e\u68c4\u6d88\u91d1\u90e8\u9580<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.wsj.com\/articles\/citigroup-to-sell-consumer-banking-franchises-in-four-southeast-asian-countries-11642125692\" data-type=\"URL\" data-id=\"https:\/\/www.wsj.com\/articles\/citigroup-to-sell-consumer-banking-franchises-in-four-southeast-asian-countries-11642125692\" target=\"_blank\" rel=\"noreferrer noopener\">\u7e3d\u516c\u53f8\u57284\/15\/2021\u5ba3\u4f48\u9000\u51fa\u5305\u62ec\u53f0\u7063\u5728\u5167\u7684\u4e9e\u6d32\u3001\u6b50\u6d32\u3001\u4e2d\u6771\u53ca\u5317\u975e\u7b4913\u570b\u5e02\u5834\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/a>\uff0c\u4f46\u7e7c\u7e8c\u63d0\u4f9b\u6a5f\u69cb\u5ba2\u6236\u670d\u52d9\uff1b\u5305\u62ec\u79c1\u4eba\u9280\u884c\u3001\u73fe\u91d1\u7ba1\u7406\u90e8\u9580\uff0c\u53ca\u6295\u8cc7\u9280\u884c\u548c\u4ea4\u6613\u90e8\u9580\u7b49\u3002\u57f7\u884c\u9577\u8299\u745e\u745f\u8868\u793a\u5c07\u628a\u696d\u52d9\u91cd\u5fc3\u6539\u70ba\u5f9e\u4f4d\u65bc\u65b0\u52a0\u5761\u3001\u9999\u6e2f\u3001\u963f\u62c9\u4f2f\u806f\u5408\u5927\u516c\u570b\u53ca\u502b\u6566\u7b49\u56db\u500b\u8ca1\u5bcc\u4e2d\u5fc3\u4f86\u7d93\u71df\u6d88\u8cbb\u8005\u9280\u884c\u7684\u696d\u52d9\uff0c\u4e5f\u5c31\u662f\u8f49\u5411\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u3002\u516c\u53f82020\u5e74\u71df\u6536\u70ba\u7f8e\u91d1743\u5104\u7f8e\u91d1\uff0c\u5e74\u6210\u9577\u73870%\uff1b\u5176\u4e2d\u6d88\u8cbb\u8005\u9280\u884c\u90e8\u9580300\u5104\uff0c\u5e74\u8ca0\u6210\u95779.1%\uff0c2019\u5e74\u6210\u95772.2%\uff0c\u6a5f\u69cb\u5ba2\u6236\u670d\u52d9\u90e8\u9580443\u5104\uff0c\u5e74\u6210\u957712.8%\uff0c2019\u5e74\u6210\u95772.9%\u3002\u53f0\u7063\u5206\u516c\u53f82020\u5168\u5e74\u7a05\u524d\u76c8\u6536\u8dcc\u7834\u65b0\u53f0\u5e63\u767e\u5104\u5143\uff0c\u50c597.6\u5104\u5143\uff0c\u8f032019\u5e74\u5927\u6e1b\u4e09\u6210\u4e09\uff0c\u5275\u8fd1\u4e94\u5e74\u4f86\u65b0\u4f4e\u3002<\/p>\n\n\n\n<p>2022\u5e7412\u6708\uff0c\u82b1\u65d7\u5ba3\u5e03\u9000\u51fa\u4e2d\u570b\u96f6\u552e\u9280\u884c\u696d\u52d9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%A8%E7%90%83%E9%8A%80%E8%A1%8C%E7%9A%84%E6%B6%88%E9%87%91%E9%83%A8%E9%96%80%E6%A5%AD%E5%8B%99%E9%83%BD%E8%B5%B0%E5%90%91%E5%9D%A1\"><\/span><strong>\u5168\u7403\u9280\u884c\u7684\u6d88\u91d1\u90e8\u9580\u696d\u52d9\u90fd\u8d70\u5411\u5761<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7531\u4ee5\u4e0a\u8ca1\u5831\u6578\u5b57\u5c31\u53ef\u4ee5\u66b8\u89e3\u70ba\u4ec0\u9ebc\u5b83\u70ba\u4ec0\u9ebc\u8981\u505a\u5982\u6b64\u7684\u6c7a\u5b9a\u4e86\u2500\u2500\u2500\u2500\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u696d\u52d9\u8d70\u4e0b\u5761\u3002\u800c\u4e8b\u5be6\u4e0a\uff0c\u50b3\u7d71\u9280\u884c\u7684\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u696d\u52d9\