{"id":29874,"date":"2023-03-24T23:56:00","date_gmt":"2023-03-24T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=29874"},"modified":"2025-02-27T10:23:05","modified_gmt":"2025-02-27T02:23:05","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u65b0\u751f\u4ee3\u7684\u4eba\u5de5\u667a\u6167\u7dda\u4e0a\u653e\u8cb8\u5e73\u53f0Upstart"},"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 .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\/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\/#%E6%88%91%E7%9A%84%E6%9B%B8%E4%B8%AD%E6%9C%89%E9%97%9CUpstart%E7%9A%84%E5%85%A7%E5%AE%B9\" >\u6211\u7684\u66f8\u4e2d\u6709\u95dcUpstart\u7684\u5167\u5bb9<\/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\/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\/#Upstart%E7%9A%84%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F\" >Upstart\u7684\u5546\u696d\u6a21\u5f0f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" 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\/#%E9%A1%9B%E8%A6%86%E5%80%9F%E8%B2%B8%E8%A1%8C%E6%A5%AD\" >\u985b\u8986\u501f\u8cb8\u884c\u696d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" 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\/#%E5%AE%83%E7%9A%84%E6%BD%9B%E5%9C%A8%E5%B8%82%E5%A0%B4%E6%9C%89%E5%A4%9A%E5%A4%A7%EF%BC%9F\" >\u5b83\u7684\u6f5b\u5728\u5e02\u5834\u6709\u591a\u5927\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" 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\/#%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F%E6%9C%89%E5%88%A9%E4%B9%8B%E8%99%95\" >\u5546\u696d\u6a21\u5f0f\u6709\u5229\u4e4b\u8655<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" 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\/#%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F%E4%B8%8D%E5%88%A9%E4%B9%8B%E8%99%95\" >\u5546\u696d\u6a21\u5f0f\u4e0d\u5229\u4e4b\u8655<\/a><\/li><\/ul><\/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\/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\/#Upstart%E7%9A%84%E5%90%8C%E6%A5%AD\" >Upstart\u7684\u540c\u696d<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" 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\/#Upstart%E7%9A%84%E5%B0%8D%E6%89%8B\" >Upstart\u7684\u5c0d\u624b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" 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\/#%E6%A0%B8%E5%BF%83%E7%AB%B6%E7%88%AD%E5%84%AA%E5%8B%A2\" >\u6838\u5fc3\u7af6\u722d\u512a\u52e2<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" 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\/#%E6%A5%AD%E5%8B%99%E8%A1%A8%E7%8F%BE\" >\u696d\u52d9\u8868\u73fe&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" 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\/#2021%E5%B9%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\" >2021\u5e74\u7684\u8868\u73fe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" 