{"id":2391,"date":"2024-05-07T17:13:51","date_gmt":"2024-05-07T09:13:51","guid":{"rendered":"https:\/\/www.alphaloan.co\/blog\/?p=2391"},"modified":"2025-06-16T15:03:34","modified_gmt":"2025-06-16T07:03:34","slug":"bnpl-introducrion","status":"publish","type":"post","link":"https:\/\/www.alphaloan.co\/blog\/2391\/bnpl-introducrion\/","title":{"rendered":"BNPL\u5148\u8cb7\u5f8c\u4ed8\u600e\u9ebc\u4f7f\u7528\uff1f\u98a8\u96aa\u9ad8\u55ce\uff1fBNPL\u5927\u88dc\u5e16"},"content":{"rendered":"\n

\u5927\u5bb6\u6709\u807d\u904eBNPL\u55ce\uff1fBNPL \u82f1\u6587\u53c8\u7a31\uff08Buy Now, Pay Later\uff09\uff0c\u4e5f\u7a31\u70ba\u5148\u8cb7\u5f8c\u4ed8\uff0c\u5f9e\u6587\u5b57\u89e3\u91cb\u4e0a\u4ee3\u8868\u73fe\u5728\u8cb7\u4f46\u5f97\u4ee5\u5ef6\u5f8c\u4ed8\u6b3e\uff0c\u4e4d\u807d\u4e4b\u4e0b\u611f\u89ba\u8ddf\u4fe1\u7528\u5361\u6709\u9ede\u50cf\uff0c\u4f46\u9019\u9805\u652f\u4ed8\u5de5\u5177\u4e0d\u9700\u8981\u64c1\u6709\u4fe1\u7528\u5361\u3002BNPL \u4e3b\u8981\u91dd\u5c0d\u5b78\u751f<\/a>\u6216\u662f\u4fe1\u7528\u5c0f\u767d<\/a>\u65cf\u7fa4\u63d0\u4f9b\u66f4\u591a\u5143\u7684\u8cfc\u7269\u652f\u4ed8\u65b9\u5f0f\uff0c\u4e0d\u904e\u9019\u4e5f\u5e36\u4f86\u4e00\u4e9b\u96b1\u6182\uff0c\u4f8b\u5982\u7528\u6236\u7684\u4fe1\u7528\u904e\u66dd\u98a8\u96aa\u6216\u662f\u511f\u9084\u80fd\u529b\u8861\u91cf\u7b49\u554f\u984c\u3002BNPL \u548c\u7121\u5361\u5206\u671f\u6709\u4e9b\u985e\u4f3c\uff0c\u53f0\u7063\u4e5f\u6709\u8a31\u591aBNPL\u53ca\u7121\u5361\u5206\u671f\u670d\u52d9\uff0c\u4f8b\u5982AFTEE\u548c\u9280\u89d2\u96f6\u5361<\/a>\uff0c\u672c\u6587\u5c07\u4ecb\u7d39BNPL\u662f\u4ec0\u9ebc\uff0c\u4e26\u6574\u7406\u5176\u8207\u4fe1\u7528\u5361\u3001\u7121\u5361\u5206\u671f\u7684\u5dee\u5225\u3002<\/p>\n\n\n\n

\u9650\u6642\u512a\u60e0\u4f4e\u5229\u4fe1\u8cb8\u65b9\u6848\u63a8\u85a6<\/th><\/tr>
 <\/td>

<\/div>
\"\"<\/figure>

<\/p>

\u6e23\u6253\u9280\u884c\u512a\u60e0\u4fe1\u8cb8<\/p><\/div><\/td>

\"\"\u4e2d\u570b\u4fe1\u8a17\u901a\u8def\u9650\u5b9a<\/p><\/td>

\"\"<\/p>\u53f0\u5317\u5bcc\u90a6\u901a\u8def\u512a\u60e0<\/td><\/tr>

\n

\u512a\u60e0\u5229\u7387<\/p>\n<\/td>

\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.8%\u8d77<\/p><\/td>

\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.99%\u8d77<\/p><\/td>

\u9996\u671f0.01%\u3001\u7b2c\u4e8c\u671f\u8d772.80%\u8d77<\/p><\/td><\/tr>

\n

\u6700\u9ad8\u984d\u5ea6<\/p>\n<\/td>

600\u842c<\/p><\/td>

800\u842c<\/p><\/td>

800\u842c<\/p><\/td><\/tr>

\n

\u624b\u7e8c\u8cbb<\/p>\n<\/td>

\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td>

3,000\u5143\u8d77<\/p><\/td>

\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td><\/tr>

\n

APR<\/p>\n<\/td>

2.59%\u8d77<\/p><\/td>

3.30%\u8d77<\/p><\/td>

2.71%\u8d77<\/p><\/td><\/tr>

\n

\u63a8\u85a6\u539f\u56e0<\/p>\n<\/td>

\u9996\u671f\u512a\u60e0\u5e74\u5229\u73870.01%
\u9650\u6642\u512a\u60e0\u5e33\u7ba1\u8cbbNT$ 0
\u5047\u65e5\u4e5f\u53ef\u64a5\u6b3e\uff0c\u96a8\u6642\u96a8\u5730\u6eff\u8db3\u8cc7\u91d1\u9700\u6c42<\/p><\/td>