u9577\u671f\u4e0d\u632f\u4e26\u4e0d\u662f\u53ea\u6709\u9019\u5bb6\u9280\u884c\u6216\u7f8e\u570b\u7684\u5927\u578b\u9280\u884c\u7368\u6709\u7684\u554f\u984c\uff0c\u6b50\u6d32\u7684\u5927\u578b\u9280\u884c\u57284\uff0c5\u5e74\u524d\u66f4\u65e9\u7d93\u6b77\u4e86\u4e00\u6a23\u7684\u554f\u984c\uff0c\u7d1b\u7d1b\u88c1\u64a4\u3001\u51fa\u552e\uff0c\u6216\u7e2e\u6e1b\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u6216\u81e8\u6ac3\u5206\u884c\u3002\u53e6\u4e00\u500b\u66f4\u8cbc\u8fd1\u5c0f\u8001\u767e\u59d3\u751f\u6d3b\u7684\u73fe\u8c61\u662f\uff0c\u5168\u7403\u6240\u5b89\u88dd\u7684\u81ea\u52d5\u63d0\u6b3e\u6a5f\uff0c\u6700\u8fd1\u5e7e\u5e74\u958b\u59cb\u7531\u53f2\u4e0a\u7684\u9ad8\u5cf0\u5927\u5e45\u4e0b\u6ed1\u3002Retail Banking Research\u7684\u7d71\u8a08\u986f\u793a\uff0c2018\u5e74\u5e95\u5168\u7403ATM\u81fa\u6578\u7d04\u70ba324\u842c\u53f0\uff0c\u6bd4\u4e0a\u5e74\u5e95\u6e1b\u5c111\uff05\uff0c\u9996\u6b21\u8f49\u70ba\u6e1b\u5c11\u3002\u6700\u65b0\u7684\u4f8b\u5b50\u662f2021\u5e745\u6708\u532f\u8c50\u9000\u51fa\u7f8e\u570b\u6d88\u91d1\u5e02\u5834\uff0c\u64ec\u51fa\u552e\u591a\u5bb6\u5206\u884c\u3002\u53f0\u7063\u7684\u9280\u884c\u696d\u8fd1\u5e74\u4e5f\u4e00\u6539\u904e\u53bb\u722d\u76f8\u7533\u8acb\u65b0\u5206\u884c\u64f4\u5c55\u696d\u52d9\u7684\u4f5c\u6cd5\uff0c\u53cd\u800c\u7af6\u76f8\u958b\u59cb\u7e2e\u6e1b\u5206\u884c\u548c\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u3002\u53ef\u662f\u904e\u53bb\u5341\u5e74\u5168\u7403\u80a1\u5e02\u662f\u5c11\u898b\u7684\u5927\u725b\u5e02\u3001\u7d93\u6fdf\u90fd\u6210\u9577\u3001\u5404\u884c\u696d\u90fd\u4fdd\u7e8c\u66a2\u65fa\u3001\u6d88\u8cbb\u8005\u4e5f\u62fc\u547d\u5728\u501f\u9322\u548c\u82b1\u9322\u5440\uff1b\u90a3\u5230\u5e95\u662f\u4f55\u7a2e\u56e0\u7d20\u9020\u6210\u5168\u7403\u7684\u9280\u884c\u696d\u7684\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u696d\u52d9\u9032\u5165\u5bd2\u51ac\u5462\uff1f\u7b54\u6848\u5c31\u662f\u904e\u53bb\u5341\u5e74\uff0c\u5168\u7403\u7684\u6d88\u8cbb\u91d1\u878d\u90e8\u9580\u7684\u696d\u52d9\u5e7e\u4e4e\u90fd\u88ab\u5404\u570b\u7684\u91d1\u878d\u65b0\u5275\uff08FinTech\uff09\u696d\u8005\u7d66\u6436\u5149\u4e86\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"182\" height=\"85\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/ci-1600x1200-1.jpg\" alt=\"\u82b1\u65d7\" class=\"wp-image-25602\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%BD%AA%E9%AD%81%E7%A6%8D%E9%A6%96%E6%98%AF%E9%87%91%E8%9E%8D%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85\"><\/span><strong>\u7f6a\u9b41\u798d\u9996\u662f\u91d1\u878d\u65b0\u5275\u696d\u8005 