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\/#2022%E5%B9%B4%E7%AC%AC%E4%B8%89%E5%AD%A3\" >2022\u5e74\u7b2c\u4e09\u5b63<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" 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\/#%E8%82%A1%E5%83%B9%E7%9A%84%E8%A1%A8%E7%8F%BE\" >\u80a1\u50f9\u7684\u8868\u73fe<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" 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\/#IPO%E5%BE%8C10%E5%80%8B%E6%9C%88%E5%85%A7%E5%B0%B1%E6%88%90%E7%82%BA%E5%8D%81%E5%80%8D%E8%82%A1\" >IPO\u5f8c10\u500b\u6708\u5167\u5c31\u6210\u70ba\u5341\u500d\u80a1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" 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\/#%E5%88%B0%E5%BA%95%E7%82%BA%E4%BD%95%E8%82%A1%E5%83%B9%E6%9C%83%E5%B4%A9%E7%9B%A4%EF%BC%9F\" >\u5230\u5e95\u70ba\u4f55\u80a1\u50f9\u6703\u5d29\u76e4\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" 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\/#%E5%92%8C%E5%85%B6%E5%AE%83%E7%8D%A8%E8%A7%92%E7%8D%B8%E5%90%8C%E6%A5%AD%E7%9A%84%E8%82%A1%E5%83%B9%E6%AF%94%E8%BC%83\" >\u548c\u5176\u5b83\u7368\u89d2\u7378\u540c\u696d\u7684\u80a1\u50f9\u6bd4\u8f03<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" 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\/#%E8%BC%83%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%81%9A%E6%B3%95\" >\u8f03\u4fdd\u96aa\u7684\u505a\u6cd5&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" 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\/#%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\"><span class=\"ez-toc-section\" id=\"%E6%88%91%E7%9A%84%E6%9B%B8%E4%B8%AD%E6%9C%89%E9%97%9CUpstart%E7%9A%84%E5%85%A7%E5%AE%B9\"><\/span>\u6211\u7684\u66f8\u4e2d\u6709\u95dcUpstart\u7684\u5167\u5bb9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u5728\u6700\u8fd1\u51fa\u7248\u7684\u300a<a href=\"https:\/\/www.books.com.tw\/products\/0010935641?sloc=main\" target=\"_blank\" rel=\"noreferrer noopener\">10\u500d\u80a1\u6cd5\u5247<\/a>\u300b\u4e00\u66f8\u88e1\uff0c\u8a0e\u8ad6\u904eUpstart\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aUPST\uff09\u9019\u5bb6\u516c\u53f8\uff1b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6-8\u7bc0\uff0c\u7b2c339\u9801\uff0c\u95dc\u65bc\u500b\u80a1\u88ab\u653e\u7a7a\u6bd4\u7684\u8a0e\u8ad6<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Upstart%E7%9A%84%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F\"><\/span>Upstart\u7684\u5546\u696d\u6a21\u5f0f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%A1%9B%E8%A6%86%E5%80%9F%E8%B2%B8%E8%A1%8C%E6%A5%AD\"><\/span>\u985b\u8986\u501f\u8cb8\u884c\u696d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6beb\u