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\u7b26\u5408\u689d\u4ef6\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e<\/p><\/td>

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\u4f7f\u7528\u8edf\u9ad4\u6191\u8b49\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e
\u6700\u5feb1\u5c0f\u6642\u6838\u8cb8 \u7dda\u4e0a\u7c3d\u7d04\u6700\u5feb10\u5206\u9418\u64a5\u6b3e<\/p><\/td><\/tr>

 <\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

BNPL\u5148\u8cb7\u5f8c\u4ed8\u662f\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n

BNPL \u5f9eBuy Now, Pay Later\u7e2e\u5beb\u800c\u4f86\uff0c\u662f\u4e00\u7a2e\u4e0d\u9700\u8981\u4fe1\u7528\u5361\u7684\u5206\u671f\u65b9\u5f0f\uff0c\u540c\u6642\u80fd\u5920\u8b93\u6d88\u8cbb\u8005\u5ef6\u5f8c\u652f\u4ed8\u6d88\u8cbb\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u6d88\u8cbb\u8005\u53ea\u8981\u5728\u7dda\u4e0a\u6216\u662f\u4e0b\u8f09APP\u4e26\u586b\u5beb\u8cc7\u6599\u5f8c\u5c31\u80fd\u555f\u7528\u9019\u9805\u670d\u52d9\uff0c\u63a5\u4e0b\u4f86\u53ea\u8981\u5728\u6d88\u8cbb\u7576\u4e0b\u5411 BNPL \u696d\u8005\u7533\u8acb\u8a72\u8cfc\u7269\u7684\u91d1\u984d\u5206\u671f\u5c31\u53ef\u4ee5\u8f15\u9b06\u4e0b\u55ae\u3002\u7531\u65bc\u5728\u4ed8\u6b3e\u904e\u7a0b\u4e2d\u4e0d\u9700\u4f7f\u7528\u4fe1\u7528\u5361\uff0c\u56e0\u6b64\u4e5f\u4e0d\u7528\u7d93\u904e\u4fe1\u7528\u5361\u696d\u8005\u7684\u4fe1\u7528\u5be9\u67e5\u6216\u5411\u806f\u5fb5\u4e2d\u5fc3\u8abf\u95b1\u7684\u4fe1\u7528\u5831\u544a\uff0c\u975e\u5e38\u9069\u5408\u91d1\u878d\u5c0f\u767d\u3001\u5b78\u751f\u6216\u662f\u81ea\u7531\u696d\u8005\u7b49\u6536\u5165\u8f03\u4e0d\u7a69\u5b9a\u7684\u65cf\u7fa4\u3002<\/p>\n\n\n\n