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u91d1\u878d\u65b0\u5275\u696d\u8005\u64c1\u6709\u50b3\u7d71\u9280\u884c\u7121\u6cd5\u63d0\u4f9b\u7684\u65b9\u4fbf\u3001\u5feb\u901f\u3001\u6548\u7387\u3001\u5f48\u6027\uff0c\u548c\u8cbb\u7387\u7b49\u5404\u65b9\u9762\u7684\u512a\u52e2\uff0c\u9019\u4e9b\u5c0d\u6d88\u8cbb\u8005\u800c\u8a00\u90fd\u662f\u81f4\u547d\u7684\u5438\u5f15\u529b\uff0c\u50b3\u7d71\u9280\u884c\u696d\u8005\u548c\u91d1\u878d\u65b0\u5275\u696d\u8005\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u6839\u672c\u5c31\u662f\u4e0a\u4e16\u7d00\u7684\u6050\u9f8d\uff0c\u5b8c\u5168\u6c92\u6709\u7af6\u722d\u7684\u512a\u52e2\uff0c\u6beb\u7121\u53cd\u64ca\u6216\u6297\u8861\u7684\u80fd\u529b\u3002\u5927\u5bb6\u53ea\u8981\u770b\u770b\u904e\u53bb\u9019\u6bb5\u671f\u9593\uff0c\u4e2d\u570b\u5927\u9678\u7684\u879e\u87fb\u96c6\u5718\u3001\u6b50\u6d32\u7684N26\u3001Revolut\u3001Monzo\u7b49\u6311\u6230\u8005\u9280\u884c\uff0c\u548c\u7f8e\u570b\u7684\u8c9d\u5bf6\uff08PayPal\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u548c<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/12\/%e6%82%a8%e6%87%89%e8%a9%b2%e8%aa%8d%e8%ad%98square%e9%80%99%e5%ae%b6%e4%bc%81%e6%a5%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\">Block\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aXYZ\uff09\u7684\u696d\u52d9<\/a>\u53cd\u800c\u6b23\u6b23\u5411\u69ae\u5730\u9ad8\u901f\u6210\u9577\uff0c\u800c\u4e14\u5e02\u503c\u4e00\u518d\u5275\u65b0\u9ad8\uff1b\u53cd\u4e4b\uff0c\u5b83\u7684\u80a1\u50f9\u5728\u904e\u53bb\u4e94\u5e74\uff0c\u80a1\u50f9\u5e7e\u4e4e\u662f\u539f\u5730\u8e0f\u6b65\uff08\u5982\u4e0b\u5716\uff09\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%87%91%E8%9E%8D%E6%96%B0%E5%89%B5%E6%A5%AD%E8%80%85%E5%92%8C%E8%8A%B1%E6%97%97%E7%9A%84%E8%82%A1%E5%83%B9%E8%A1%A8%E7%8F%BE%E6%AF%94%E8%BC%83\"><\/span><strong>\u91d1\u878d\u65b0\u5275\u696d\u8005\u548c\u82b1\u65d7\u7684\u80a1\u50f9\u8868\u73fe\u6bd4\u8f03<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0b\u5716\u4e2d\u7684\u4e09\u689d\u66f2\u7dda\uff0c\u7531\u4e0a\u800c\u4e0b\u5206\u5225\u70baSQ\uff08\u7d2b\u8272\uff09\u3001PYPL\uff08\u6a58\u8272\uff09\u3001C\uff08\u7da0\u8272\uff09\uff0c\u5f9e2016\u5e74\u52302020\u5e74\u7684\u80a1\u50f9\u7dda\u5716\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"666\" height=\"354\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/05\/sqpyplc-1600x1200-1.png\" alt=\"\" class=\"wp-image-53\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/05\/sqpyplc-1600x1200-1.png 666w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/05\/sqpyplc-1600x1200-1-300x159.