7121\u7591\u554f\u5730\uff0cUpstart\u7684\u5546\u696d\u6a21\u5f0f\u6709\u53ef\u80fd\u6703\u985b\u8986\u501f\u8cb8\u884c\u696d\u3002\u516c\u53f8\u70ba83\u500b\u4e0d\u540c\u7684\u5408\u4f5c\u5925\u4f34\uff08\u9280\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\uff09\u63d0\u4f9b\u4e00\u500b\u4eba\u5de5\u667a\u6167\u7dda\u4e0a\u7684\u653e\u8cb8\u5e73\u53f0\uff0cUpstart\u7684\u5e73\u53f0\u5728\u505a\u51fa\u8cb8\u6b3e\u6c7a\u5b9a\u4e4b\u524d\u6703\u5206\u6790\u6709\u95dc\u6f5b\u5728\u8cb8\u6b3e\u4eba\u6240\u64c1\u6709\u7684\u6578\u5343\u500b\u9762\u5411\u548c\u8cc7\u6599\u3002\u8207\u8a31\u591a\u4eba\u8a8d\u70ba\u4ee5\u5b83\u548c\u50b3\u7d71\u7684\u8cbb\u57c3\u54f2\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aFICO\uff09\u6240\u63a1\u7528\u7684\u6a21\u578b\u76f8\u6bd4\uff08\u95dc\u65bc\u8cbb\u57c3\u54f2\uff0c\u8acb\u53c3\u898b\u6211\u4e4b\u524d\u7684\u6587\u7ae0\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\uff09\uff0cUpstart\u7684\u5e73\u53f0\u5df2\u7d93\u88ab\u8b49\u660e\u53ef\u4ee5\u63d0\u9ad8\u6279\u51c6\u7387\uff0c\u540c\u6642\u964d\u4f4e\u9055\u7d04\u7387\u3002\u9019\u5c0d\u516c\u53f8\u4f86\u8aaa\u662f\uff0c\u7684\u78ba\u662f\u4e00\u500b\u6709\u5229\u53ef\u5716\u7684\u8ca1\u52d9\u7d44\u5408\u548c\u71df\u5229\u65b9\u5f0f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AE%83%E7%9A%84%E6%BD%9B%E5%9C%A8%E5%B8%82%E5%A0%B4%E6%9C%89%E5%A4%9A%E5%A4%A7%EF%BC%9F\"><\/span>\u5b83\u7684\u6f5b\u5728\u5e02\u5834\u6709\u591a\u5927\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7121\u64d4\u4fdd\u500b\u4eba\u8cb8\u6b3e\uff0c\u4f30\u8a08\u662f\u4e00\u500b\u50f9\u503c1460\u5104\u7f8e\u5143\u7684\u5e02\u5834\u3002\u800c\u4e14\u8a72\u5e73\u53f0\u525b\u525b\u958b\u59cb\u89f8\u53ca\u6c7d\u8eca\u8cb8\u6b3e\u5e02\u5834\u7684\u76ae\u6bdb\uff0c\u9019\u662f\u4e00\u500b\u50f9\u503c7860\u5104\u7f8e\u5143\u7684\u5e02\u5834\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F%E6%9C%89%E5%88%A9%E4%B9%8B%E8%99%95\"><\/span>\u5546\u696d\u6a21\u5f0f\u6709\u5229\u4e4b\u8655<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Upstart\u4e0d\u7528\u627f\u64d4\u6240\u6709\u501f\u6b3e\u4eba\u7684\u4fe1\u7528\u9055\u7d04\u7684\u98a8\u96aa\uff0c\u56e0\u70ba\u8207\u5b83\u5408\u4f5c\u7684\u9280\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u63d0\u4f9b\u4e86\u5927\u90e8\u5206\u8cc7\u91d1\u3002\u5927\u90e8\u5206\u7531Upstart\u63d0\u4f9b\u652f\u6301\u7684\u8cb8\u6b3e\uff082022\u5e74\u524d\u4e5d\u500b\u6708\u70ba65%\uff09\u51fa\u552e\u7d66\u4e86\u7b2c\u4e09\u65b9\u6a5f\u69cb\u6295\u8cc7\u8005\uff1b\u900f\u904e\u9019\u6a23\u7684\u65b9\u5f0f\uff0cUpstart\u5c07\u4fe1\u7528\u9055\u7d04\u7684\u98a8\u96aa\u5f9e\u81ea\u5df1\u8f49\u79fb\u5230\u5176\u4ed6\u4eba\u8eab\u4e0a\u3002<\/p>\n\n\n\n<p>\u5728\u8a72\u516c\u53f8\u6b77\u53f2\u4e0a\u8655\u7406\u904e\u7684300\u5104\u7f8e\u5143\u8cb8\u6b3e\u4e2d\uff0c\u5982\u4eca\u5b83\u7684\u8cc7\u7522\u8ca0\u50b5\u8868\u4e0a\u53ea\u6709\u5927\u7d047\u5104\u7f8e\u5143\u3002\u9019\u4f7f\u5f97 