\u3010\u6a5f\u8eca\u8cb8\u6b3e\u61f6\u4eba\u5305|5\u5206\u9418\u641e\u61c2\u6a5f\u8eca\u501f\u6b3e\u689d\u4ef6.\u5229\u7387.\u984d\u5ea6&\u6ce8\u610f\u4e8b\u9805\u3011<\/a><\/pre>\n\n\n\n
BNPL\u7684\u5546\u696d\u6a21\u5f0f<\/h2>\n\n\n\n
BNPL \u8a3b\u518a\u7a0b\u5e8f\u975e\u5e38\u5bb9\u6613\u4e14\u5feb\u901f\uff0c\u76ee\u524d\u53f0\u7063\u5e02\u9762\u4e0a\u9664\u4e86\u6709\u570b\u5916\u696d\u8005\u5982AFTEE\u3001BeautyPay\u548cAtome\uff0c\u800c\u672c\u571f\u7684\u696d\u8005\u6709\u9280\u89d2\u96f6\u5361\u3002\u76ee\u524dBNPL\u670d\u52d9\u8a3b\u518a\u7684\u65b9\u5f0f\u6709\u4e9b\u50c5\u8981\u6c42\u63d0\u4f9b\u624b\u6a5f\u865f\u78bc\u5373\u53ef\u4f7f\u7528\uff0c\u53e6\u5916\u6709\u4e9b\u4ecd\u6703\u8981\u63d0\u4f9b\u8eab\u5206\u8b49\u3001\u5de5\u4f5c\u8b49\u660e\u53ca\u5e33\u6236\u5b58\u6b3e\u660e\u7d30\u3002<\/p>\n\n\n\n
\u7531\u65bc\u5404\u5bb6\u696d\u8005\u6703\u6709\u4e0d\u540c\u7684\u5be9\u6838\u8207\u984d\u5ea6\u8a08\u7b97\u65b9\u5f0f\uff0c\u56e0\u6b64\u91dd\u5c0d\u4e0d\u540c\u7528\u6236\u80fd\u5920\u7372\u5f97\u7684\u984d\u5ea6\u4e5f\u6703\u6709\u6240\u4e0d\u540c\u3002BNPL\u7684\u71df\u904b\u6a21\u5f0f\uff0c\u4e3b\u8981\u662fBNPL\u696d\u8005\u5148\u5c07\u5546\u54c1\u6b3e\u9805\u588a\u4ed8\u7d66\u5546\u5bb6\uff0c\u800c\u6d88\u8cbb\u8005\u5728\u62ff\u5230\u5546\u54c1\u5f8c\u5247\u8981\u5728\u8a2d\u5b9a\u7684\u671f\u9650\u5167\u5411\u696d\u8005\u511f\u9084\u8a72\u7b46\u588a\u4ed8\u6b3e\u3002\u7576\u6d88\u8cbb\u8005\u5728\u5546\u5bb6\u5e73\u53f0\u8cfc\u7269\u6642\uff0cBNPL \u696d\u8005\u5373\u6703\u5411\u5546\u5bb6\u6536\u53d6\u670d\u52d9\u8cbb\uff0c\u6bcf\u7b46\u4ea4\u6613\u624b\u7e8c\u8cbb\u7d04\u62bd 4%\uff5e9.5% \u4e0d\u7b49\u3002<\/p>\n\n\n\n
\ud83d\udd25\u624b\u6a5f\u8cb8\u6b3e\u63a8\u85a6\u65b9\u6848\uff1a\ud83c\udf89
\ud83d\udcf1\u624b\u6a5f\u8cb8\u5154<\/a>\uff1a\u6700\u9ad8\u53ef\u7533\u8acb 50,000 \u5143\uff0c\u5e73\u53f0\u8cbb1,400 \u5143\u8d77\uff0c\u6700\u5feb\u4e00\u5929\u5be9\u6838\u5b8c\u7562\u3001\u7576\u5929\u64a5\u6b3e\u3002<\/pre>\n\n\n\n
BNPL\u8ddf\u7121\u5361\u5206\u671f\u7684\u5dee\u7570\uff1f<\/h2>\n\n\n\n
\u5176\u5be6BNPL \u8207\u7121\u5361\u5206\u671f\u5f88\u76f8\u8fd1\u7684\uff0c\u90fd\u662f\u4ee5\u300c\u5148\u6d88\u8cbb\uff0c\u5f8c\u4ed8\u6b3e\u300d\u7684\u65b9\u5f0f\u4f86\u9032\u884c\uff0c\u800c\u5169\u500b\u76ee\u6a19\u5ba2\u7fa4\u90fd\u662f\u4ee5\u6c92\u6709\u4fe1\u7528\u5361\u7684\u6d88\u8cbb\u8005\uff0c\u5982\u5b78\u751f\u6216\u662f\u793e\u6703\u65b0\u9bae\u4eba\u3002\u4e0d\u904e\u5169\u500b\u5728\u7533\u8acb\u8cc7\u683c\u7684\u56b4\u8b39\u5ea6\u5c31\u4e0d\u540c\uff0c\u901a\u5e38\u7121\u5361\u5206\u671f\u696d\u8005\u5728\u5be9\u6838\u4e0a\u8f03BNPL\u56b4\u683c\uff0c\u591a\u6703\u8981\u6c42\u984d\u5916\u7684\u8ca1\u52d9\u8b49\u660e\u8cc7\u6599\u4f86\u4f50\u8b49\uff0c\u53e6\u5916\u4e5f\u9700\u8981\u4e8b\u5148\u7533\u8acb\u3001\u9810\u6838\u984d\u5ea6\u7b49\u3002\u4f7f\u7528\u7121\u5361\u5206\u671f\u7684\u6d88\u8cbb\u7576\u4e0b\u4fbf\u986f\u793a\u6bcf\u671f\u5c0d\u61c9\u7684\u61c9\u7e73\u5229\u606f\uff0c\u56e0\u70ba\u7121\u5361\u5206\u671f\u7b97\u662f\u7121\u64d4\u4fdd\u4fe1\u8cb8\u7684\u4e00\u7a2e\uff0c\u6240\u4ee5\u5206\u671f\u5229\u606f\u666e\u904d\u8f03BNPL\u9ad8\uff0c\u591a\u6578BNPL\u90fd\u662f\u5206\u671f0\u5229\u7387\u3002<\/p>\n\n\n\n