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\"><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\/2025\/08\/14\/%e3%80%8a%e5%a4%a7%e5%88%b0%e4%b8%8d%e8%83%bd%e5%80%92%e3%80%8b\/\">\u300a\u5927\u5230\u4e0d\u80fd\u5012\uff08Too Big To Fall\uff09\u300b-2008\u5e74\u91d1\u878d\u98a8\u66b4\u6700\u4f73\u5165\u9580<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/06\/%e7%be%8e%e5%9c%8b%e6%94%bf%e5%ba%9c%e5%85%a5%e8%82%a1%e7%9a%84%e4%bc%81%e6%a5%ad%e8%82%a1%e5%83%b9%e8%a1%a8%e7%8f%be%e5%a6%82%e4%bd%95%ef%bc%9f\/\">\u7f8e\u570b\u653f\u5e9c\u5165\u80a1\u7684\u4f01\u696d\uff0c\u80a1\u50f9\u8868\u73fe\u5982\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/09\/28\/%e3%80%8a%e5%a4%a7%e8%b3%a3%e7%a9%ba%ef%bc%88the-big-short%ef%bc%89%e3%80%8b\/\">\u5927\u8ce3\u7a7a\uff08The Big Short\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/08\/20\/%e6%88%bf%e5%88%a9%e7%be%8e%e5%92%8c%e6%88%bf%e5%9c%b0%e7%be%8e%e6%b1%ba%e5%ae%9a%e9%87%8d%e6%96%b0%e4%b8%8a%e5%b8%82\/\">\u623f\u5229\u7f8e\u548c\u623f\u5730\u7f8e\uff08Fannie Mae\uff0cFreddie Mac\uff09\u5f88\u53ef\u80fd\u6703\u91cd\u65b0\u4e0a\u5e02<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/06\/02\/%E7%9F%BD%E2%BE%95%E9%8A%80%E2%BE%8F%E6%98%AF%E5%A6%82%E4%BD%95%E7%A0%B4%E7%94%A2%E7%9A%84%EF%BC%9F%E5%BD%B1%E9%9F%BF%E7%82%BA%E4%BD%95%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u77fd\u2f95\u9280\u2f8f\u662f\u5982\u4f55\u7834\u7522\u7684\uff1f\u5f71\u97ff\u70ba\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/06\/22\/%e3%80%8a%e9%bb%91%e9%87%91%e9%a2%a8%e6%9a%b4inside-job%e3%80%8b\/\">\u300a\u9ed1\u91d1\u98a8\u66b4(Inside Job)\u300b<\/a><\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/10\/08\/%e6%8a%95%e8%b3%87%e9%8a%80%e8%a1%8c%e4%b9%8b%e7%8e%8b%e6%91%a9%e6%a0%b9%e5%a3%ab%e4%b8%b9%e5%88%a9\/\">\u6295\u8cc7\u9280\u884c\u4e4b\u738b\u6469\u6839\u58eb\u4e39\u5229\uff08Morgan Stanley\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/12\/%E5%85%A8%E7%90%83%E6%9C%80%E5%A4%A7%E9%8A%80%E8%A1%8C%E6%91%A9%E6%A0%B9%E5%A4%A7%E9%80%9A\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u7403\u6700\u5927\u9280\u884c\u6469\u6839\u5927\u901a\uff08JPMorgan Chase\uff09\u662f\u5982\u4f55\u8cfa\u9322\u7684\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/07\/18\/%E5%A4%A7%E5%88%B0%E4%B8%8D%E8%83%BD%E5%80%92%E7%9A%84%E7%BE%8E%E5%9C%8B%E9%8A%80%E8%A1%8C\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5927\u5230\u4e0d\u80fd\u5012\u7684\u7f8e\u570b\u9280\u884c\uff08Bank of America\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/07\/27\/%E7%9B%B8%E4%BF%A1%E6%88%90%E5%8A%9F%E6%8A%95%E8%B3%87%E4%BA%BA%E6%98%AF%E5%80%96%E5%AD%98%E8%80%85%E5%81%8F%E8%AA%A4%E7%9A%84%E4%BA%BA%E4%B8%8D%E5%8F%AF%E8%83%BD%E6%88%90%E5%8A%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/06\/17\/%E6%9B%BE%E7%B6%93%E5%B7%B4%E8%8F%B2%E7%89%B9%E5%92%8C%E8%92%99%E6%A0%BC%E9%83%BD%E8%AE%9A%E8%AD%BD%E6%9C%89%E4%BD%B3%E7%9A%84%E9%87%8D%E8%A6%81%E6%8C%81%E8%82%A1%E5%AF%8C%E5%9C%8B%E9%8A%80%E8%A1%8C\/\">\u5bcc\u570b\u9280\u884c\u5982\u4f55\u8cfa\u9322\uff1f\u66fe\u7d93\u5df4\u83f2\u7279\u548c\u8499\u683c\u90fd\u8b9a\u8b7d\u6709\u52a0\u7684\u91cd\u8981\u6301\u80a1<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