Upstart \u6210\u70ba\u4e00\u5bb6\u8f15\u8cc7\u672c\u4f01\u696d\uff0c\u5f9e\u6295\u8cc7\u7684\u89d2\u5ea6\u4f86\u770b\u5177\u6709\u5438\u5f15\u529b\u3002\u96e3\u602a\u8a72\u80a1\u5728\u4e0a\u5e02\u7b2c\u4e00\u5e74\u7684\u5927\u90e8\u5206\u6642\u9593\u88e1\u90fd\u5728\u98c6\u5347\uff1a\u4e00\u500b\u975e\u5e38\u53ef\u64f4\u5c55\u7684\u6a21\u578b\uff0c\u52a0\u4e0a\u5f37\u52c1\u7684\u5b8f\u89c0\u7d93\u6fdf\u80cc\u666f\uff0c\u70ba\u5feb\u901f\u589e\u9577\u63d0\u4f9b\u4e86\u5805\u5be6\u7684\u57fa\u790e\u3002&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%95%86%E6%A5%AD%E6%A8%A1%E5%BC%8F%E4%B8%8D%E5%88%A9%E4%B9%8B%E8%99%95\"><\/span>\u5546\u696d\u6a21\u5f0f\u4e0d\u5229\u4e4b\u8655<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4f46\u8981\u63d0\u9192\u6295\u8cc7\u4eba\u7684\u662f\uff1b\u9019\u7a2e\u5546\u696d\u6a21\u5f0f\u4ecd\u7136\u9700\u8981\u5bec\u9b06\u7684\u8cc7\u672c\u5e02\u5834\u5927\u74b0\u5883\u3002\u9019\u9ede\u662f\u9019\u7a2e\u5546\u696d\u6a21\u5f0f\u5f88\u4e0d\u5229\u7684\u4e00\u9ede\u3002<\/p>\n\n\n\n<p>\u5118\u7ba1Upstart\u4e26\u672a\u5c07\u5927\u90e8\u5206\u8cb8\u6b3e\uff08\u548c\u4fe1\u7528\u98a8\u96aa\uff09\u8a18\u5728\u81ea\u5df1\u7684\u5e33\u4e0a\uff0c\u4f46\u8a72\u696d\u52d9\u5c0d\u5b8f\u89c0\u7d93\u6fdf\u74b0\u5883\u6975\u70ba\u654f\u611f\u3002\u96a8\u84572022\u5e74\u4e8b\u60c5\u7684\u767c\u5c55\uff0c\u96a8\u8457\u7f8e\u806f\u5132\u63d0\u9ad8\u5229\u7387\u4ee5\u6291\u5236\u7316\u7357\u7684\u901a\u8ca8\u81a8\u8139\uff0c\u8a72\u516c\u53f8\u7684\u8ca1\u52d9\u72c0\u6cc1\u548c\u71df\u6536\u696d\u52d9\u90fd\u53d7\u5230\u4e86\u6253\u64ca\u3002&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Upstart%E7%9A%84%E5%90%8C%E6%A5%AD\"><\/span><strong>Upstart<\/strong>\u7684\u540c\u696d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Upstart%E7%9A%84%E5%B0%8D%E6%89%8B\"><\/span><strong>Upstart<\/strong>\u7684\u5c0d\u624b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Upstart\u662f\u8cbb\u57c3\u54f2\u3001\u535a\u777f\uff08Experian\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aEXPGY\uff09\u3001Equifax\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aEFX\uff09\u3001\u548c\u74b0\u806f\uff08TransUnion\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aTRU\uff09\u7b49\u5fb5\u4fe1\u6a5f\u69cb\u7684\u66ff\u4ee3\u54c1\uff08\u95dc\u65bc\u8cbb\u57c3\u54f2\uff0c\u8acb\u53c3\u898b\u6211\u4e4b\u524d\u7684\u6587\u7ae0\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\u548c\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\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%A0%B8%E5%BF%83%E7%AB%B6%E7%88%AD%E5%84%AA%E5%8