{"id":40521,"date":"2023-11-01T23:56:00","date_gmt":"2023-11-01T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=40521"},"modified":"2025-01-28T08:27:04","modified_gmt":"2025-01-28T00:27:04","slug":"%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/","title":{"rendered":"\u8c9d\u5bf6\uff08PayPal\uff09\u76ee\u524d\u7684\u5371\u6a5f\u548c\u5438\u5f15\u529b"},"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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E6%88%91%E6%9B%B8%E4%B8%AD%E8%AB%87%E5%88%B0%E8%B2%9D%E5%AF%B6%E7%9A%84%E9%83%A8%E4%BB%BD\" >\u6211\u66f8\u4e2d\u8ac7\u5230\u8c9d\u5bf6\u7684\u90e8\u4efd<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E6%83%85%E6%B3%81%E6%9C%89%E5%A4%9A%E7%B3%9F%EF%BC%9F\" >\u60c5\u6cc1\u6709\u591a\u7cdf\uff1f<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E7%96%AB%E6%83%85%E7%B4%85%E5%88%A9%E4%B8%8D%E5%86%8D\" >\u75ab\u60c5\u7d05\u5229\u4e0d\u518d<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E8%82%A1%E5%83%B9%E8%B7%8C%E5%8E%BB827\" >\u80a1\u50f9\u8dcc\u53bb82.7%<\/a><\/li><\/ul><\/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\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E5%9F%B7%E8%A1%8C%E9%95%B7%E8%A1%A8%E7%8F%BE%E4%BB%A4%E4%BA%BA%E5%A4%B1%E6%9C%9B\" >\u57f7\u884c\u9577\u8868\u73fe\u4ee4\u4eba\u5931\u671b<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E8%A1%A8%E7%8F%BE%E5%92%8C%E6%85%8B%E5%BA%A6\" >\u8868\u73fe\u548c\u614b\u5ea6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E5%A4%9A%E6%AC%A1%E8%AE%8A%E6%9B%B4%E8%B2%A1%E6%B8%AC\" >\u591a\u6b21\u8b8a\u66f4\u8ca1\u6e2c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E8%91%A3%E4%BA%8B%E6%9C%83%E9%96%8B%E9%8D%98\" >\u8463\u4e8b\u6703\u958b\u9358<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E6%96%B0%E7%9A%84%E5%9F%B7%E8%A1%8C%E9%95%B7\" >\u65b0\u7684\u57f7\u884c\u9577<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E6%94%B9%E8%AE%8A%E4%B8%8D%E5%AE%B9%E6%98%93\" >\u6539\u8b8a\u4e0d\u5bb9\u6613<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E8%B2%9D%E5%AF%B6%E7%9A%84%E5%84%AA%E5%8B%A2%E4%BB%8D%E5%9C%A8\" >\u8c9d\u5bf6\u7684\u512a\u52e2\u4ecd\u5728<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E6%8A%95%E8%B3%87%E4%BA%BA%E4%B8%8D%E5%BF%85%E7%B5%95%E6%9C%9B\" >\u6295\u8cc7\u4eba\u4e0d\u5fc5\u7d55\u671b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E5%B9%B3%E5%8F%B0%E5%B7%B2%E5%BD%A2%E6%88%90%E8%A6%8F%E6%A8%A1\" >\u5e73\u53f0\u5df2\u5f62\u6210\u898f\u6a21&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E9%9B%84%E5%8E%9A%E7%9A%84%E8%B2%A1%E5%8B%99%E5%AF%A6%E5%8A%9B\" >\u96c4\u539a\u7684\u8ca1\u52d9\u5be6\u529b&nbsp;<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E7%AB%B6%E7%88%AD%E6%BF%80%E7%83%88\" >\u7af6\u722d\u6fc0\u70c8&nbsp;<\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E4%BC%B0%E5%80%BC%E4%BD%8E\" >\u4f30\u503c\u4f4e&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/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\/11\/01\/%e8%b2%9d%e5%af%b6%ef%bc%88paypal%ef%bc%89%e7%9b%ae%e5%89%8d%e7%9a%84%e7%b6%93%e7%87%9f%e5%9b%b0%e5%a2%83\/#%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%E6%9B%B8%E4%B8%AD%E8%AB%87%E5%88%B0%E8%B2%9D%E5%AF%B6%E7%9A%84%E9%83%A8%E4%BB%BD\"><\/span>\u6211\u66f8\u4e2d\u8ac7\u5230\u8c9d\u5bf6\u7684\u90e8\u4efd<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u5728\u300a<a