/04\/30\/%E4%BB%80%E9%BA%BC%E5%9B%A0%E7%B4%A0%E9%80%A0%E6%88%90%E8%8A%B1%E6%97%97%E6%94%BE%E6%A3%8413%E5%9C%8B%E7%9A%84%E9%9B%B6%E5%94%AE%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99\/\">\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\uff08Citigroup\uff09\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/09\/%E8%8A%B1%E6%97%97%E9%9B%86%E5%9C%98\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8d70\u4e0b\u5761\u4f01\u696d\u7684\u4ee3\u8868\u82b1\u65d7\u96c6\u5718\uff08Citigroup\uff09<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%87%8D%E8%A6%81%E8%81%B2%E6%98%8E\"><\/span><em><strong>\u91cd\u8981\u8072\u660e<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>\u672c\u7ad9\u5167\u5bb9\u70ba\u4f5c\u8005\u500b\u4eba\u610f\u898b\uff0c\u50c5\u4f9b\u53c3\u8003\uff0c\u672c\u4eba\u4e0d\u5c0d\u6587\u7ae0\u5167\u5bb9\u3001\u8cc7\u6599\u4e4b\u6b63\u78ba\u6027\u3001\u770b\u6cd5\u3001\u8207\u5373\u6642\u6027\u8ca0\u4efb\u4f55\u8cac\u4efb\uff0c\u8b80\u8005\u8acb\u52d9\u5fc5\u81ea\u884c\u5224\u65b7\u3002<\/em><\/li>\n\n\n\n<li><em>\u5c0d\u65bc\u8b80\u8005\u76f4\u63a5\u6216\u9593\u63a5\u4f9d\u8cf4\u4e26\u53c3\u8003\u672c\u7ad9\u8cc7\u8a0a\u5f8c\uff0c\u63a1\u53d6\u4efb\u4f55\u6295\u8cc7\u884c\u70ba\u6240\u5c0e\u81f4\u4e4b\u76f4\u63a5\u6216\u9593\u63a5\u640d\u5931\uff0c\u6216\u56e0\u6b64\u7522\u751f\u4e4b\u4e00\u5207\u8cac\u4efb\uff0c\u672c\u4eba\u5747\u4e0d\u8ca0\u4efb\u4f55\u640d\u5bb3\u8ce0\u511f\u53ca\u5176\u4ed6\u6cd5\u5f8b\u4e0a\u4e4b\u8cac\u4efb\u3002<\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u4ec0\u9ebc\u56e0\u7d20\u9020\u6210\u82b1\u65d7\uff08Citigroup\uff09\u653e\u68c413\u570b\u7684\u96f6\u552e\u9280\u884c\u696d\u52d9<\/p>\n","protected":false},"author":1,"featured_media":25602,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[330,331,300,175,3],"tags":[114,47,45,115,46,1584],"class_list":["post-15","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-finance","category-commercial-finance","category-payment","category-startups","category-us-stocks","tag-c","tag-monzo","tag-n26","tag-pypl","tag-revolut","tag-xyz"],"_links":{"self":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/15","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":6,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/15\/revisions"}],"predecessor-version":[{"id":73963,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/posts\/15\/revisions\/73963"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media\/25602"}],"wp:attachment":[{"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/media?parent=15"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/categories?post=15"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/wp-json\/wp\/v2\/tags?post=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}