B%A2\"><\/span>\u6838\u5fc3\u7af6\u722d\u512a\u52e2<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7531\u65bc\u516c\u53f8\u4f7f\u7528\u4eba\u5de5\u667a\u6167\u4f86\u78ba\u5b9a\u500b\u4eba\u7684\u4fe1\u7528\u5ea6\uff0c\u9019\u662f\u4e00\u7a2e\u770b\u4f3c\u512a\u8d8a\u7684\u65b9\u6cd5\u3002Upstart\u8868\u793a\u5b83\u7684\u6f14\u7b97\u6cd5\u5c0e\u81f4\u7684\u9055\u7d04\u7387\u6bd4\u50b3\u7d71\u7684\u4fe1\u7528\u8a55\u5206\u65b9\u6cd5\u4f4e\u4e8653%\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u8a72\u516c\u53f8\u7684\u65b9\u6cd5\u5141\u8a31\u591a\u51fa173% \u7684\u8cb8\u6b3e\u6279\u51c6\uff0c\u800c\u4e0d\u6703\u589e\u52a0\u8cb8\u6b3e\u7d44\u5408\u9055\u7d04\u7684\u53ef\u80fd\u6027\u3002\u6839\u64da\u6700\u65b0\u7d71\u8a08\uff0c\u5b83\u70ba80\u591a\u5bb6\u9280\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u4ee5\u53ca700\u591a\u5bb6\u6c7d\u8eca\u7d93\u92b7\u5546\u63d0\u4f9b\u670d\u52d9\u3002<\/p>\n\n\n\n<p>\u7576\u7136\uff0c\u9019\u4e9b\u8cb8\u65b9\u53ea\u6709\u5728\u6d88\u8cbb\u8005\u6709\u8208\u8da3\u501f\u9322\u8cfc\u7269\u6642\u624d\u6703\u9032\u884c\u4fe1\u7528\u6aa2\u67e5\u3002\u4f46\u81ea2021\u5e74\u5e74\u5e95\u4ee5\u4f86\uff0c\u9019\u7a2e\u8208\u8da3\u5df2\u7d93\u653e\u7de9\uff0c\u4e26\u4e14\u81ea\u4eca\u5e74\u5e74\u4e2d\u4ee5\u4f86\u5df2\u7d93\u5b8c\u5168\u6536\u7e2e\u3002\u9019\u7a2e\u9006\u98a8\u662fUpstart\u80a1\u7968\u5f9e2021\u5e74\u5e95\u7684\u9ad8\u9ede\u56de\u843d96%\u7684\u95dc\u9375\u56e0\u7d20\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%A5%AD%E5%8B%99%E8%A1%A8%E7%8F%BE\"><\/span>\u696d\u52d9\u8868\u73fe&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2021%E5%B9%B4%E7%9A%84%E8%A1%A8%E7%8F%BE\"><\/span>2021\u5e74\u7684\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2021\u5e74\u5c0d\u516c\u53f8\u4f86\u8aaa\u662f\u975e\u5e38\u6709\u5229\u7684\u4e00\u5e74\uff0cUpstart\u8655\u7406\u4e86\u8d85\u904e130\u842c\u7b46\u8cb8\u6b3e\uff0c\u5275\u9020\u4e868.49\u5104\u7f8e\u5143\u7684\u71df\u6536\uff1b\u9019\u5169\u9805\u6578\u5b57\u5206\u5225\u6bd4\u4e0a\u4e00\u500b\u5e74\u5ea6\u6210\u9577\u4e86338% \u548c 264%\u3002<\/p>\n\n\n\n<p>\u5b83\u4e5f\u662f\u67d0\u7a2e\u8cb8\u6b3e\u4eba\uff0c\u5145\u7576\u4e2d\u9593\u4eba\u3002\u5b83\u7684\u8cc7\u7522\u8ca0\u50b5\u8868\u4e0a\u6709\u50f9\u503c7\u5104\u7f8e\u5143\u7684\u8cb8\u6b3e\u3002\u516c\u53f8\u9084\u5fc5\u9808\u6838\u7b97\u6de8\u5229\u606f\u6536\u5165\u4e26\u8abf\u6574\u5176\u8cb8\u6b3e\u7d44\u5408\u7684\u516c\u5141\u50f9\u503c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2022%E5%B9%B4%E7%AC%AC%E4%B8%89%E5%AD%A3\"><\/span>2022\u5e74\u7b2c\u4e09\u5b63<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2022\u5e74\u7b2c\u4e09\u5b63\u5ea6\uff0c\u71df\u6536\u540c\u6bd4\u4e0b\u964d31%\u81f31.57\u5104\u7f8e\u5143\u3002\u5229\u6f64\u5f9e2021\u5e74\u7b2c\u4e09\u5b63\u76842910\u842c\u7f8e\u5143\u5229\u6f64\u8f49\u70ba\u6700\u8fd1\u7d50\u675f\u76845620\u842c\u7f8e\u5143\u6de8\u8667\u640d\u3002\u8a72\u696d\u52d9\u5728\u4e09\u500b\u6708\u671f\u9593\u5e6b\u52a9\u767c\u653e\u4e86189,000 \u7b46\u8cb8\u6b3e\uff0c\u4f4e\u65bc\u4eca\u5e74\u7b2c\u4e8c\u5b63\u5ea6\u7684321,000\u7b46\uff0c\u7d04\u70ba\u53bb\u5e74\u540c\u671f363,000\u7b46\u7684\u4e00\u534a\u3002&nbsp;<\/p>\n\n\n\n<p>Upstart \u7b2c\u4e09\u5b63\u5ea6\u7684\u9055\u7d04\u7387\u6bd4\u9810\u671f\u7684\u591a\u4e8670%\u3002\u96a8\u8457\u5229\u7387\u4e0a\u5347\uff0c\u5f9e\u9019\u4e9b\u6a5f\u69cb\u6295\u8cc7\u8005\u90a3\u88e1\u7372\u5f97Upstart\u8cb8\u6b3e\u7684\u8cc7\u91d1\u5df2\u7d93\u88ab\u6536\u7dca\u3002&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E7%9A%84%E8%A1%A8%E7%8F%BE\"><\/span>\u80a1\u50f9\u7684\u8868\u73fe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IPO%E5%BE%8C10%E5%80%8B%E6%9C%88%E5%85%A7%E5%B0%B1%E6%88%90%E7%82%BA%E5%8D%81%E5%80%8D%E8%82%A1\"><\/span>IPO\u5f8c10\u500b\u6708\u5167\u5c31\u6210\u70ba\u5341\u500d\u80a1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u57282020\u5e7412\u6708\u9996\u6b21\u516c\u958b\u4e0a\u5e02\u52df\u80a1\u5f8c\uff0c\u80a1\u50f9\u5728\u63a5\u4e0b\u4f86\u768410\u500b\u6708\u5167\u98c6\u5347\u4e861,200%\u4ee5\u4e0a\uff0c\u4e26\u57282021\u5e7410\u6708\u9054\u5230\u4e86401.49\u7f8e\u5143\u7684\u5cf0\u503c\u3002\u4f46\u5f9e\u90a3\u4ee5\u5f8c\uff0c\u5b83\u7684\u80a1\u50f9\u4e00\u76f4\u8655\u65bc\u4e00\u518d\u7834\u5e95\u7684\u4e0b\u884c\u884c\u60c5\u4e0a\u3002<\/p>\n\n\n\n<p>\u5b83\u7531\u516c\u958b\u767c\u884c\u50f9\u6bcf\u80a120\u7f8e\u5143\u6f32\u81f32021\u5e7410\u6708\u7684\u5cf0\u503c401.49\u7f8e\u5143\u4ee4\u4eba\u6fc0\u52d5\uff0c\u4f46\u56de\u843d\u81f32022\u5e7412\u6708\u63a5\u8fd1\u6bcf\u80a117\u7f8e\u5143\u3002\u80a1\u50f9\u5728\u904e\u53bb14\u500b\u6708\u4e2d\u4e0b\u8dcc\u4e8696%\uff0c\u73fe\u5728\u516c\u53f8\u8b8a\u6210\u5e02\u503c\u50c5\u70ba13\u5104\u7f8e\u5143\u7684\u5c0f\u578b\u80a1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%88%B0%E5%BA%95%E7%82%BA%E4%BD%95%E8%82%A1%E5%83%B9%E6%9C%83%E5%B4%A9%E7%9B%A4%EF%BC%9F\"><\/span>\u5230\u5e95\u70ba\u4f55\u80a1\u50f9\u6703\u5d29\u76e4\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u56e0\u70ba\u7d93\u6fdf\u653e\u7de9\u548c\u5982\u524d\u6240\u8ff0\u7684\u52a3\u52e2\uff0c2022\u5e74\u516c\u53f8\u7684\u8868\u73fe\u75312021\u5e74\u7684\u76c8\u5229\u8b8a\u6210\u8667\u640d\uff0c\u71df\u6536\u6210\u9577\u4e5f\u5927\u5e45\u4e0b\u964d\u3002\u4eb3\u7121\u7591\u554f\u5730\uff0c\u9019\u7576\u7136\u662f2022\u5e74\u516c\u53f8\u7684\u80a1\u50f9\u5d29\u76e4\u7684\u9996\u8981\u539f\u56e0\u3002<\/p>\n\n\n\n<p>Upstart\u5c0d\u501f\u8cb8\u5e02\u5834\uff08\u5c24\u5176\u662f\u6c7d\u8eca\u8cb8\u6b3e\uff09\u7684\u6f6e\u8d77\u6f