href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noreferrer noopener\">\u8d85\u7d1a\u6210\u9577\u80a1\u6295\u8cc7\u6cd5\u5247<\/a>\u300b\u4e00\u66f8\u4e2d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3-5\u5c0f\u7bc0\u7684208-215\u9801\u4e2d\uff0c\u5728\u4ecb\u7d39\u91d1\u878d\u79d1\u6280\u65b0\u5275\u6210\u9577\u7522\u696d\u6642\uff0c\u5c31\u662f\u4ee5\u8c9d\u5bf6\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u9019\u5bb6\u516c\u53f8\u70ba\u4f8b\u30023-5\u5c0f\u7bc0\u7684210-213\u9801\uff0c\u66f4\u662f\u5c0d\u8c9d\u5bf6\u9019\u5bb6\u4f01\u696d\u7684\u71df\u904b\u5167\u5bb9\u3001\u516c\u53f8\u7684\u7522\u54c1\u3001\u9054\u6210\u7684\u6210\u5c31\u9032\u884c\u4e86\u8a73\u7d30\u7684\u4ecb\u7d39\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5728\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\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5-7\u5c0f\u7bc0\uff0c\u7b2c247-251\u9801\uff0c\u6574\u500b\u5c0f\u7bc0\u5c08\u9580\u4ecb\u7d39Block\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aXYZ\uff09\u9019\u5bb6\u516c\u53f8\u6642\u4e5f\u4e00\u4f75\u63d0\u53ca\u548c\u8c9d\u5bf6\u7684\u6bd4\u8f03\u548c\u5dee\u7570\u3002<\/li>\n\n\n\n<li>6-5\u5c0f\u7bc0\u7684299\u9801\u4e2d\uff0c\u4ee5\u8c9d\u5bf6\u70ba\u4f8b\uff0c\u8aaa\u660e\u516c\u53f8\u8ca1\u6e2c\u6307\u5f15\u548c\u5c55\u671b\u5c0d\u80a1\u50f9\u7684\u5f71\u97ff\u3002<\/li>\n\n\n\n<li>3-5\u5c0f\u7bc0\u7684160-161\u9801\u4e2d\uff0c\u8aaa\u660e\u4e9e\u99ac\u905c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAMZN\uff09\u9019\u7a2e\u96fb\u5546\u5e73\u53f0\u5de8\u64d8\u7684\u5bb0\u5236\u529b\uff0c\u5c0d\u652f\u4ed8\u7522\u696d\u7684\u5de8\u5927\u5f71\u97ff\u529b\u3002\u8b80\u8005\u4e5f\u53ef\u4ee5\u53c3\u95b1\u6211\u53e6\u4e00\u7bc7\u8cbc\u6587\u5c0d\u9019\u4e00\u500b\u4e3b\u984c\u7684\u8a73\u7d30\u8aaa\u660e\uff1a\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/12\/10\/%E4%BA%9E%E9%A6%AC%E9%81%9C%E7%9A%84%E5%AE%B0%E5%88%B6\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e9e\u99ac\u905c\uff08Amazon\uff09\u7684\u5bb0\u5236\u529b &#8211; \u5f9e\u8c9d\u5bf6\uff08PayPal\uff09\u3001Affirm\u3001\u8cbb\u57c3\u54f2\uff08Fair Isaac\uff09\u3001\u5a01\u58eb\uff08Mastercard\uff09\u3001\u842c\u58eb\u9054\uff08Visa\uff09\u8fd1\u4f86\u80a1\u50f9\u7684\u8d70\u52e2\u4f86\u770b<\/a>\u300b\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%83%85%E6%B3%81%E6%9C%89%E5%A4%9A%E7%B3%9F%EF%BC%9F\"><\/span>\u60c5\u6cc1\u6709\u591a\u7cdf\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%96%AB%E6%83%85%E7%B4%85%E5%88%A9%E4%B8%8D%E5%86%8D\"><\/span>\u75ab\u60c5\u7d05\u5229\u4e0d\u518d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2021\u5e74\u4e4b\u524d\u7684\u5169\u4e09\u5e74\uff0c\u8c9d\u5bf6\u7684\u80a1\u50f9\u548c\u591a\u6578\u7684\u79d1\u6280\u80a1\u4e00\u6a23\uff0c\u4e00\u518d\u5275\u4e0b\u65b0\u9ad8\u3002\u5f9e\u516c\u53f8\u4e0a\u5e02\u5f8c\uff0c\u6b63\u597d\u78b0\u5230\u7f8e\u80a1\u5c11\u898b\u768413\