{"id":795,"date":"2021-06-04T23:38:00","date_gmt":"2021-06-04T15:38:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/?p=795"},"modified":"2025-11-23T10:30:53","modified_gmt":"2025-11-23T02:30:53","slug":"%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/","title":{"rendered":"2\u5927\u4fe1\u7528\u5361\u7db2\u8def \u5a01\u58eb\uff08Visa\uff09\u548c\u842c\u4e8b\u9054\uff08Mastercard\uff09\u7684\u8b77\u57ce\u6cb3\u9b06\u52d5\u4e86\u55ce\uff1f"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E5%A8%81%E5%A3%AB%E5%92%8C%E8%90%AC%E4%BA%8B%E9%81%94%E7%84%A1%E6%89%80%E4%B8%8D%E5%9C%A8\" >\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u7121\u6240\u4e0d\u5728<\/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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E7%82%BA%E4%BB%80%E9%BA%BC%E6%B6%88%E8%B2%BB%E8%80%85%E9%82%84%E5%9C%A8%E4%BD%BF%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%EF%BC%9F\" >\u70ba\u4ec0\u9ebc\u6d88\u8cbb\u8005\u9084\u5728\u4f7f\u7528\u4fe1\u7528\u5361\uff1f<\/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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%A5%AD%E8%80%85%E6%90%B6%E8%B5%B0%E9%82%A3%E4%BA%9B%E5%B8%82%E5%A0%B4%EF%BC%9F\" >\u91d1\u878d\u79d1\u6280\u696d\u8005\u6436\u8d70\u90a3\u4e9b\u5e02\u5834\uff1f<\/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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E5%B8%82%E5%A0%B4%E6%98%8E%E9%A1%AF%E8%A2%AB%E4%BE%B5%E8%9D%95\" >\u5e02\u5834\u660e\u986f\u88ab\u4fb5\u8755<\/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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%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-6\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99\" >\u4fe1\u7528\u5361\u516c\u53f8\u7684\u4e3b\u8981\u696d\u52d9<\/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\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E7%AB%B6%E7%88%AD%E5%8A%9B%E6%89%80%E5%9C%A8\" >\u4fe1\u7528\u5361\u516c\u53f8\u7684\u7af6\u722d\u529b\u6240\u5728<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%e5%85%a9%e5%a4%a7%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%85%ac%e5%8f%b8%e7%9a%84%e8%ad%b7%e5%9f%8e%e6%b2%b3%e9%ac%86%e5%8b%95%e4%ba%86%e5%97%8e%ef%bc%9f\/#%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=\"%E5%A8%81%E5%A3%AB%E5%92%8C%E8%90%AC%E4%BA%8B%E9%81%94%E7%84%A1%E6%89%80%E4%B8%8D%E5%9C%A8\"><\/span>\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u7121\u6240\u4e0d\u5728<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u662f\u4fe1\u7528\u5361\u7db2\u8def\u5546\uff0c\u672c\u8eab\u4e0d\u767c\u884c\u4fe1\u7528\u5361\u3002\u95dc\u65bc\u4ed6\u5011\u7684\u4e0d\u540c\uff0c\u5efa\u8b70\u60a8\u53ef\u4ee5\u53c3\u8003\u6211\u7684\u53e6\u4e00\u7bc7\u90e8\u843d\u683c\u6587\u7ae0\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/02\/11\/%e5%a8%81%e5%a3%ab%ef%bc%88visa%ef%bc%89%e5%92%8c%e8%90%ac%e5%a3%ab%e9%81%94%ef%bc%88mastercard%ef%bc%89%e6%9c%89%e4%bb%80%e9%ba%bc%e4%b8%8d%e5%90%8c%ef%bc%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\uff08Visa\uff09\u548c\u842c\u4e8b\u9054\uff08Mastercard\uff09\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1f<\/a>\u300b\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%82%BA%E4%BB%80%E9%BA%BC%E6%B