\u5118\u7ba1BNPL\u4e0d\u5411\u6d88\u8cbb\u8005\u984d\u5916\u6536\u53d6\u624b\u7e8c\u8cbb\u53ca\u5229\u606f\uff0c\u4f46\u4ecd\u6703\u900f\u904e\u9650\u5236\u6d88\u8cbb\u984d\u5ea6\u8207\u5206\u671f\u6578\u4f86\u964d\u4f4e\u98a8\u96aa\u4ee5\u53ca\u6536\u53d6\u9ad8\u5229\u7387\u7684\u6eef\u7d0d\u91d1\u8cbb\u7528\u3002\u53cd\u89c0\u7121\u5361\u5206\u671f\u96d6\u6709\u56fa\u5b9a\u5229\u606f\uff0c\u4f46\u671f\u6578\u53ca\u6d88\u8cbb\u984d\u5ea6\u4e0a\u7684\u5f48\u6027\u90fd\u6bd4 BNPL \u4f86\u7684\u9ad8\u3002\u76ee\u524d\u53f0\u7063\u6700\u65e9\u63a8\u51fa\u7684\u7121\u5361\u5206\u671f\u696d\u8005\u5373\u300c\u9280\u89d2\u96f6\u5361\u300d\uff0c\u4e3b\u8981\u5408\u4f5c\u96fb\u5546\u5e73\u53f0\u5305\u542bMomo\u8cfc\u7269\u7db2\u3001Yahoo!\u8cfc\u7269\u4e2d\u5fc3\u548c\u6771\u68ee\u8cfc\u7269\u7db2\u7b49\u3002<\/p>\n\n\n\n
BNPL\u548c\u4fe1\u7528\u5361\u7684\u5dee\u5225\u70ba\u4f55\uff1f<\/h2>\n\n\n\n
\u5169\u8005\u90fd\u80fd\u5920\u63d0\u4f9b\u5ef6\u5f8c\u4ed8\u6b3e\u7684\u670d\u52d9\uff0c\u4e0d\u904e\u9280\u884c\u5728\u63a8\u884c\u4fe1\u7528\u5361\u7684\u76ee\u6a19\u5ba2\u7fa4\u591a\u4ee5\u6709\u7a69\u5b9a\u6536\u5165\u4e14\u826f\u597d\u4fe1\u7528\u7d00\u9304\u7684\u6d88\u8cbb\u8005\uff0c\u56e0\u6b64\u7533\u8acb\u9580\u6abb\u76f8\u8f03BNPL\u4f86\u7684\u9ad8\u3002\u5118\u7ba1BNPL\u5728\u7533\u8fa6\u9650\u5236\u8f03\u5c11\uff0c\u4f46\u5728\u5206\u671f\u671f\u6578\u4e0a\uff0cBNPL\u7684\u9650\u5236\u76f8\u5c0d\u8f03\u591a\uff0c\u5982\u4e00\u822c\u53ea\u80fd\u5206\u6210\u4e09\u671f\uff0c\u4ee5\u53ca\u53ef\u9810\u652f\u4e0a\u9650\u91d1\u984d\u4e5f\u8f03\u4f4e\u3002\u9280\u884c\u5927\u591a\u53ef\u4ee5\u5206\u62103\/6\/9\/12\/18\/24\u671f\uff0c\u9810\u652f\u4e0a\u9650\u5247\u53ef\u4f9d\u7167\u500b\u4eba\u7684\u4fe1\u7528\u5206\u6578\u9ad8\u4f4e\u800c\u4e0d\u540c\u3002<\/p>\n\n\n\n
BNPL vs \u4fe1\u7528\u5361\u5206\u671f vs \u7121\u5361\u5206\u671f<\/h2>\n\n\n\n
BNPL vs \u4fe1\u7528\u5361\u5206\u671f vs \u7121\u5361\u5206\u671f<\/td><\/tr>
\u652f\u4ed8\u65b9\u5f0f <\/td>BNPL <\/td>\u4fe1\u7528\u5361\u5206\u671f <\/td>\u7121\u5361\u5206\u671f<\/td><\/tr>
\u4fe1\u7528\u7d00\u9304<\/td>\u4e0d\u9808\u63d0\u4f9b\u8b49\u660e<\/td>\u63d0\u4f9b\u8ca1\u529b\u6216\u4fe1\u7528\u806f\u5fb5\u8b49\u660e <\/td>\u63d0\u4f9b\u8ca1\u529b\u6216\u4fe1\u7528\u806f\u5fb5\u8b49\u660e<\/td><\/tr>
\u7533\u8fa6\u624b\u7e8c <\/td>\u7533\u8fa6\u5b8c\u6210\u5373\u958b\u901a <\/td>\u7b49\u5f85\u9280\u884c\u767c\u5361
\u8017\u66425-7\u500b\u5de5\u4f5c\u5929<\/td>		1~2\u5929<\/td><\/tr>