u5e74\u7684\u5927\u725b\u5e02\uff0c\u518d\u52a0\u4e0a\u65b0\u51a0\u75ab\u60c5\u6d88\u8cbb\u8005\u70ba\u907f\u514d\u63a5\u89f8\u611f\u67d3\uff0c\u504f\u597d\u4f7f\u7528\u96fb\u5b50\u8f49\u5e33\u548c\u96fb\u5546\u8cfc\u7269\uff0c\u9019\u5169\u9ede\u53ef\u8aaa\u662f\u8c9d\u5bf6\u7684\u80a1\u50f9\u7684\u50ac\u5316\u5291\u30022021\u5e74\u4e4b\u5f8c\uff0c\u78b0\u4e0a\u5347\u5347\u606f\u548c\u718a\u5e02\uff0c\u80a1\u50f9\u4e00\u8def\u4e0b\u6ed1\u81f3\u4eca\uff0c\u7d72\u4eb3\u6c92\u6709\u89f8\u5e95\u7684\u8de1\u8c61\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%82%A1%E5%83%B9%E8%B7%8C%E5%8E%BB827\"><\/span>\u80a1\u50f9\u8dcc\u53bb82.7%<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6700\u91cd\u8981\u7684\u662f\uff0c\u65b0\u51a0\u75ab\u60c5\u4e4b\u5f8c\u81f3\u4eca\uff0c\u516c\u53f8\u7684\u80a1\u50f9\u5f9e\u6700\u9ad8\u9ede\u4e00\u518d\u4e0b\u63a2\u65b0\u4f4e\uff1b\u5df2\u75312021\u5e747\u6708\u6642\u7684\u6700\u9ad8\u9ede\u4e0b\u632b\u4e8682.7%\uff0c\u800c\u4e14\u4e0b\u632b\u7684\u5169\u5e74\u591a\u7684\u671f\u9593\u770b\u4e0d\u5230\u4efb\u4f55\u53cd\u5f48\u7684\u8de1\u8c61\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%9F%B7%E8%A1%8C%E9%95%B7%E8%A1%A8%E7%8F%BE%E4%BB%A4%E4%BA%BA%E5%A4%B1%E6%9C%9B\"><\/span>\u57f7\u884c\u9577\u8868\u73fe\u4ee4\u4eba\u5931\u671b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%A1%A8%E7%8F%BE%E5%92%8C%E6%85%8B%E5%BA%A6\"><\/span>\u8868\u73fe\u548c\u614b\u5ea6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u76ee\u524d\u7684\u57f7\u884c\u9577\u8212\u723e\u66fc\uff08Dan Schulman\uff09\u7684\u4e0a\u4e00\u4efd\u5de5\u4f5c\u662f\u7f8e\u570b\u904b\u901a\u7684\u7ba1\u7406\u5718\u968a\uff0c\u8ca0\u8cac\u5168\u7403\u7b56\u7565\uff0c\u4ee5\u64f4\u5927\u66ff\u4ee3\u884c\u52d5\u548c\u7dda\u4e0a\u652f\u4ed8\u670d\u52d9\u3001\u5efa\u7acb\u65b0\u7684\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\uff0c\u4e26\u5efa\u7acb\u50b3\u7d71\u5361\u7247\u548c\u65c5\u904a\u696d\u52d9\u4ee5\u5916\u7684\u6536\u5165\u4f86\u6e90\u3002\u7d93\u71df\u904e\u5927\u578b\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u7684\u4e3b\u8981\u90e8\u9580\uff0c\u7167\u7406\u8aaa\u61c9\u5c0d\u6b64\u884c\u696d\u975e\u5e38\u719f\u6089\u3002\u4f46\u4e8b\u5be6\u8b49\u660e\uff0c\u4ed6\u4eca\u6295\u8cc7\u4eba\u975e\u5e38\u5931\u671b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A4%9A%E6%AC%A1%E8%AE%8A%E6%9B%B4%E8%B2%A1%E6%B8%AC\"><\/span>\u591a\u6b21\u8b8a\u66f4\u8ca1\u6e2c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8c9d\u5bf6\u5728\u904e\u53bb\u4e09\u5e74\uff0c\u4e0d\u50c5\u591a\u6b21\u64a4\u56de\u516c\u53f8\u5148\u524d\u516c\u4f48\u7684\u8ca1\u6e2c\u3001\u71df\u696d\u76ee\u6a19\u3001\u4e2d\u671f\u71df\u904b\u5c55\u671b\uff1b\u4efb\u610f\u8b8a\u66f4\u516c\u53f8\u7684\u9577\u77ed\u671f\u76ee\u6a19\u3002\u5176\u4e2d\u591a\u6b21\u8b8a\u66f4\u8ca1\u6e2c\uff0c\u5c24\u5176\u662f\u4e0b\u4fee\u8ca1\u6e2c\uff0c\u6bcf\u6b21\u90fd\u6703\u5c0d\u80a1\u50f9\u90fd\u6703\u9020\u6210\u7121\u53ef\u5f4c\u88dc\u7684\u50b7\u5bb3\u3002\u4f46\u8c9d\u5bf6\u73fe\u4efb\u57f7\u884c\u9577\u8212\u723e\u66fc\u537b\u9078\u64c7\u4e00\u518d\u4e0b\u8abf\u8ca1\u6e2c\uff0c\u7f6e\u80a1\u6771\u7684\u5229\u