6%88%E8%B2%BB%E8%80%85%E9%82%84%E5%9C%A8%E4%BD%BF%E7%94%A8%E4%BF%A1%E7%94%A8%E5%8D%A1%EF%BC%9F\"><\/span><strong>\u70ba\u4ec0\u9ebc\u6d88\u8cbb\u8005\u9084\u5728\u4f7f\u7528\u4fe1\u7528\u5361\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u96fb\u5546\u7684\u8208\u8d77\uff0c\u96d6\u7136\u7dda\u4e0a\u652f\u4ed8\u65b9\u5f0f\u8b8a\u591a\u4e86\uff0c\u958b\u59cb\u6436\u4f54\u90e8\u4efd\u4fe1\u7528\u5361\u696d\u8005\u539f\u672c\u7684\u652f\u4ed8\u5e02\u5834\uff0c\u4f46\u9084\u672a\u5230\u5927\u5e45\u5f31\u5316\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u5a01\u58eb\uff08Visa\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aV\uff09\u548c\u842c\u4e8b\u9054\uff08Mastercard\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aMA\uff09\u5bb0\u5236\u529b\u7684\u5730\u6b65\uff0c\u56e0\u70ba\u8a31\u591a\u4eba\u9084\u662f\u7528\u4fe1\u7528\u5361\u4e0a\u7db2\u9032\u884c\u63a1\u8cfc\u3002\u4ee5\u7dda\u4e0b\u5be6\u9ad4\u5e97\u9762\u4f86\u8aaa\uff0c\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u4e00\u6a23\u9762\u81e8\u4f86\u81ea\u65b0\u578b\u91d1\u878d\u79d1\u6280\u696d\uff08Fintech\uff09\u548c\u860b\u679c\u652f\u4ed8\u53ca\u652f\u4ed8\u5bf6\u7b49\u79d1\u6280\u5de8\u64d8\u7684\u5f37\u5927\u7af6\u722d\uff0c\u9019\u4e9b\u90fd\u662f\u4e0d\u722d\u7684\u4e8b\u5be6\u3002\u6709\u8a31\u591a\u5e02\u8abf\u696d\u8005\u5c0d\u8001\u7f8e\u9084\u6b7b\u62b1\u8457\u4fe1\u7528\u5361\u5f88\u597d\u5947\uff0c\u7b54\u6848\u7adf\u662f\uff1a\u8a72\u6709\u7684\u529f\u80fd\u90fd\u6709\uff0c\u6211\u4e00\u76f4\u7528\u7684\u597d\u597d\u7684\uff0c\u5e79\u561b\u8981\u63db\u5462?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%87%91%E8%9E%8D%E7%A7%91%E6%8A%80%E6%A5%AD%E8%80%85%E6%90%B6%E8%B5%B0%E9%82%A3%E4%BA%9B%E5%B8%82%E5%A0%B4%EF%BC%9F\"><\/span><strong>\u91d1\u878d\u79d1\u6280\u696d\u8005\u6436\u8d70\u90a3\u4e9b\u5e02\u5834\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u65b0\u7684\u91d1\u878d\u79d1\u6280\u696d\u8005\u7576\u7136\u6703\u4fb5\u8755\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u65e2\u6709\u5e02\u5834\uff0c\u4f8b\u5982\u4ee5Affirm\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAFRM\uff09\u3001Klarna\u3001\u8c9d\u5bf6\uff08PayPal\uff0c\u7f8e\u80a1\u4ee3\u78bc\uff1aPYPL\uff09\u3001 \u548cAfterpay\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aAFTPY\uff0c\u6fb3\u80a1\u4ee3\u78bcAPT\uff0c\u5df2\u88abBlock\u4f75\u8cfc\uff09\u70ba\u4ee3\u8868\u7684BNPL\uff08\u5148\u6d88\u8cbb\u5f8c\u4ed8\u6b3e\uff09\u65b0\u5275\u696d\u8005\u5c31\u6436\u8d70\u4e86\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u4e0d\u5c11\u7684\u4fe1\u7528\u5361\u696d\u52d9\u3002\u56e0\u70ba\u50b3\u7d71\u7684\u4fe1\u7528\u5361\u767c\u5361\u9280\u884c\u5728\u5361\u50b5\u4e0a\u7684\u6838\u6e96\u9580\u6abb\u8f03\u9ad8\uff0c\u70baBNPL\u65b0\u5275\u696d\u8005\u63d0\u4f9b\u4e86\u5b58\u5728\u548c\u6210\u9577\u7684\u6c83\u571f\u3002\u4f46\u5225\u5fd8\u4e86\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u4e5f\u4e0d\u6703\u5750\u4ee5\u5f85\u6583\uff0c\u4ed6\u5011\u4e5f\u6b63\u96a8\u8457\u6642\u4ee3\u7684\u6f14\u8b8a\uff0c\u4e00\u518d\u958b\u767c\u51fa\u65b0\u7684\u5e02\u5834\uff0c\u4e26\u63a8\u51fa\u65b0\u7684\u670d\u52d9\u3002\u4f46\u662f\u8981\u5c0d\u4fe1\u7528\u5361\u7522\u751f\u5be6\u8cea\u6027\u5f71\u97ff\uff0c\u9084\u5f97\u9700\u8981\u5927\u5e45\u589e\u52a0 