\u5206\u671f\u671f\u6578  <\/td>3<\/td>3\/6\/9\/12\/18\/24<\/td>3~36<\/td><\/tr>
\u5206\u671f\u5229\u7387 
 <\/td>		0 <\/td>0\u5229\u7387\uff0c\u4f46\u9580\u6abb\u9ad8\uff08\u9054\u4e00\u5b9a\u6d88\u8cbb\u91d1\u984d\uff09<\/td>\u975e0\u5229\u7387
\u671f\u6578\u8d8a\u591a\u3001\u5229\u7387\u8d8a\u9ad8<\/td><\/tr>
\u6eef\u7d0d\/\u9055\u7d04\u91d1<\/td>16% <\/td>\u5faa\u74b0\u5229\u7387 6%~15%\uff0c\u4f9d\u9280\u884c\u6838\u5b9a <\/td>\u4f9d\u696d\u8005\u800c\u5b9a\uff0c\u4e0a\u9650\u8207BNPL\u96f7\u540c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
\u3010\u624b\u6a5f\u8cb8\u6b3e\u597d\u904e\u55ce\uff1f\u624b\u6a5f\u8cb8\u6b3e\u5168\u65b9\u4f4d\u89e3\u6790.\u689d\u4ef6\/\u5229\u7387\/\u984d\u5ea6\/\u7533\u8acb\u65b9\u5f0f\u901a\u901a\u6709\u3011<\/a><\/pre>\n\n\n\n
\u6d88\u8cbb\u8005BNPL\u4f7f\u7528\u597d\u8655<\/h2>\n\n\n\n
\u5b78\u751f\u3001\u4fe1\u7528\u5c0f\u767d\u4e5f\u53ef\u4ee5\u7528<\/h3>\n\n\n\n
BNPL \u5c0d\u65bc\u5b78\u751f\u3001\u4fe1\u7528\u5c0f\u767d\u53ca\u81ea\u7531\u696d\u8005\u7b49\u6536\u5165\u8f03\u4e0d\u7a69\u5b9a\u7684\u65cf\u7fa4\u4f86\u8aaa\u662f\u4e00\u500b\u4fbf\u5229\u4e14\u591a\u5143\u7684\u652f\u4ed8\u5de5\u5177\u3002\u56e0\u70ba\u5c0d\u65bc\u4e0a\u8ff0\u7684\u65cf\u7fa4\u4f86\u8aaa\uff0c\u6536\u5165\u548c\u4fe1\u7528\u7d00\u9304\u4e0d\u8db3\u7684\u7de3\u6545\u800c\u8f03\u96e3\u7533\u8acb\u5230\u4fe1\u7528\u5361\uff0c\u4f7f\u5f97\u82e5\u8981\u8cfc\u8cb7\u9ad8\u55ae\u50f9\u7684\u5546\u54c1\u6642\uff0c\u8f03\u96e3\u4e00\u6b21\u6027\u62ff\u51fa\u9019\u9ebc\u591a\u73fe\u91d1\uff0c\u9019\u6642\u5019BNPL\u7684\u51fa\u73fe\u4e0d\u50c5\u80fd\u5920\u8b93\u6d88\u8cbb\u8005\u8cfc\u8cb7\u5230\u60f3\u8981\u7684\u5546\u54c1\uff0c\u540c\u6642\u907f\u514d\u4e00\u6b21\u652f\u51fa\u5927\u7b46\u7684\u6d88\u8cbb\u3002<\/p>\n\n\n\n
\u7533\u8acb\u904e\u7a0b\u4fbf\u5229<\/h3>\n\n\n\n
\u5feb\u901f\u4e14\u4fbf\u5229\u7684\u652f\u4ed8\u9ad4\u9a57\uff0c\u662fBNPL\u7684\u4e00\u5927\u512a\u52e2\uff0c\u4e0d\u9808\u7e41\u8907\u7684\u7533\u8acb\u904e\u7a0b\u53ca\u689d\u4ef6\uff0c\u540c\u6642\u80fd\u5920\u964d\u4f4e\u6d88\u8cbb\u8005\u5728\u8cfc\u7269\u6642\u7684\u4ea4\u6613\u6210\u672c\u3002\u56e0\u6b64\u96fb\u5546\u5e73\u53f0\u4e5f\u770b\u4e2dBNPL \u652f\u4ed8\u7684\u5546\u6a5f\uff0c\u52a0\u4e0a\u8fd1\u5e74\u75ab\u60c5\u4f7f\u96fb\u5546\u5e73\u53f0\u5feb\u901f\u6210\u9577\uff0c\u73fe\u5728\u8d8a\u4f86\u8d8a\u591a\u96fb\u5546\u5e73\u53f0\u5c07BNPL\u5c0e\u5165\u5176\u6d88\u8cbb\u7684\u652f\u4ed8\u65b9\u5f0f\uff0c\u5982Momo\u8cfc\u7269\u3001PChome\u3001Yahoo\u8cfc\u7269\u4e2d\u5fc3\u3001\u6771\u68ee\u8cfc\u7269\u3001\u535a\u5ba2\u4f86\u7b49\uff0c\u5e0c\u671b\u900f\u904e\u63d0\u4f9b\u66f4\u591a\u5143\u7684\u652f\u4ed8\u65b9\u5f0f\u4f86\u589e\u52a0\u6d88\u8cbb\u5ba2\u7fa4\u3002<\/p>\n\n\n\n
\u4f7f\u7528BNPL\u6709\u54ea\u4e9b\u98a8\u96aa\uff1f<\/h2>\n\n\n\n
\u9055\u7d04\u6216\u672a\u5982\u671f\u7e73\u6b3e\uff0c\u5176\u6eef\u7d0d\u91d1\u9ad8\u51fa\u9280\u884c\u5229\u7387<\/h3>\n\n\n\n