76ca\u548c\u516c\u53f8\u7684\u5f62\u8c61\u65bc\u4e0d\u9867\u3002<\/p>\n\n\n\n<p>\u9019\u4e00\u90e8\u4efd\uff0c\u6211\u5728\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\u66f86-5\u5c0f\u7bc0\u7684299\u9801\u66fe\u6709\u904e\u8a73\u7d30\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%91%A3%E4%BA%8B%E6%9C%83%E9%96%8B%E9%8D%98\"><\/span>\u8463\u4e8b\u6703\u958b\u9358<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u57f7\u884c\u9577\u8212\u723e\u66fc\u62ff\u4e0d\u51fa\u4efb\u4f55\u7684\u5177\u9ad4\u65b9\u6848\uff0c\u800c\u4e14\u8868\u73fe\u51fa\u4e00\u4ed8\u7121\u6240\u8b02\u7684\u7684\u614b\u5ea6\uff0c\u81f3\u5c11\u5728\u6295\u8cc7\u4eba\u770b\u4f86\u662f\u62ff\u4e0d\u51fa\u89e3\u6c7a\u65b9\u6848\uff0c\u9019\u4e00\u5207\u8457\u5be6\u60f9\u706b\u9577\u671f\u7684\u6295\u8cc7\u4eba\u3002\u9023\u8463\u4e8b\u6703\u4e5f\u7d42\u65bc\u770b\u4e0d\u4e0b\u53bb\u800c\u5c0d\u8c9d\u5bf6\u7684\u7ba1\u7406\u5718\u968a\u958b\u9358\uff0c\u76f4\u63a5\u5728\u5e74\u521d\u4e8c\u6708\u548c\u4e09\u6642\u76f8\u7e7c\u5ba3\u5e03\u57f7\u884c\u9577\u8212\u723e\u66fc\u548c\u8ca1\u52d9\u9577Blake Jorgensen\u90fd\u5c07\u53bb\u8077\u3002\u4f46\u56e0\u70ba\u8c9d\u5bf6\u662f\u5f88\u5927\u578b\u7684\u91d1\u878d\u79d1\u6280\u5546\uff0c\u4e00\u6642\u9593\u7121\u6cd5\u627e\u5230\u7e7c\u4efb\u4eba\u9078\uff0c\u53ea\u597d\u8b93\u4ed6\u66ab\u6642\u5f85\u5728\u4f4d\u7f6e\u4e0a\uff0c\u7b49\u5019\u4ea4\u63a5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%96%B0%E7%9A%84%E5%9F%B7%E8%A1%8C%E9%95%B7\"><\/span>\u65b0\u7684\u57f7\u884c\u9577<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9084\u597d\uff0c\u516b\u6708\u6642\u8463\u4e8b\u6703\u5df2\u7d93\u5ba3\u4f48\u524d\u4efb\u7684\u8ca1\u6377\u516c\u53f8\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aINTU\uff09\u8ca0\u8cac\u4e2d\u5c0f\u4f01\u696d\uff08Small Business and Self-Employed group\uff09\u90e8\u9580\u7684Alex Chriss\u5c07\u6703\u57282023\u5e749\u670827\u65e5\u53d6\u4ee3\u76ee\u524d\u8c9d\u5bf6\u7684\u57f7\u884c\u9577\u3002\u516c\u53f8\u80a1\u7968\u7576\u5929\u7acb\u5373\u4e0a\u6f14\u5927\u6f322.83%\u7684\u6176\u795d\u884c\u60c5\uff0c\u53cd\u6620\u51fa\u6295\u8cc7\u4eba\u662f\u591a\u6e34\u671b\u9019\u6a23\u9072\u4f86\u7684\u5fc5\u9700\u6539\u8b8a\u3002<\/p>\n\n\n\n<p>\u95dc\u65bc\u8ca1\u6377\u516c\u53f8\uff0c\u8acb\u53c3\u898b\u6211\u4e4b\u524d\u7684\u53e6\u4e00\u7bc7\u8cbc\u6587\u7684\u8a73\u7d30\u7684\u4ecb\u7d39\uff1a\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/10\/10\/%E5%80%8B%E4%BA%BA%E5%92%8C%E4%B8%AD%E5%B0%8F%E4%BC%81%E6%A5%AD%E8%B2%A1%E5%8B%99%E7%AE%A1%E7%90%86%E7%9A%84%E9%A0%98%E5%B0%8E%E5%95%86%E8%B2%A1%E6%8D%B7%EF%BC%88intuit%EF%BC%89\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u500b\u4eba\u548c\u4e2d\u5c0f\u4f01\u696d\u8ca1\u52d9\u7ba1\u7406\u8edf\u9ad4\u7684\u9818\u5c0e\u5ee0\u5546\u8ca1\u6377\uff08Intuit\uff09\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%94%B9%E8%AE%8A%E4%B8%8D%E5%AE%B9%E6%98%93\"><\/span>\u6539\u8b8a\u4e0d\u5bb9\u6613<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u63a5\u4e0b\u4f86\uff0cAlex