BNPL \u7684\u63a1\u7528\u898f\u6a21\u624d\u884c\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u7d71\u8a0880%\u4f7f\u7528BNPL\u7684\u6d88\u8cbb\u8005\u9084\u662f\u5f97\u63a1\u7528\u4fe1\u7528\u5361\u516c\u53f8\u7684Debit\u5361\u4f86\u4ed8\u5e33\u3002\u70ba\u4e86\u53cd\u64caBNPL\uff0cVisa\u4e5f\u958b\u767c\u4e86POS\u81e8\u6ac3\u548c\u552e\u5f8c\u4ed8\u6b3e\u7684\u985e\u4f3c\u9078\u9805\u529f\u80fd\uff0c\u7a31\u4e4b\u70baVisa Installments Solution\u3002<\/p>\n\n\n\n<p>\u6301\u5e73\u800c\u8ad6\uff0c\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u6240\u6709\u696d\u52d9\uff08\u8a73\u898b\u4e0b\u4e00\u500b\u5c0f\u7bc0\uff09\u90fd\u53d7\u5230\u91d1\u878d\u65b0\u5275\u696d\u8005\u7684\u5f37\u529b\u6311\u6230\u3002\u91d1\u878d\u65b0\u5275\u696d\u8005\u4e3b\u8981\u6253\u64ca\u7684\u91cd\u9ede\u5728\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u9ad8\u984d\u6536\u8cbb\u3001\u6d88\u8cbb\u8005\u5c0d\u66f4\u5feb\u8f49\u5e33\u901f\u5ea6\u7684\u6e34\u671b\u3001\u4ee5\u53ca\u66f4\u591a\u5143\u670d\u52d9\u7684\u8981\u6c42\uff1b\u9019\u4e9b\u78ba\u5be6\u662f\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u76ee\u524d\u6240\u7121\u6cd5\u63d0\u4f9b\u7684\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u4ee5\u8c9d\u5bf6\uff08PayPal\uff09\u548cBlock\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aXYZ\uff09\u70ba\u4ee3\u8868\u7684\u91d1\u878d\u65b0\u5275\u696d\u8005\u5e02\u503c\u53ef\u4ee5\u4e00\u518d\u5275\u65b0\u9ad8\u7684\u539f\u56e0\u3002<\/p>\n\n\n\n<p>\u95dc\u65bcBNPL\uff08\u5148\u6d88\u8cbb\u5f8c\u4ed8\u6b3e\uff09\uff0c\u5efa\u8b70\u60a8\u53ef\u4ee5\u53c3\u8003\u6211\u7684\u53e6\u4e00\u7bc7\u90e8\u843d\u683c\u6587\u7ae0\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/09\/16\/%e7%9b%ae%e5%89%8d%e6%9c%80%e7%81%ab%e7%b4%85%e7%9a%84%e6%b6%88%e8%b2%bb%e4%bf%a1%e8%b2%b8%e6%96%b9%e5%bc%8fbnpl\/\">\u76ee\u524d\u6700\u706b\u7d05\u7684\u6d88\u8cbb\u4fe1\u8cb8\u65b9\u5f0fBNPL<\/a>\u300b\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B8%82%E5%A0%B4%E6%98%8E%E9%A1%AF%E8%A2%AB%E4%BE%B5%E8%9D%95\"><\/span><strong>\u5e02\u5834\u660e\u986f\u88ab\u4fb5\u8755<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0d\u8ad6\u524d\u9762\u6211\u5011\u5982\u4f55\u8a0e\u8ad6\uff0c\u4f46\u662f\u6578\u5b57\u548c\u8da8\u52e2\u6703\u8aaa\u8a71\uff0c\u5927\u5bb6\u53ea\u8981\u770b\u52302020\u75ab\u60c5\u90a3\u4e00\u5e74\uff0c\u5169\u5927\u4fe1\u7528\u5361\u5546\u7684\u71df\u6536\u6389\u4e86\u591a\u5c11\u5c31\u8aaa\u660e\u4e00\u5207\u3002\u70ba\u4ec0\u9ebc\u9019\u9ebc\u8aaa\u5462\uff1f\u56e0\u70ba\u4fe1\u7528\u5361\u4e3b\u8981\u7528\u5728\u9762\u5c0d\u9762\u7684\u5546\u5bb6\u4ea4\u6613\uff0c\u75ab\u60c5\u4f7f\u5927\u591a\u6578\u4eba\u5c01\u57ce\u5728\u5bb6\u4e0d\u6562\u51fa\u9580\uff0c\u5927\u90e8\u4efd\u6d88\u8cbb\u90fd\u8f49\u5f80\u7dda\u4e0a\u548c\u96fb\u5546\u6216\u5916\u8ce3\u3002\u554f\u984c\u5c31\u4f86\u4e86\uff0c\u4fe1\u7528\u5361\u5728\u7dda\u4e0a\u652f\u4ed8\u4e26\u6c92\u6709\u512a\u52e2\uff0c\u9019\u4e5f\u662f\u70ba\u4f55\u5373\u4f7f\u7d93\u6fdf\u6210\u9577\uff0c\u652f\u4ed8\u4ea4\u6613\u7684\u9905\u8b8a\u5927\uff0c\u4f46\u65b0\u958b\u767c\u51fa\u4f86\u7684\u5e02\u5834\u90fd\u6d41\u5165\u975e\u63a5\u89f8\u4ea4\u6613\uff08\u4e26\u4e0d\u662f\u6240\