\u524d\u9762\u4e5f\u6709\u63d0\u5230BNPL\u7684\u5206\u671f\u689d\u4ef6\u4e0d\u4e00\u5b9a\u6bd4\u4fe1\u7528\u5361\u6216\u7121\u5361\u5206\u671f\u597d\uff0c\u52a0\u4e0aBNPL \u7533\u8acb\u6642\u5927\u591a\u4e0d\u9700\u8abf\u95b1\u4fe1\u7528\u8a55\u5206\u8cc7\u6599\u6216\u63d0\u4f9b\u5176\u4ed6\u8ca1\u529b\u8b49\u660e\uff0c\u901a\u5e38\u4e0d\u6703\u7d66\u4e88\u6d88\u8cbb\u8005\u592a\u9ad8\u7684\u53ef\u5206\u671f\u984d\u5ea6\u3002\u6b64\u5916\u6d88\u8cbb\u8005\u4f7f\u7528 BNPL \u670d\u52d9\u5f8c\uff0c\u82e5\u662f\u672a\u6309\u671f\u9084\u6b3e\u5247\u9700\u8981\u7e73\u7d0d\u7684\u9055\u7d04\u91d1\u4e5f\u6703\u8f03\u4fe1\u7528\u5361\u9ad8\uff0c\u666e\u904d\u5e74\u5229\u7387\u7d04 16~20%\uff0c\u4f9d\u4e0d\u540c\u696d\u8005\u6536\u8cbb\u65b9\u5f0f\u4e0d\u540c\u3002<\/p>\n\n\n\n
\u6d88\u8cbb\u53ca\u9084\u6b3e\u7d00\u9304\u7121\u6cd5\u767b\u5165\u81f3\u806f\u5fb5\u5e73\u53f0<\/h3>\n\n\n\n
\u53ea\u8981\u6d88\u8cbb\u8005\u6301\u4fe1\u7528\u5361\u7684\u6240\u6709\u6d88\u8cbb\u72c0\u6cc1\u548c\u9084\u6b3e\u7d00\u9304\u90fd\u6703\u8a3b\u8a18\u5728\u91d1\u878d\u806f\u5408\u5fb5\u4fe1\u4e2d\u5fc3\u7684\u4fe1\u7528\u8a55\u5206\u4e0a\uff0c\u56e0\u6b64\u82e5\u662f\u5728\u9577\u671f\u6301\u5361\u671f\u9593\u90fd\u7dad\u6301\u826f\u597d\u9084\u6b3e\u7d00\u9304\u5247\u6709\u52a9\u63d0\u9ad8\u4fe1\u7528\u5206\u6578\uff0c\u4f46\u4f7f\u7528 BNPL \u7b49\u7121\u5361\u5206\u671f\u670d\u52d9\u662f\u4e0d\u6703\u7559\u4e0b\u76f8\u95dc\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u56e0\u6b64\u7121\u52a9\u65bc\u4fe1\u7528\u8a55\u5206\u7d2f\u7a4d\u3002<\/p>\n\n\n\n
\u7121\u5b8c\u5584\u7684\u6cd5\u5f8b\u898f\u7bc4<\/h3>\n\n\n\n
\u76ee\u524d\u53f0\u7063\u5c0d\u65bcBNPL\u7ba1\u9053\u4ed8\u6b3e\u5c1a\u672a\u5236\u5b9a\u5b8c\u4e8b\u5584\u7684\u6cd5\u898f\u4fdd\u969c\uff0c\u56e0\u6b64\u82e5\u672a\u4f86\u5728\u4ea4\u6613\u904e\u7a0b\u4e2d\u6d89\u53ca\u8cb7\u8ce3\u6216\u91d1\u9322\u7cfe\u7d1b\uff0c\u5247\u96e3\u4ee5\u91dd\u5c0d\u8cb7\u8ce3\u96d9\u65b9\u8ffd\u8e64\u6216\u8ce0\u511f\u9032\u884c\u5f8c\u7e8c\u8655\u7406\uff0c\u540c\u6642\u4e5f\u53ef\u80fd\u5c0e\u81f4\u5ba2\u6236\u6b0a\u76ca\u53d7\u640d\uff0c\u4e5f\u6703\u5f71\u97ff\u652f\u4ed8\u5ee0\u5546\u7684\u54c1\u724c\u8072\u8b7d\u3002\u53e6\u5916\u4e5f\u6703\u884d\u751f\u8cb7\u5bb6\u672a\u6309\u6642\u4ed8\u6b3e\u6216\u8a50\u6b3a\u7684\u98a8\u96aa\u800c\u589e\u52a0\u66f4\u591a\u7684\u58de\u5e33\u640d\u5931\u3002<\/p>\n\n\n\n
\u904e\u5ea6\u6d88\u8cbb\uff0c\u9ad8\u4f30\u81ea\u8eab\u7684\u9084\u6b3e\u80fd\u529b<\/h3>\n\n\n\n
\u7531\u65bc\u6d88\u8cbb\u7576\u4e0b\u4e26\u4e0d\u6703\u5be6\u969b\u7522\u751f\u6263\u6b3e\uff0c\u96d6\u7136\u6e1b\u8f15\u6d88\u8cbb\u8005\u8cc7\u91d1\u4e0d\u8db3\u7684\u5fc3\u7406\u8ca0\u64d4\uff0c\u4f46\u540c\u6642\u4e5f\u5bb9\u6613\u4f7f\u6d88\u8cbb\u8005\u5ffd\u7565\u81ea\u8eab\u7684\u8ca1\u52d9\u72c0\u6cc1\u4ee5\u53ca\u672a\u4f86\u7684\u9084\u6b3e\u80fd\u529b\uff0c\u800c\u7522\u751f\u885d\u52d5\u8cfc\u7269\u7684\u554f\u984c\uff0c\u6700\u5f8c\u53ef\u80fd\u56e0\u7121\u6cd5\u5982\u671f\u7e73\u4ea4\u6b20\u6b3e\u4e14\u7d2f\u7a4d\u904e\u9ad8\u7684\u6eef\u7d0d\u91d1\u800c\u7121\u529b\u652f\u4ed8\uff0c\u9019\u4e5f\u8b93BNPL\u7684\u4fbf\u5229\u6027\u6210\u70ba\u4e00\u628a\u96d9\u9762\u5203\u3002<\/p>\n\n\n\n