Chriss\u5fc5\u9700\u9762\u5c0d\u524d\u4efb\u7684\u57f7\u884c\u9577\u8212\u723e\u66fc\u7559\u4e0b\u7684\u8a31\u591a\u721b\u6524\u5b50\uff0c\u53ef\u8aaa\u90fd\u662f\u975e\u5e38\u68d8\u624b\u7684\u554f\u984c\uff0c\u6c92\u6709\u4e00\u4ef6\u662f\u5bb9\u6613\u7684\u3002\u5982\u679c\u65b0\u7684\u57f7\u884c\u9577\u7121\u6cd5\u5728\u77ed\u671f\u5167\u8b93\u516c\u53f8\u8d77\u6b7b\u56de\u751f\uff0c\u8c9d\u5bf6\u9019\u5bb6\u516c\u53f8\u7684\u524d\u9014\u5c07\u6703\u5f88\u4e0d\u6a02\u89c0\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%B2%9D%E5%AF%B6%E7%9A%84%E5%84%AA%E5%8B%A2%E4%BB%8D%E5%9C%A8\"><\/span>\u8c9d\u5bf6\u7684\u512a\u52e2\u4ecd\u5728<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8A%95%E8%B3%87%E4%BA%BA%E4%B8%8D%E5%BF%85%E7%B5%95%E6%9C%9B\"><\/span>\u6295\u8cc7\u4eba\u4e0d\u5fc5\u7d55\u671b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8aaa\u5230\u96fb\u5b50\u652f\u4ed8\uff0c\u5f88\u96e3\u5426\u8a8d\u8c9d\u5bf6\u5728\u696d\u754c\u7684\u5730\u4f4d<strong>\u3002<\/strong>\u4e8c\u5341\u591a\u5e74\u4f86\uff0c\u5b83\u4e00\u76f4\u662f\u8a72\u9818\u57df\u503c\u5f97\u4fe1\u8cf4\u7684\u54c1\u724c\u3002&nbsp;<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5b8f\u89c0\u4e0d\u78ba\u5b9a\u6027\u5c0e\u81f4\u6210\u9577\u653e\u7de9\u5c0e\u81f4\u5e02\u5834\u60c5\u7dd2\u66f4\u52a0\u60b2\u89c0\u3002\u9019\u5bb6\u9818\u5148\u7684\u91d1\u878d\u79d1\u6280\u4f01\u696d\u7684\u80a1\u50f9\u76ee\u524d\u6bd4\u9ad8\u5cf0\u4f4e\u4e86 83%\u3002\u4e5f\u8a31\u9019\u662f\u4e00\u500b\u6f5b\u5728\u7684\u6295\u8cc7\u6a5f\u6703\u3002&nbsp;<\/p>\n\n\n\n<p>\u4f46\u5728\u8cfc\u8cb7\u80a1\u7968\u4e4b\u524d\uff0c\u8070\u660e\u7684\u6295\u8cc7\u8005\u9700\u8981\u4e86\u89e3\u4ee5\u4e0b\u4e00\u4e9b\u95dc\u65bc\u8c9d\u5bf6\u7684\u512a\u52e2\u3002&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B9%B3%E5%8F%B0%E5%B7%B2%E5%BD%A2%E6%88%90%E8%A6%8F%E6%A8%A1\"><\/span>\u5e73\u53f0\u5df2\u5f62\u6210\u898f\u6a21&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8c9d\u5bf62022 \u5e74\u8655\u7406\u7684\u7e3d\u652f\u4ed8\u984d (TPV) \u70ba 1.36 \u5146\u7f8e\u5143\uff0c\u76ee\u524d\u64c1\u6709 4.31 \u5104\u500b\u6d3b\u8e8d\u5e33\u6236\u3002\u9019\u8868\u660e\u5176\u898f\u6a21\u5de8\u5927\uff0c\u4f46\u8a72\u696d\u52d9\u6709\u8a31\u591a\u4e0d\u540c\u7684\u90e8\u5206\u503c\u5f97\u7406\u89e3\u3002&nbsp;<\/p>\n\n\n\n<p>\u6295\u8cc7\u8005\u53ef\u80fd\u6700\u719f\u6089PayPal\u6309\u9215\uff0c\u5b83\u88ab\u7a31\u70ba\u54c1\u724c\u7d50\u5e33\u3002\u6211\u78ba\u4fe1\u8a31\u591a\u8b80\u8005\u5728\u7db2\u4e0a\u8cfc\u7269\u6642\u767c\u73fe\u81ea\u5df1\u4f7f\u7528\u4e86\u9019\u500b\u9078\u9805\u30022022 \u5e74\uff0c\u5b83\u4f54\u7e3d TPV \u7684 30%\u3002<\/p>\n\n\n\n<p>Braintree \u65bc 2013 \u5e74\u4ee5 8 \u5104\u7f8e\u5143\u6536\u8cfc\uff0c\u662f\u8c9d\u5bf6\u7684\u7121\u54c1\u724c\u7d50\u5e33\u670d\u52d9\uff0c\u5c08\u6ce8\u65bc\u70ba\u5546\u5bb6\u63d0\u4f9b\u670d\u52d9\u3002\u96d6\u7136\u5176\u5229\u6f64\u7387\u901a\u5e38\u4f4e\u65bc\u54c1\u724c\u7d50\u5e33\uff0c\u4f46\u5176\u6210\u9577\u901f\u5ea6\u66f4\u5feb\u30022022 \u5e74\uff0cBraintree \u7684 TPV \u7d04\u70ba 4,000 \u5104\u7f8e\u5143\uff0c\u8207\u54c1\u724c\u7d50\u5e33\u6301\u5e73\u3002&nbsp;<\/p>\n\n\n\n<p>\u6211\u5011\u4e0d\u80fd\u5fd8\u8a18 