u6709\u4fe1\u7528\u5361\u90fd\u652f\u63f4\u975e\u63a5\u89f8\u4ea4\u6613\uff09\u548c\u7dda\u4e0a\u4ea4\u6613\u9019\u4e9b\u91d1\u878d\u79d1\u6280\u696d\u8005\u5f37\u52e2\u4e14\u6709\u512a\u52e2\u7684\u652f\u4ed8\u9818\u57df\u3002\u5373\u4f7f\u904e\u4e86\u4e00\u5e74\uff0c\u73fe\u57282021\u5e74\uff0c\u5169\u5bb6\u4fe1\u7528\u5361\u5546\u7684\u71df\u6536\u53ea\u662f\u6062\u5fa9\u5230\u75ab\u524d\u6c34\u6e96\uff0c\u4f46\u5f88\u660e\u986f\u5730\u4e26\u6c92\u6709\u50cf\u91d1\u878d\u65b0\u5275\u696d\u8005\u4e00\u6a23\u5927\u5e45\u6210\u9577\uff0c\u9019\u662f\u5f88\u5927\u7684\u8b66\u8a0a\u3002<\/p>\n\n\n\n<p>\u9084\u6709BNPL\u5148\u4eab\u53d7\u5f8c\u4ed8\u6b3e\u7684\u4fe1\u7528\u501f\u6b3e\u65b9\u5f0f\u5927\u53d7\u65b0\u4e00\u4ee3\u5e74\u8f15\u4eba\u6b61\u8fce\uff0c\u800c\u4e14\u7533\u8acb\u7c21\u55ae\uff0c\u5e7e\u4e4e\u6c92\u6709\u9580\u6abb\u7684\u9650\u5236\uff0c\u514d\u53bb\u4fe1\u7528\u5361\u7533\u8acb\u7684\u4e00\u5806\u9650\u5236\u548c\u7533\u8acb\u5be9\u67e5\u548c\u6642\u9593\u3002\u9019\u4f7f\u5f97\u8a31\u591a\u65b0\u7684\u652f\u4ed8\u5e02\u5834\u6d41\u5165BNPL\u696d\u8005\u7684\u53e3\u888b\u88e1\uff0c\u800c\u4e14\u4f7f\u7528BNPL\u7684\u4f7f\u7528\u8005\u5f88\u591a\u90fd\u6703\u7528\u65bc\u8f03\u5927\u984d\u7684\u5546\u54c1\u652f\u4ed8\uff08\u56e0\u70ba\u8cb7\u4e0d\u8d77\uff0c\u624d\u9700\u8981\u7533\u8acbBNPL\uff09\uff0c\u4f7f\u5f97\u60c5\u6cc1\u66f4\u5f62\u60e1\u5316\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><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>\u4e0b\u5716\u88e1\u9762\u6700\u4e0a\u65b9\u7684\u7d05\u8272\u7dda\u689d\u662fBlock\uff08\u7f8e\u80a1\u4ee3\u78bc\uff1aXYZ\uff09\u516c\u53f8\uff0c\u4e2d\u9593\u7da0\u8272\u7dda\u689d\u662f\u8c9d\u5bf6\uff08PayPal\uff09\u516c\u53f8\uff0c\u6700\u4e0b\u65b9\u5169\u689d\u7dda\u5247\u662f\u5a01\u58eb\u548c\u842c\u4e8b\u9054\u516c\u53f8\uff0c\u57282020\u5e74\u81f32021\u5e745\u6708\u5e95\u7684\u80a1\u50f9\u8d70\u52e2\u5716\uff08\u4f86\u81ea\u5609\u4fe1\u7406\u8ca1\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"602\" height=\"327\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V_PYPL_SQ-1600x1200-3.png\" alt=\"\" class=\"wp-image-925\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V_PYPL_SQ-1600x1200-3.png 602w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V_PYPL_SQ-1600x1200-3-300x163.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\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E4%B8%BB%E8%A6%81%E6%A5%AD%E5%8B%99\"><\/span><strong>\u4fe1\u7528\u5361\u516c\u53f8\u7684\u4e3b\u8981\u696d\u52d9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u5011\u4f86\u770b\u4e00\u4e0b\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u5e7e\u5927\u4e3b\u8981\u696d\u52d9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5883\u5167\u670d\u52d9\uff1a\u4e5f\u5c31\u662f\u5883\u5167\u7684\u767c\u5361\u670d\u52d9\uff0c\u662f\u5169\u8005\u50b3\u7d71\u4e0a\u4e3b\u8981\u7684\u71df\u6536\u4f86\u6e90\uff0c\u4e5f\u662f\u4e00\u822c\u4eba\u773c\u4e2d\u8f03\u719f\u77e5\u7684\u4fe1\u7528\u5361\u516c\u53f8\u7684\u670d\u52d9\u3002<\/li>\n\n\n\n<li>\u4ea4\u6613\u8655\u7406\uff1a\u9032\u884c\u652f\u4ed8\u548c\u91d1\u878d\u4ea4\u6613\u7684\u8655\u7406\u548c\u6e05\u7b97\uff0c\u4e5f\u5c31\u662f\u6240\u8b02\u7684\u5f8c\u53f0\u4f5c\u696d\u