6e\u843d\u9ad8\u5ea6\u654f\u611f\u3002\u7136\u800c\u8a72\u80a1\u5f9e\u9996\u6b21\u516c\u958b\u4e0a\u5e02\u52df\u80a1\u5f8c\u7684\u770b\u6f32\u5230\u6975\u5ea6\u770b\u8dcc\u7684\u5927\u5e45\u6ce2\u52d5\u53ef\u80fd\u8207\u5176\u5be6\u969b\u7684\u4fe1\u7528\u8a55\u5206\u696d\u52d9\u95dc\u4fc2\u4e0d\u5927\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u4e00\u5bb6\u4ecd\u5728\u64f4\u5c55\u5b83\u7684\u696d\u52d9\u7684\u5e74\u8f15\u4e0a\u5e02\u516c\u53f8\u4f86\u8aaa\uff0c\u696d\u52d9\u7576\u7136\u9084\u672a\u7a33\u5b9a\u3002\u5118\u7ba1Upstart\u57282021\u5e74\u7d93\u6fdf\u7a69\u56fa\u7684\u5927\u90e8\u5206\u6642\u9593\u88e1\u90fd\u5728\u8a08\u5165\u5229\u606f\u6536\u5165\uff0c\u4f462022\u5e74\u537b\u6c92\u6709\u90a3\u9ebc\u8c50\u78a9\u3002\u4e8b\u5be6\u4e0a\uff0cUpsta\u8cb8\u6b3e\u9818\u57df\u57282022\u5e74\u7b2c\u4e09\u5b63\u5ea6\u4f7f\u516c\u53f8\uff08\u6de8\uff09\u640d\u5931\u4e862200\u842c\u7f8e\u5143\uff0c\u5c0e\u81f42022\u5e74\u524d\u4e09\u500b\u5b63\u5ea6\u7684\u6de8\u6536\u5165\u6e1b\u5c11\u4e865600\u842c\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%92%8C%E5%85%B6%E5%AE%83%E7%8D%A8%E8%A7%92%E7%8D%B8%E5%90%8C%E6%A5%AD%E7%9A%84%E8%82%A1%E5%83%B9%E6%AF%94%E8%BC%83\"><\/span>\u548c\u5176\u5b83\u7368\u89d2\u7378\u540c\u696d\u7684\u80a1\u50f9\u6bd4\u8f03<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Upstart\u57282022\u5e74\u5e74\u80a1\u50f9\u7684\u5d29\u8dcc\u4e26\u6c92\u6709\u4ec0\u9ebc\u7279\u5225\u4e0d\u5c0b\u5e38\u7684\u5730\u65b9\uff0c\u56e0\u70ba\u5728\u8fd1\u5169\u5e74\u4e0a\u5e02\u7684\u7368\u89d2\u7378\u4e2d\uff0c\u5b83\u4e26\u4e0d\u662f\u4e0b\u8dcc\u8d85\u904e90%\u7684\u552f\u4e00\u4e00\u5bb6\u3002\u4f8b\u5982\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\uff08BNPL\uff09\u7684Affirm\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAFRM\uff09\u5728\u904e\u53bb\u4e00\u5e74\u7684\u5d29\u8dcc\u7a0b\u5ea6\u548cUpstart\u4e5f\u76f8\u53bb\u7121\u5e7e\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\u503c\u5f97\u89c0\u5bdf\u7684\u662f\u9019\u4e9b\u4e0b\u8dcc\u8d85\u904e80%\u7684\u9019\u4e9b\u8457\u540d\uff0c\u800c\u4e14\u662f\u8fd1\u5169\u5e74\u4e0a\u5e02\u7684\u7368\u89d2\u7378\uff0c\u4ed6\u5011\u80a1\u50f9\u7684\u5d29\u8dcc\u671f\u9593\u4e3b\u8981\u662f\u767c\u751f\u57282022\u5e74\u7684\u4e0a\u534a\u5e74\u3002\u9019\u4e9b\u8fd1\u5169\u5e74\u4e0a\u5e02\u4e0b\u8dcc\u8d85\u904e80%\u7684\u7368\u89d2\u7378\uff0c\u5176\u5be6\u57282022\u5e74\u7684\u4e0b\u534a\u5e74\u7684\u8dcc\u5e45\u5176\u5be6\u4e26\u4e0d\u6703\u6bd4\u7f8e\u80a1\u5927\u76e4\u5dee\u592a\u591a\u3002\u53ef\u80fd\u7684\u539f\u56e0\u662f\u76ee\u524d\u7684\u7834\u76e4\u50f9\u5df2\u8da8\u8fd1\u76f4\u771f\u6b63\u5408\u7406\u7684\u50f9\u683c\u3002\u53e6\u4e00\u500b\u539f\u56e0\u662f\u9019\u4e9b\u57282022\u5e74\u7684\u4e0b\u534a\u5e74\u7684\u8dcc