Venmo\uff0c\u9019\u662f\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u9ede\u5c0d\u9ede\u652f\u4ed8\u670d\u52d9\uff0c\u53bb\u5e74\u8655\u7406\u4e86 2,450 \u5104\u7f8e\u5143\u7684 TPV\u3002\u7ba1\u7406\u5c64\u5c08\u6ce8\u65bc\u5c0b\u627e\u900f\u904e\u8a72\u5e73\u53f0\u7372\u5229\u7684\u65b9\u6cd5\u3002\u5176\u4e2d\u4e00\u500b\u95dc\u9375\u90e8\u5206\u662f\u589e\u52a0\u8a3b\u518a Venmo \u91d1\u878d\u5361\u6216\u4fe1\u7528\u5361\u7684\u7528\u6236\u6578\u91cf\u3002&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%9B%84%E5%8E%9A%E7%9A%84%E8%B2%A1%E5%8B%99%E5%AF%A6%E5%8A%9B\"><\/span>\u96c4\u539a\u7684\u8ca1\u52d9\u5be6\u529b&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u8a72\u80a1\u7684\u5927\u5e45\u4e0b\u8dcc\u6703\u8b93\u4f60\u5ffd\u8996\u8c9d\u5bf6\u7684\u7372\u5229\u80fd\u529b\u3002\u4e0a\u5b63\uff08\u622a\u81f3 6 \u6708 30 \u65e5\u7684 2023 \u5e74\u7b2c\u4e8c\u5b63\uff09\u5176\u975e GAAP\u71df\u696d\u5229\u6f64\u7387\u70ba 21.4%\u3002\u5728\u904e\u53bb 12 \u500b\u6708\u4e2d\uff0c\u8a72\u516c\u53f8\u7522\u751f\u4e86 37 \u5104\u7f8e\u5143\u7684\u81ea\u7531\u73fe\u91d1\u6d41\u3002\u9019\u5c0d\u91d1\u878d\u79d1\u6280\u9818\u57df\u7684\u6295\u8cc7\u4eba\u4f86\u8aaa\u662f\u4ee4\u4eba\u9f13\u821e\u7684\uff0c\u56e0\u70ba\u8a31\u591a\u4f01\u696d\u9060\u672a\u9054\u5230\u6b63\u6536\u76ca\u3002&nbsp;<\/p>\n\n\n\n<p>\u591a\u9918\u7684\u73fe\u91d1\u88ab\u7528\u4f86\u7a4d\u6975\u56de\u8cfc\u80a1\u7968\u3002\u50c5\u5728\u904e\u53bb\u56db\u500b\u5b63\u5ea6\uff0c\u8c9d\u5bf6\u7684\u6d41\u901a\u80a1\u6578\u91cf\u5c31\u6e1b\u5c11\u4e86 4%\u3002\u73fe\u6709\u6295\u8cc7\u8005\u5c07\u5f9e\u66f4\u9ad8\u7684\u6bcf\u80a1\u76c8\u9918\u4e2d\u7372\u76ca\uff0c\u9019\u6709\u52a9\u65bc\u63a8\u52d5\u80a1\u50f9\u4e0a\u6f32\u3002&nbsp;<\/p>\n\n\n\n<p>\u8c9d\u5bf6\u4e4b\u6240\u4ee5\u64c1\u6709\u5982\u6b64\u5f37\u5927\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u8207\u5176\u5546\u696d\u6a21\u5f0f\u6709\u95dc\u3002\u73fe\u5728\u6280\u8853\u57fa\u790e\u8a2d\u65bd\u5df2\u7d93\u57fa\u672c\u5efa\u6210\uff0c\u8cc7\u672c\u652f\u51fa\u4e5f\u4e0d\u7b97\u592a\u9ad8\u3002\u9019\u7a2e\u898f\u6a21\u5316\u7d93\u71df\u5e36\u4f86\u4e86\u53ef\u89c0\u7684\u5229\u6f64\u3002&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%AB%B6%E7%88%AD%E6%BF%80%E7%83%88\"><\/span>\u7af6\u722d\u6fc0\u70c8&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u8aaa\u8c9d\u5bf6\u5728\u652f\u4ed8\u9818\u57df\u9762\u81e8\u6fc0\u70c8\u7684\u7af6\u722d\uff0c\u90a3\u5c31\u592a\u8f15\u63cf\u6de1\u5beb\u4e86\u3002Braintree \u4e3b\u8981\u662f\u548cAdyen\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aADYYF\uff09\u548c\u672a\u4e0a\u5e02\u7684 Stripe \u7b49\u516c\u53f8\u7af6\u722d\uff0c\u9019\u5169\u5bb6\u516c\u53f8\u90fd\u53d6\u5f97\u4e86\u5de8\u5927\u7684\u6210\u529f\uff0c\u4e26\u53d7\u5230\u5168\u7403\u5546\u5bb6\u7684\u63a1\u7528\u3002\u6b64\u5916<strong>\uff0c <\/strong>Shopify\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aSHOP\uff0c\u8a73\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u8cbc\u6587\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/?s=Shopify%E7%B0%A1%E4%BB%8B%EF%BC%8C%E5%AE%83%E6%98%AF%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2%E7%9A%84%EF%BC%9F%E8%B2%9D%E4%BD%90%E6%96%AF%E6%89%BF%E8%AA%8D%E7%9A%84%E5%94%AF%E4%B8%80%E6%95%B5%E6%89%8B\" target=\"_blank\" rel=\"noreferrer