670d\u52d9\uff1b\u4ef0\u8cf4\u7684\u662f\u5169\u5927\u516c\u53f8\u5168\u7403\u7121\u6240\u4e0d\u5728\u7684\u91d1\u878d\u7db2\u8def\u548c\u9f90\u5927\u7684\u8cc7\u6599\u8655\u7406\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u8de8\u5883\u670d\u52d9\uff1a\u9019\u90e8\u4efd\u662f\u71df\u6536\u76f8\u5c0d\u8f03\u5c0f\uff0c\u4f46\u662f\u5229\u6f64\u6700\u9ad8\u7684\u90e8\u4efd\uff08\u5c0d\u842c\u4e8b\u9054\u4f86\u8aaa\uff0c\u4f54\u6bd4\u66f4\u9ad8\uff0c\u4e5f\u662f\u842c\u4e8b\u9054\u7684\u5f37\u9805\uff09\u3002<\/li>\n\n\n\n<li>\u5176\u5b83\u670d\u52d9\uff1a\u9019\u662f\u5169\u5927\u516c\u53f8\u8fd1\u5e74\u4f86\u6025\u6b32\u64f4\u5c55\u7684\u65b0\u696d\u52d9\uff0c\u5305\u62ec\u9632\u99ed\u3001\u53cd\u8a50\u9a19\u3001\u53cd\u6d17\u9322\u3001\u76e3\u7ba1\u5408\u898f\u3001\u4eba\u5de5\u667a\u6167\u3001\u751f\u7269\u652f\u4ed8\uff08Biometric Payment\uff09\u3001\u52a0\u5bc6\u8ca8\u5e63\u7b49\u5404\u9805\u5275\u65b0\u7684\u696d\u52d9\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u63a5\u8457\u6211\u5011\u4f86\u770b\u4e00\u4e0b2020\u5e74\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u4e3b\u8981\u696d\u52d9\u7684\u71df\u6536\u548c\u5e74\u6210\u9577\u7387\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td>\u5883\u5167\u670d\u52d9<\/td><td>\u4ea4\u6613\u8655\u7406<\/td><td>\u8de8\u5883\u670d\u52d9<\/td><td>\u5176\u5b83<\/td><\/tr><tr><td>\u5a01\u58eb\uff08V\uff09<\/td><td>98.04\u5104\u7f8e\u91d1(+1%)<\/td><td>109.75\u5104\u7f8e\u91d1(+6%)<\/td><td>62.99\u5104\u7f8e\u91d1(-19)%<\/td><td>14.32\u5104\u7f8e\u91d1(+9%)<\/td><\/tr><tr><td>\u842c\u4e8b\u9054\uff08MA\uff09<\/td><td>66.56\u5104\u7f8e\u91d1(-2)%<\/td><td>87.31\u5104\u7f8e\u91d1(+3%)<\/td><td>35.12\u5104\u7f8e\u91d1(-37)%<\/td><td>47.17\u5104\u7f8e\u91d1(+14%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5f9e\u4e0a\u9762\u7684\u8868\u683c\u53ef\u4ee5\u770b\u51fa\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u57282020\u5e74\uff0c\u56e0\u5168\u7403\u65b0\u51a0\u80ba\u708e\u75ab\u60c5\uff0c\u696d\u52d9\u53d7\u5275\u6975\u6df1\u3002\u5c24\u5176\u662f\u5f88\u5c11\u4eba\u51fa\u570b\uff0c\u9020\u6210\u8de8\u5883\u670d\u52d9\u71df\u6536\u5927\u5e45\u53d7\u5275\uff08\u5883\u5167\u670d\u52d9\u4e5f\u96e3\u9003\u53d7\u5275\uff0c\u4e3b\u8981\u662f\u5c01\u57ce\u7121\u6cd5\u51fa\u9580\uff0c\u9020\u6210\u5be6\u9ad4\u5546\u5bb6\u7684\u4ea4\u6613\u840e\u7e2e\uff0c\u4f46\u9019\u90e8\u4efd\u4e5f\u53ea\u662f\u505c\u6b62\u6210\u9577\u800c\u5df1\uff09\uff0c\u842c\u4e8b\u9054\u5c24\u5176\u660e\u986f\u3002\u9019\u4e9b\u90fd\u76f4\u63a5\u53cd\u6620\u5728\u904e\u53bb\u4e00\u5e74\u5169\u8005\u7684\u80a1\u50f9\u4e0a\u9762\uff1b\u904e\u53bb\u4e00\u5e74\u662f\u5169\u5bb6\u4fe1\u7528\u5361\u516c\u53f8\u80a1\u50f9\u81ea\u4e0a\u5e02\u4ee5\u4f86\u8868\u73fe\u6700\u5dee\u7684\u4e00\u5e74\uff0c\u80a1\u50f9\u5e7e\u4e4e\u539f\u5730\u4e0d\u52d5\uff1b\u4f46\u53d7\u60e0\u65bc\u6295\u8cc7\u4eba\u666e\u904d\u8a8d\u70ba\u5169\u5bb6\u4fe1\u7528\u5361\u516c\u53f8\u6703\u53d7\u60e0\u65bc\u75ab\u82d7\u6ce8\u5c04\u548c\u75ab\u5f8c\u555f\u5c01\uff0c\u80a1\u50f92021\u5e74\u4ee5\u4f86\u5df2\u7d93\u660e\u986f\u5927\u5e45\u5730\u53cd\u5f48\u3002<\/p>\n\n\n\n<p>\u5716\u4e2d\u7d2b\u8272\u7dda\u689d\u662f\u5a01\u58eb\uff08V\uff09\u516c\u53f8\uff0c\u7da0\u8272\u7dda\u689d\u662f\u842c\u4e8b\u9054\uff08MA\uff09\u516c\u53f8\u57282020\u5e74\u81f32021\u5e745\u6708\u5e95\u7684\u80a1\u50f9\u8d70\u52e2\u5716<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"328\" data-id=\"909\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V-1600x1200-1.png\" alt=\"\" class=\"wp-image-909\" srcset=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V-1600x1200-1.png 