\u53f0\u7063BNPL\u516c\u53f8\u6574\u7406<\/h2>\n\n\n\n
\u696d\u8005 <\/td>\u9069\u7528\u901a\u8def<\/td> \u6eef\u7d0d\u91d1\u6bd4\u4f8b<\/td><\/tr>
AFTEE <\/td>PChome\u3001\u6771\u68ee\u8cfc\u7269\u3001\u6a02\u6dd8Letao\u3001\u535a\u5ba2\u4f86\u53caDOKODEMO<\/td>16%<\/td><\/tr>
\u6a02\u5206\u671f  <\/td>\u5b98\u65b9\u5546\u57ce\uff0c2021\u7531PChome\u6536\u8cfc<\/td>20%<\/td><\/tr>
\u6162\u9ede\u4ed8<\/td>PChome\u3001Pi\u62cd\u9322\u5305\u9069\u7528\u5834\u57df\u7686\u53ef<\/td>\u6bcf\u671f\u6eef\u7d0d\u91d1450\u5143 + 
\u5206\u671f\u9918\u984d10%\u4e4b\u9055\u7d04\u91d1<\/td><\/tr>
Atome<\/td>\u535a\u5ba2\u4f86\u3001\u6771\u68ee\u8cfc\u7269\u3001\u7279\u529b\u548c\u6a02\u3001\u9060\u96c4\u5ee3\u5834<\/td>\u6bcf\u7b46\u8a02\u55ae\u903e\u671f\u6536\u53d6200\u5143\uff0c
\u6700\u9ad8\u4ee5400\u5143\u70ba\u9650<\/td><\/tr>
BeautyPay<\/td>\u7f8e\u5bb9\u5546\u5bb6\u3001\u91ab\u7f8e\u8a3a\u6240<\/td>\u672a\u7e73\u6b3e\u9918\u984d x 0.0438% 
x\u903e\u671f\u5929\u6578+\u6bcf\u671f100\u5143\u9055\u7d04\u91d1<\/td><\/tr>
fasney  <\/td>\u670d\u98fe\u5546\u5bb6\uff1a\u5982PAZZO\u3001
\u76f4\u64ad\u5e73\u53f0\uff1a168 money\u548c\u5c31\u91ac\u64ad<\/td>		\u5e74\u5229\u738716%\u8a08\u6536\u9072\u5ef6\u5229\u606f
+ 300\u5143\u4e4b\u9055\u7d04\u91d1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
\u4f7f\u7528BNPL\u7684\u5e38\u898b\u554f\u984c<\/h2>\n\n\n
\n
\n
\n
Q1. BNPL\u662f\u4ec0\u9ebc\uff1f<\/h3>\n
\n\n
BNPL \u5f9eBuy Now, Pay Later\u800c\u4f86\uff0c\u662f\u4e00\u7a2e\u4e0d\u9700\u8981\u4fe1\u7528\u5361\u7684\u5206\u671f\u652f\u4ed8\u5de5\u5177\uff0c\u540c\u6642\u80fd\u5920\u8b93\u6d88\u8cbb\u8005\u5ef6\u5f8c\u652f\u4ed8\u6d88\u8cbb\u3002<\/p>\n\n<\/div>\n<\/div>\n
\n
Q2. BNPL\u6709\u7533\u8acb\u689d\u4ef6\u9650\u5236\u55ce\uff1f<\/h3>\n
\n\n
\u6d88\u8cbb\u8005\u53ea\u8981\u5728\u7dda\u4e0a\u6216\u662f\u4e0b\u8f09APP\u4e26\u586b\u5beb\u8cc7\u6599\u5f8c\u5c31\u80fd\u555f\u7528\u9019\u9805\u670d\u52d9\uff0c\u4e26\u6d88\u8cbb\u7576\u4e0b\u5411 BNPL \u696d\u8005\u7533\u8acb\u8a72\u8cfc\u7269\u7684\u91d1\u984d\u5206\u671f\u5c31\u53ef\u4ee5\u8f15\u9b06\u4e0b\u55ae\u3002\u4e0d\u9808\u7d93\u904e\u4fe1\u7528\u5361\u696d\u8005\u7684\u4fe1\u7528\u5be9\u67e5\u6216\u5411\u806f\u5fb5\u4e2d\u5fc3\u8abf\u95b1\u7684\u4fe1\u7528\u5831\u544a\uff0c\u975e\u5e38\u9069\u5408\u91d1\u878d\u5c0f\u767d\u3001\u5b78\u751f\u6216\u662f\u81ea\u7531\u696d\u8005\u7b49\u6536\u5165\u8f03\u4e0d\u7a69\u5b9a\u7684\u65cf\u7fa4\u3002<\/p>\n\n<\/div>\n<\/div>\n
\n