noopener\">Shopify\u7c21\u4ecb\uff0c\u5b83\u662f\u5982\u4f55\u8cfa\u9322\u7684\uff1f\u8c9d\u4f50\u65af\u627f\u8a8d\u7684\u552f\u4e00\u6575\u624b<\/a>\u300b\uff09\u548cWix\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aWIX\uff09\u7b49\u96fb\u5b50\u5546\u52d9\u5e73\u53f0&nbsp;\u53ef\u80fd\u8207 Braintree \u63d0\u4f9b\u7684\u67d0\u4e9b\u670d\u52d9\u91cd\u758a\u3002&nbsp;<\/p>\n\n\n\n<p>\u7576\u6d89\u53ca\u5230\u9762\u5411\u6d88\u8cbb\u8005\u7684\u65b9\u9762\u6642\uff0c\u7af6\u722d\u53ef\u80fd\u6703\u66f4\u52a0\u6fc0\u70c8\u3002Block\uff08\u8a73\u898b\u6211\u7684\u53e6\u4e00\u7bc7\u8cbc\u6587\u300a<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\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b\uff09\u7684Cash App\u8207\u8c9d\u5bf6\u7684\u54c1\u724c\u6578\u4f4d\u9322\u5305\u548c Venmo \u5c55\u958b\u4e86\u6b63\u9762\u4ea4\u92d2\u3002Cash App 2022 \u5e74\u7684\u6bdb\u5229\u70ba 30 \u5104\u7f8e\u5143\uff0c\u9060\u9060\u8d85\u904e Venmo\u53bb\u5e74\u9810\u8a08\u7684 9.35 \u5104\u7f8e\u5143\u7684\u6536\u5165<em>\u7e3d\u984d\u3002<\/em>\u9019\u662f\u4e00\u500b\u660e\u986f\u7684\u8de1\u8c61\uff0c\u9019\u8868\u793a Cash App \u5728\u5e73\u53f0\u8ca8\u5e63\u5316\u65b9\u9762\u505a\u5f97\u66f4\u597d\u3002&nbsp;<\/p>\n\n\n\n<p>\u8c9d\u5bf6\u9084\u5fc5\u9808\u8207\u860b\u679c\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAAPL\uff09\u548c\u5b57\u6bcd\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aGOOGL\uff09\u7b49\u4e3b\u5c0e\u7684\u79d1\u6280\u516c\u53f8\u5c0d\u6297\u3002\u9019\u4e9b\u516c\u53f8\u8655\u65bc\u6709\u5229\u5730\u4f4d\uff0c\u56e0\u70ba\u5b83\u5011\u4e0d\u50c5\u63d0\u4f9b\u6d41\u884c\u7684\u6578\u4f4d\u9322\u5305\uff0c\u9084\u63a7\u5236\u8457\u5169\u500b\u6700\u5f37\u5927\u7684\u667a\u6167\u578b\u624b\u6a5f\u4f5c\u696d\u7cfb\u7d71\u3002&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BC%B0%E5%80%BC%E4%BD%8E\"><\/span>\u4f30\u503c\u4f4e&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7531\u65bc\u8a72\u80a1\u76ee\u524d\u6bd4\u5176\u5cf0\u503c\u50f9\u683c\u4f4e 83%\uff0c\u770b\u6f32\u7684\u6295\u8cc7\u8005\u6709\u6a5f\u6703\u4ee5\u50c5\u70ba 15 \u500d\u7684\u672a\u4f86\u672c\u76ca\u6bd4(Forward P\/E)\u8cb7\u5165\u8c9d\u5bf6\u3002\u9019\u662f\u81ea\u8c9d\u5bf6\u4e0a\u5e02\u4ee5\u4f86\u80a1\u50f9\u6700\u4fbf\u5b9c\u7684\u50f9\u683c\u8a72\u696d\u52d9\u65bc2015 \u5e74\u5f9eeBay\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aEBAY\uff09\u525d\u96e2\uff0c\u76ee\u524d\u7684\u50f9\u4f4d\u5be6\u5728\u662f\u4e00\u7b46\u5212\u7b97\u7684\u4ea4\u6613\u3002&nbsp;<\/p>\n\n\n\n<p>\u4e8b\u5be6\u4e0a\uff0c\u81ea\u5206\u62c6\u4ee5\u4f86\uff0c\u8c9d\u5bf6\u80a1\u7968\u7684\u5e73\u5747\u672c\u76ca\u6bd4\u9ad8\u905449\u500d\u3002\u53ef\u4ee5\u80af\u5b9a\u5730\u8aaa\uff0c\u6295\u8cc7\u8005\u5df2\u7d93\u5b8c\u5168\u5c0d\u9019\u5bb6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u611f\u5230\u5931\u671b\uff0c\u9019\u53ef\u80fd\u662f\u7531\u65bc\u6210\u9577\u653e\u7de9\u6240\u81f4\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