600w, https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2021\/06\/2020_May21_MA_V-1600x1200-1-300x164.png 300w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E7%AB%B6%E7%88%AD%E5%8A%9B%E6%89%80%E5%9C%A8\"><\/span><strong>\u4fe1\u7528\u5361\u516c\u53f8\u7684\u7af6\u722d\u529b\u6240\u5728<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u6211\u5728<a href=\"https:\/\/www.books.com.tw\/products\/0010889106?sloc=main\" target=\"_blank\" rel=\"noopener\">\u300a\u8d85\u7d1a\u6210\u9577\u80a1\u6295\u8cc7\u6cd5\u5247\u300b<\/a>\u4e00\u66f8\u76842-3\u7bc0\u88e1\u9762\u5c31\u5f88\u8a73\u76e1\u5730\u4ecb\u7d39\u904e\u9019\u5169\u5bb6\u4fe1\u7528\u5361\u767c\u5361\u7db2\u8def\u5546\uff0c\u5169\u8005\u7684\u78ba\u64c1\u6709\u5f37\u5927\u7684\u8b77\u57ce\u6cb3\u3002\u9019\u4e5f\u662f\u70ba\u4ec0\u9ebc\u9019\u5169\u5bb6\u516c\u53f8\u70ba\u4f55\u53ef\u4ee5\u64c1\u6709\u6240\u6709\u4e0a\u5e02\u516c\u53f8\u6700\u9ad8\u7684\u6bdb\u5229\uff0c\u71df\u696d\u5229\u7387\uff0c\u548c\u6de8\u5229\u7387\u7684\u539f\u56e0\uff08\u9019\u4e00\u9ede\u4ee4\u6240\u6709\u4e0a\u5e02\u4f01\u696d\u90fd\u5f88\u6b61\u7fa8\u6155\uff09\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u5c0f\u7684\u652f\u4ed8\u5546\u3001\u50b3\u7d71\u91d1\u878d\u696d\u8005\u3001\u91d1\u878d\u79d1\u6280\u696d\u8005\u81f3\u4eca\u9084\u662f\u90fd\u5f97\u4ef0\u8cf4\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7576\u4ed6\u5011\u7684\u5f8c\u53f0\uff0c\u4e5f\u5c31\u662f\u8655\u7406\u6e05\u7b97\u7b49\u91d1\u6d41\u670d\u52d9\u3002\u5a01\u58eb\u516c\u53f8\u66fe\u7d93\u516c\u4f48\uff0c\u6709\u80fd\u529b\u6bcf\u79d2\u540c\u6642\u8655\u74062\u842c4,000\u7b46\u4f86\u81ea\u5168\u7403\u5404\u5730\u7684\u4ea4\u6613\uff1b\u76f8\u8f03\u4e4b\u4e0b\uff0c\u8fd1\u5e74\u7206\u7d05\u7684\u6bd4\u7279\u5e63\u4e00\u79d2\u5167\u53ea\u80fd\u8655\u74067\u7b46\u4ea4\u6613\u3002\u85c9\u7531\u9019\u500b\u4f8b\u5b50\u4f86\u8aaa\u660e\uff0c\u5927\u5bb6\u5c31\u53ef\u4ee5\u77e5\u9053\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u80fd\u8010\u4e86\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"172\" height=\"96\" src=\"https:\/\/www.granitefirm.com\/blog\/wp-content\/uploads\/2022\/09\/image-of-money-1600x1200-1.jpg\" alt=\"\u4fe1\u7528\u5361\" class=\"wp-image-25287\"\/><figcaption class=\"wp-element-caption\">credit: image of money<\/figcaption><\/figure>\n\n\n\n<p>\u4e0d\u8ad6\u65b0\u7684\u91d1\u878d\u79d1\u6280\u696d\u8005\u63d0\u4f9b\u54ea\u4e00\u985e\u5275\u65b0\u7684\u670d\u52d9\uff0c\u6216\u518d\u600e\u9ebc\u5730\u7121\u73fe\u91d1\u5316\uff1b\u5927\u5bb6\u90fd\u5fd8\u4e86\u4e00\u4ef6\u4e8b\uff0c\u4eba\u5011\u7d42\u7a76\u9084\u662f\u5f97\u628a\u9322\u63d0\u9818\u51fa\u4f86\u3002\u7b54\u6848\u5c31\u518d\u6e05\u695a\u4e0d\u904e\u4e86\uff0c\u6240\u6709\u7684\u91d1\u878d\u79d1\u6280\u696d\u8005\u7684\u4f7f\u7528\u8005\u90fd\u6703\u5411\u696d\u8005\u8981\u6c42\u63d0\u4f9b\u63d0\u6b3e\