Q3. \u5982\u679c\u6211\u7121\u6cd5\u5728\u5206\u671f\u671f\u9650\u5167\u7e73\u6b3e\uff0c\u90a3\u6709\u9055\u7d04\u91d1\u6216\u6eef\u7d0d\u91d1\u7684\u554f\u984c\u55ce\uff1f<\/h3>\n
\n\n
\u6703\u5594\uff01\u6eef\u7d0d\u91d1\u8207\u9055\u7d04\u91d1\u4f9d\u4e0d\u540c\u696d\u8005\u7684\u898f\u7bc4\u4e0d\u540c\uff0c\u8acb\u6d88\u8cbb\u8005\u5728\u4f7f\u7528\u670d\u52d9\u524d\u52d9\u5fc5\u8981\u8a73\u95b1\u76f8\u95dc\u689d\u6b3e\u548c\u898f\u5b9a\u3002<\/p>\n\n<\/div>\n<\/div>\n
\n
Q4. \u4f7f\u7528BNPL\u7684\u597d\u8655\u8207\u98a8\u96aa<\/h3>\n
\n\n
\u597d\u8655\uff1a<\/strong>BNPL \u5c0d\u65bc\u5b78\u751f\u3001\u4fe1\u7528\u5c0f\u767d\u53ca\u81ea\u7531\u696d\u8005\u7b49\u6536\u5165\u8f03\u4e0d\u7a69\u5b9a\u7684\u65cf\u7fa4\u4f86\u8aaa\u662f\u4e00\u500b\u4fbf\u5229\u4e14\u591a\u5143\u7684\u652f\u4ed8\u5de5\u5177\u3002
\u98a8\u96aa\uff1a<\/strong>\u9055\u7d04\u6216\u672a\u5982\u671f\u7e73\u6b3e\uff0c\u5176\u6eef\u7d0d\u91d1\u9ad8\u51fa\u9280\u884c\u5229\u7387\u8a31\u591a\uff0c\u4e14\u6d88\u8cbb\u53ca\u9084\u6b3e\u7d00\u9304\u7121\u6cd5\u767b\u5165\u81f3\u806f\u5fb5\u5e73\u53f0\u3002<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"
BNPL \u5f9eBuy Now, Pay Later\u7e2e\u5beb\u800c\u4f86\uff0c\u662f\u4e00\u7a2e\u4e0d\u9700\u8981\u4fe1\u7528\u5361\u7684\u5206\u671f\u65b9\u5f0f\uff0c\u540c\u6642\u80fd\u5920\u8b93\u6d88\u8cbb\u8005\u5ef6\u5f8c\u652f\u4ed8\u6d88\u8cbb\u3002\u63db\u53e5\u8a71\u8aaa\uff0c\u6d88\u8cbb\u8005\u53ea\u8981\u5728\u7dda\u4e0a\u6216\u662f\u4e0b\u8f09APP\u4e26\u586b\u5beb\u8cc7\u6599\u5f8c\u5c31\u80fd\u555f\u7528\u9019\u9805\u670d\u52d9\uff0c\u63a5\u4e0b\u4f86\u53ea\u8981\u5728\u6d88\u8cbb\u7576\u4e0b\u5411 BNPL \u696d\u8005\u7533\u8acb\u8a72\u8cfc\u7269\u7684\u91d1\u984d\u5206\u671f\u5c31\u53ef\u4ee5\u8f15\u9b06\u4e0b\u55ae\u3002<\/p>\n","protected":false},"author":2,"featured_media":2495,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_featuredTopicCount":0,"_summaryDetailed":"","footnotes":""},"categories":[1],"tags":[369,370],"class_list":["post-2391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-bnpl","tag-370"],"fimg_url":"https:\/\/www.alphaloan.co\/blog\/wp-content\/uploads\/2023\/07\/b2023071202.jpg","_links":{"self":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/2391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/comments?post=2391"}],"version-history":[{"count":14,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/2391\/revisions"}],"predecessor-version":[{"id":6916,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/posts\/2391\/revisions\/6916"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/media\/2495"}],"wp:attachment":[{"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/media?parent=2391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/categories?post=2391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alphaloan.co\/blog\/wp-json\/wp\/v2\/tags?post=2391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}