B5%90%E8%AB%96\"><\/span>\u7d50\u8ad6<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8c9d\u5bf6\u7684\u7d93\u71df\u5718\u968a\u6709\u5f88\u591a\u6771\u897f\u9700\u8981\u5411\u6295\u8cc7\u4eba\u4ea4\u4ee3\uff0c\u516c\u53f8\u9084\u5177\u6709\u4e00\u5b9a\u7684\u7af6\u722d\u529b\uff0c\u9700\u8981\u958b\u62d3\u66f4\u5927\u7684\u5e02\u5834\u3002\u6295\u8cc7\u4eba\u5728\u4e86\u89e3\u4e0a\u9762\u9019\u56db\u500b\u512a\u52e2\u5f8c\uff0c\u61c9\u80fd\u5920\u5c0d\u80a1\u7968\u505a\u51fa\u66f4\u660e\u667a\u7684\u6c7a\u5b9a\u3002&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2023\/10\/pypl.jpg\" alt=\"\u8c9d\u5bf6\" class=\"wp-image-40522\" width=\"119\" height=\"32\"\/><figcaption class=\"wp-element-caption\">credit: Wiki<\/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\/2023\/11\/01\/%E8%B2%9D%E5%AF%B6%EF%BC%88paypal%EF%BC%89%E7%9B%AE%E5%89%8D%E7%9A%84%E7%B6%93%E7%87%9F%E5%9B%B0%E5%A2%83\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8c9d\u5bf6\uff08PayPal\uff09\u76ee\u524d\u7684\u5371\u6a5f\u548c\u5438\u5f15\u529b<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/08\/23\/%E6%96%B0%E8%88%88%E7%9A%84%E6%94%AF%E4%BB%98%E5%95%86shift4\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c08\u6ce8\u4e2d\u5c0f\u4f01\u696d\u7684\u5c0f\u578b\u65b0\u8208\u652f\u4ed8\u5546Shift4\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/11\/22\/%E7%82%BA%E4%BB%80%E9%BA%BC%E8%B2%9D%E5%AF%B6paypal%E8%82%A1%E5%83%B9%E8%87%AA%E9%AB%98%E9%BB%9E%E6%9A%B4%E8%B7%8C%E4%BA%86%E8%BF%9140\/\">\u70ba\u4ec0\u9ebc\u8c9d\u5bf6\uff08PayPal\uff09\u80a1\u50f9\u81ea\u9ad8\u9ede\u66b4\u8dcc42%\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/07\/16\/%E7%82%BA%E4%BB%80%E9%BA%BC%E7%94%A8paypal%E8%B2%B7%E6%AF%94%E7%89%B9%E5%B9%A3%E4%B8%8D%E6%98%AF%E5%80%8B%E5%A5%BD%E4%B8%BB%E6%84%8F\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u70ba\u4ec0\u9ebc\u7528\u8c9d\u5bf6\uff08PayPal\uff09\u8cb7\u6bd4\u7279\u5e63\u4e0d\u662f\u500b\u597d\u4e3b\u610f\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/03\/12\/%E6%AF%94%E7%89%B9%E5%B9%A3%E5%86%8D%E6%94%80%E9%AB%98%E5%B3%B0%E7%9A%84%E5%8E%9F%E5%9B%A0\/\" target=\"_blank\" rel=\"noreferrer 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noopener\">\u500b\u4eba\u548c\u4e2d\u5c0f\u4f01\u696d\u8ca1\u52d9\u7ba1\u7406\u8edf\u9ad4\u7684\u9818\u5c0e\u5ee0\u5546\u8ca1\u6377\uff08Intuit\uff09\u5982\u4f55\u8cfa\u9322\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2024\/05\/19\/nubank%E5%A6%82%E4%BD%95%E8%B3%BA%E9%8C%A2\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5df4\u83f2\u7279\u6301\u6709\u7684Nubank\u5982\u4f55\u8cfa\u9322\uff1f\u512a\u52e2\u70ba\u4f55\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<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\">\u60a8\u61c9\u8a72\u8a8d\u8b58Square\u9019\u5bb6\u4f01\u696d\uff08\u516c\u53f8\u540d\u7a31\u5df2\u6539\u70baBlock\uff09<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a 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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>\u6211\u66f8\u4e2d\u8ac7\u5230\u8c9d\u5bf6\u7684\u90e8\u4efd 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