u5361\uff08\u5728\u7f8e\u570b\u53ebDebit\u5361\uff09\u3002\u800c\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u5247\u662f\u4e3b\u8981\u7684\u63d0\u6b3e\u5361\u4f9b\u61c9\u696d\u8005\uff0c\u800c\u4e14\u53ef\u4ee5\u505a\u5230\u5168\u7403\u8de8\u884c\u7576\u5730\u73fe\u91d1\u7684\u63d0\u9818\u3002\u90a3\u60a8\u8aaa\u91d1\u878d\u79d1\u6280\u696d\u8005\u662f\u8981\u600e\u9ebc\u64fa\u812b\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u5462\uff1f<\/p>\n\n\n\n<p>\u67d0\u65e5\u5728\u5927\u8ce3\u5834\u4e00\u5806\u4eba\u6392\u968a\u7b49\u8457\u7d50\u5e33\uff0c\u4f46\u7d50\u5e33\u6ac3\u53f0\u6beb\u7121\u52d5\u975c\uff0c\u6240\u6709\u4eba\u7ad9\u5728\u90a3\u5152\u4e0d\u8010\u5730\u6ed1\u624b\u6a5f\u3002\u539f\u4f86\u5237\u5361\u6a5f\u7db2\u8def\u7576\u6a5f\u65b7\u7dda\uff0c\u4f46\u660e\u660e\u6211\u624b\u6a5f\u7684\u7db2\u8def\u662f\u901a\u7684\u554a\uff01\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u64c1\u6709\u7684\u662f\u81ea\u5df1\u7684\u7db2\u8def\u3001\u91d1\u6d41\u3001\u548c\u6e05\u7b97\u7cfb\u7d71 \uff0c\u548c\u4f60\u6211\u6240\u7528\u7684\u7db2\u969b\u7db2\u8def\u4e0d\u540c\u3002\u9019\u624d\u662f\u5169\u8005\u80fd\u548c\u5176\u5b83\u50b3\u7d71\u91d1\u878d\u696d\u6216\u662f\u65b0\u5275\u91d1\u878d\u696d\u8005\u7af6\u722d\u7684\u4e3b\u8981\u672c\u9322\u4e4b\u4e00\uff08\u64c1\u6709\u5c6c\u65bc\u81ea\u5df1\u7684\u7db2\u8def\u3001\u91d1\u6d41\u3001\u548c\u6e05\u7b97\u7cfb\u7d71\uff1b\u5404\u4f4d\u628a\u4ed6\u5011\u60f3\u6210\u662f\u60a8\u532f\u9322\u51fa\u570b\u6642\uff0c\u9280\u884c\u696d\u8005\u4f7f\u7528\u7684<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E7%8E%AF%E7%90%83%E9%93%B6%E8%A1%8C%E9%87%91%E8%9E%8D%E7%94%B5%E4%BF%A1%E5%8D%8F%E4%BC%9A\" target=\"_blank\" rel=\"noreferrer noopener\">SWIFT\u7cfb\u7d71<\/a>\u5c31\u660e\u767d\u6211\u7684\u610f\u601d\u4e86\uff09\u3002\u7af6\u722d\u8005\u60f3\u8981\u5efa\u69cb\u5c6c\u65bc\u81ea\u5df1\u5c08\u5c6c\u3001\u5982\u6b64\u7dbf\u5bc6\u3001\u904d\u4f48\u4e16\u754c\u7684\u7db2\u8def\u7cfb\u7d71\uff0c\u800c\u4e14\u9084\u8981\u7372\u5f97\u8de8\u570b\u6240\u6709\u5546\u5bb6\u7684\u4e00\u81f4\u63a5\u53d7\uff08\u60a8\u61c9\u8a72\u6c92\u807d\u904e\u6709\u5546\u5bb6\u7684\u5237\u5361\u6a5f\u4e0d\u63a5\u53d7\u5169\u5927\u4fe1\u7528\u5361\u516c\u53f8\u7684\u5427\uff09\uff1b\u56e0\u70ba\u9032\u5165\u9580\u6abb\u5be6\u5728\u592a\u9ad8\u4e86\u3002<\/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\/2023\/11\/24\/%E5%A8%81%E5%A3%AB%E6%88%96%E8%90%AC%E5%A3%AB%E9%81%94%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B6%B2%E8%B7%AF%E7%9A%84%E5%B9%BE%E5%A4%A7%E5%8F%AF%E8%83%BD%E5%A8%81%E8%84%85\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\u548c\u842c\u58eb\u9054\u4fe1\u7528\u5361\u7db2\u8def\u7684\u5e7e\u5927\u53ef\u80fd\u5a01\u8105<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/05\/15\/%e5%85%a8%e4%b8%96%e7%95%8c%e8%bc%83%e7%9f%a5%e5%90%8d%e7%9a%84%e5%af%a1%e4%bd%94%e4%bc%81%e6%a5%ad\/\">\u5168\u4e16\u754c\u8f03\u77e5\u540d\u7684\u5be1\u4f54\u4f01\u696d<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/07\/12\/%e7%be%8e%e5%9c%8b%e9%81%8b%e9%80%9a%ef%bc%8c%e5%b7%b4%e8%8f%b2%e7%89%b9%e7%94%9f%e6%b6%af%e6%9c%80%e4%bd%b3%e7%9a%84%e6%8a%95%e8%b3%87%e4%b9%8b%e4%b8%80\/\">\u7f8e\u570b\u904b\u901a\uff0c\u5df4\u83f2\u7279\u751f\u6