\u5e45\u8da8\u7de9\u7684\u8fd1\u5169\u5e74\u4e0a\u5e02\u7684\u7368\u89d2\u7378\u9084\u662f\u6709\u67d0\u65b9\u9762\u7684\u7af6\u722d\u529b\uff0c\u624d\u6703\u5438\u5f15\u6295\u8cc7\u8005\u5728\u80a1\u50f9\u5e95\u6a94\u6642\u8d81\u6a5f\u8cb7\u9032\uff0c\u652f\u6490\u4ed6\u5011\u4e00\u518d\u63a2\u5e95\u7684\u80a1\u50f9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%BC%83%E4%BF%9D%E9%9A%AA%E7%9A%84%E5%81%9A%E6%B3%95\"><\/span>\u8f03\u4fdd\u96aa\u7684\u505a\u6cd5&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6211\u5f88\u96e3\u5efa\u8b70\u6295\u8cc7\u4eba\u73fe\u5728\u5c31\u8003\u616e\u8cb7\u9032\u5b83\uff0c\u5c24\u5176\u662f\u56e0\u70ba\u7f8e\u570b\u53ef\u80fd\u6703\u57282023\u5e74\u7684\u67d0\u500b\u6642\u5019\u8d70\u5411\u8870\u9000\u3002\u8207\u666e\u901a\u9280\u884c\u4e00\u6a23\uff0cUpstart\u662f\u4e00\u5bb6\u5c0d\u5546\u696d\u666f\u6c23\u9ad8\u5ea6\u654f\u611f\u7684\u9031\u671f\u6027\u4f01\u696d\uff0c\u5728\u7d93\u6fdf\u7e41\u69ae\u6642\u671f\u7d55\u5c0d\u7e41\u69ae\uff0c\u4f46\u5728\u7d93\u6fdf\u4f4e\u8ff7\u6642\u671f\u537b\u8209\u6b65\u7dad\u8271\u3002\u8207\u9280\u884c\u76f8\u6bd4\uff0c\u5b83\u7684\u6700\u5927\u512a\u52e2\u5728\u65bc\u5b83\u4e0d\u6703\u76f4\u63a5\u627f\u64d4\u90a3\u9ebc\u591a\u7684\u4fe1\u7528\u98a8\u96aa\uff0c\u9019\u662f\u4e00\u500b\u5c0d\u6295\u8cc7\u4eba\u8f03\u6709\u5438\u5f15\u529b\u7684\u5730\u65b9\u3002&nbsp;<\/p>\n\n\n\n<p>\u5118\u7ba1\u8a72\u80a1\u57282022\u5e74\u4e0b\u8dcc\u4e8690%\u4ee5\u4e0a\uff0c\u76ee\u524d\u7684\u672c\u76ca\u6bd4\u662f15\u500d\uff0c\u6700\u597d\u7684\u505a\u6cd5\u662f\u66ab\u6642\u5c07Upstart\u653e\u9032\u5728\u4f60\u7684\u89c0\u5bdf\u540d\u55ae\u4e0a\u3002\u5982\u679c\u7d93\u6fdf\u57282023\u5e74\u671f\u9593\u51fa\u73fe\u597d\u8f49\u8de1\u8c61\uff0c\u90a3\u9ebc\u5b83\u7684\u696d\u52d9\u53ef\u80fd\u624d\u6703\u6062\u5fa9\uff0c\u5230\u6642\u5019\u80a1\u7968\u624d\u6703\u6709\u5438\u5f15\u529b\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"135\" height=\"124\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/12\/u-1600x1200-1.jpg\" alt=\"Upstart\" class=\"wp-image-29952\"\/><figcaption class=\"wp-element-caption\">credit: Upstart<\/figcaption><\/figure>\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\/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\/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\/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\/2025\/02\/26\/%e6%b7%b1%e5%85%a5%e6%8e%a2%e8%a8%8e%e4%ba%ba%e5%b7%a5%e6%99%ba%e6%85%a7%e8%aa%9e%e9%9f%b3%e7%ac%ac%e4%b8%80%e8%82%a1soundhound\/\">\u6df1\u5165\u63a2\u8a0e\u4eba\u5de5\u667a\u6167\u8a9e\u97f3\u7b2c\u4e00\u80a1SoundHound<\/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\/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 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