daf\u6700\u4f73\u7684\u6295\u8cc7\u4e4b\u4e00<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/07\/30\/%e7%be%8e%e5%9c%8b%e9%81%8b%e9%80%9a%e5%92%8c%e5%a8%81%e5%a3%ab%e6%88%96%e8%90%ac%e5%a3%ab%e9%81%94%e4%bf%a1%e7%94%a8%e5%8d%a1%e6%9c%89%e4%bd%95%e4%b8%8d%e5%90%8c%ef%bc%9f\/\">\u7f8e\u570b\u904b\u901a\u548c\u5a01\u58eb\u6216\u842c\u58eb\u9054\u4fe1\u7528\u5361\u6709\u4f55\u4e0d\u540c<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/02\/11\/%e5%a8%81%e5%a3%ab%ef%bc%88visa%ef%bc%89%e5%92%8c%e8%90%ac%e5%a3%ab%e9%81%94%ef%bc%88mastercard%ef%bc%89%e6%9c%89%e4%bb%80%e9%ba%bc%e4%b8%8d%e5%90%8c%ef%bc%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u58eb\uff08Visa\uff09\u548c\u842c\u58eb\u9054\uff08Mastercard\uff09\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2021\/06\/04\/%E5%85%A9%E5%A4%A7%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%85%AC%E5%8F%B8%E7%9A%84%E8%AD%B7%E5%9F%8E%E6%B2%B3%E9%AC%86%E5%8B%95%E4%BA%86%E5%97%8E%EF%BC%9F\/\" target=\"_blank\" rel=\"noreferrer noopener\">2\u5927\u4fe1\u7528\u5361\u7db2\u8def\u7684\u8b77\u57ce\u6cb3\u9b06\u52d5\u4e86\u55ce\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/09\/08\/%E8%81%AF%E5%90%88%E5%A4%AA%E5%B9%B3%E6%B4%8B%E9%90%B5%E8%B7%AF\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u806f\u5408\u592a\u5e73\u6d0b\u9435\u8def\uff08Union Pacific\uff09\uff0c\u96d9\u5be1\u4f54\u58df\u65b7\u4f01\u696d\u7684\u4ee3\u8868<\/a>\u300b<\/li>\n\n\n\n<li>\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<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/11\/22\/%e6%8a%bc%e6%b3%a8%e4%bd%94%e5%84%aa%e5%8b%a2%e8%80%85%ef%bc%8c%e4%b8%8d%e8%a6%81%e9%a0%90%e6%b8%ac\/\">\u62bc\u6ce8\u4f54\u512a\u52e2\u8005\uff0c\u4e0d\u8981\u9810\u6e2c<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/05\/15\/%e5%85%a8%e4%b8%96%e7%95%8c%e8%bc%83%e7%9f%a5%e5%90%8d%e7%9a%84%e5%af%a1%e4%bd%94%e4%bc%81%e6%a5%ad\/\">\u5168\u4e16\u754c\u8f03\u77e5\u540d\u7684\u5be1\u4f54\u4f01\u696d<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2022\/09\/13\/%e9%80%99%e4%b8%96%e4%b8%8a%e7%9a%84%e7%a2%ba%e6%9c%89%e5%a3%9f%e6%96%b7%e7%9a%84%e4%bc%81%e6%a5%ad%e5%ad%98%e5%9c%a8\/\">\u9019\u4e16\u4e0a\u7684\u78ba\u6709\u58df\u65b7\u7684\u4f01\u696d\u5b58\u5728<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/03\/08\/%e7%9c%9f%e5%af%a6%e4%b8%96%e7%95%8c%e7%9a%84%e5%a3%9f%e6%96%b7%e6%88%96%e5%af%a1%e4%bd%94%e6%98%af%e5%a6%82%e4%bd%95%e9%81%8b%e4%bd%9c%e7%9a%84\/\">\u771f\u5be6\u4e16\u754c\u7684\u58df\u65b7\u6216\u5be1\u4f54\u662f\u5982\u4f55\u904b\u4f5c\u7684\uff1f<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2023\/02\/23\/%e5%85%b7%e6%9c%89%e8%ad%b7%e5%9f%8e%e6%b2%b3%e7%89%b9%e5%be%b5%e7%9a%84%e7%94%a2%e6%a5%ad%e5%92%8c%e7%94%a2%e6%a5%ad%e8%b5%b0%e4%b8%8b%e5%9d%a1%e7%9a%84%e4%be%8b%e5%ad%90\/\">\u5177\u6709\u8b77\u57ce\u6cb3\u7279\u5fb5\u7684\u7522\u696d\u548c\u7522\u696d\u8d70\u4e0b\u5761\u7684\u4f8b\u5b50<\/a>\u300b<\/li>\n\n\n\n<li>\u300a<a href=\"https:\/\/www.granitefirm.com\/blog\/blog\/2025\/01\/29\/%E5%A6%82%E4%BD%95%E7%94%B1%E4%BC%81%E6%A5%AD%E6%96%87%E5%8C%96%E6%89%BE%E5%87%BA%E5%A5%BD%E5%85%AC%E5%8F%B8%EF%BC%8C%E8%82%A1%E5%B8%82%E9%81%8E%E7%86%B1%E6%99%82%E7%9A%84%E4%BD%9C%E6%B3%95\/\"><\/a><a 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