{"id":14956,"date":"2025-09-05T14:21:35","date_gmt":"2025-09-05T06:21:35","guid":{"rendered":"https:\/\/www.oceanpayment.com\/cn\/?p=14956"},"modified":"2025-09-05T14:21:35","modified_gmt":"2025-09-05T06:21:35","slug":"4500%e4%ba%bf%e7%be%8e%e5%85%83%e5%b8%82%e5%9c%ba%e8%83%8c%e5%90%8e%ef%bc%8c%e5%85%88%e4%b9%b0%e5%90%8e%e4%bb%98%e4%b8%ba%e4%bd%95%e7%83%ad%e5%ba%a6%e4%b8%8d%e5%87%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.oceanpayment.com\/cn\/views\/14956\/","title":{"rendered":"4500\u4ebf\u7f8e\u5143\u5e02\u573a\u80cc\u540e\uff0c\u201c\u5148\u4e70\u540e\u4ed8\u201d\u4e3a\u4f55\u70ed\u5ea6\u4e0d\u51cf\uff1f"},"content":{"rendered":"<p>\u4ece\u7ebf\u4e0a\u8d2d\u7269\u5230\u8de8\u5883\u51fa\u884c\uff0cBNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\u6b63\u6084\u7136\u91cd\u5851\u6211\u4eec\u7684\u652f\u4ed8\u4e60\u60ef\u3002\u5b83\u4e0d\u518d\u662f\u4e00\u4e2a\u8d2d\u7269\u8f66\u7684\u201c\u5206\u671f\u9009\u62e9\u201d\uff0c\u800c\u662f\u9010\u6e10\u6f14\u53d8\u4e3a\u5168\u7403\u96f6\u552e\u548c\u8de8\u5883\u4ea4\u6613\u4e2d\u7684\u6838\u5fc3\u652f\u4ed8\u65b9\u5f0f\u3002\u9884\u6d4b\u5230 2026 \u5e74\uff0cBNPL \u5e02\u573a\u89c4\u6a21\u9884\u8ba1\u5c06\u8fbe\u5230 4500 \u4ebf\u7f8e\u5143<sup>1<\/sup>\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-14958\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/BNPL-300x93.png\" alt=\"\" width=\"600\" height=\"186\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/BNPL-300x93.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/BNPL-1024x318.png 1024w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/BNPL-768x238.png 768w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/BNPL.png 1034w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>\u5728\u6d88\u8d39\u7406\u6027\u5316\u7684\u4eca\u5929\uff0cBNPL\u4e3a\u4f55\u80fd\u6301\u7eed\u5347\u6e29\uff1f\u80cc\u540e\u6709\u54ea\u4e9b\u589e\u957f\u903b\u8f91\uff1f\u53c8\u5c06\u4e3a\u8de8\u5883\u5546\u6237\u5e26\u6765\u54ea\u4e9b\u673a\u9047\u4e0e\u6311\u6218\uff1f<\/p>\n<p><strong><b>\u4e00\u3001<\/b><\/strong><strong><b>BNPL\u6210\u4e3a\u589e\u957f\u65b0\u5f15\u64ce\u7684\u4e09\u5927\u4f18\u52bf<\/b><\/strong><\/p>\n<p>\u968f\u7740\u6570\u5b57\u6d88\u8d39\u573a\u666f\u65e5\u76ca\u4e30\u5bcc\uff0c\u5728Z\u4e16\u4ee3\u548c\u5343\u79a7\u4e00\u4ee3\u7fa4\u4f53\u4e2d\uff0cBNPL\u51ed\u501f\u7075\u6d3b\u5206\u671f\u548c\u4f4e\u95e8\u69db\u4f18\u52bf\uff0c\u4e0d\u4ec5\u964d\u4f4e\u4e86\u6d88\u8d39\u51b3\u7b56\u6210\u672c\uff0c\u4e5f\u6781\u5927\u63d0\u5347\u4e86\u8d2d\u4e70\u6548\u7387\u3002\u5b83\u6b63\u4ece\u4e00\u4e2a\u201c\u53ef\u9009\u9879\u201d\u9010\u6e10\u6c89\u6dc0\u4e3a\u201c\u4e60\u60ef\u6027\u652f\u4ed8\u65b9\u5f0f\u201d\u3002<\/p>\n<ol>\n<li><b><\/b><strong><b>\u62d3\u5c55\u65b0\u5ba2\u7fa4\uff0c\u6fc0\u6d3b\u589e\u91cf\u5e02\u573a<\/b><\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong><b> \u5438\u5f15<\/b><\/strong><strong><b>\u65e0\u5361\u7528\u6237\uff1a<\/b><\/strong>\u95e8\u69db\u4f4e\u3001\u4f53\u9a8c\u4fbf\u6377\uff0c\u5438\u5f15\u81ea\u7531\u804c\u4e1a\u8005\u4e0e\u5e74\u8f7b\u5ba2\u7fa4<sup>2<\/sup>\uff1b<\/li>\n<li><strong><b> \u63a8\u52a8<\/b><\/strong><strong><b>\u9ad8\u5ba2\u5355\u8f6c\u5316\uff1a<\/b><\/strong>\u5728\u65c5\u6e38\u3001\u6559\u80b2\u3001\u6570\u78013C\u3001\u5962\u4f88\u54c1\u7b49\u9ad8\u5ba2\u5355\u4ef7\u5546\u54c1\u4e2d\uff0c\u8d8535%\u7684\u7528\u6237\u503e\u5411\u4f7f\u7528BNPL<sup>3<\/sup>\uff1b<\/li>\n<li><b> <\/b><strong><b>\u5e03\u5c40\u65b0\u5174\u5e02\u573a\uff1a<\/b><\/strong>\u5728\u4fe1\u7528\u5361\u666e\u53ca\u7387\u4f4e\u4f46\u79fb\u52a8\u652f\u4ed8\u6d3b\u8dc3\u7684\u4e1c\u5357\u4e9a\u3001\u62c9\u7f8e\u3001\u4e2d\u4e1c\u7b49\u5730\u533a\uff0cBNPL\u6210\u4e3a\u8de8\u5883\u5546\u5bb6\u672c\u5730\u5316\u843d\u5730\u7684\u91cd\u8981\u8df3\u677f<sup>4<\/sup>\uff1b<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b><\/b><strong><b>\u63d0\u5347\u8f6c\u5316\uff0c\u7f29\u77ed\u51b3\u7b56\u8def\u5f84<\/b><\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong><b> \u7f29\u77ed\u51b3\u7b56\u65f6\u95f4\uff1a<\/b><\/strong>\u5206\u671f\u673a\u5236\u589e\u5f3a\u6d88\u8d39\u8005\u201c\u5373\u65f6\u8d2d\u4e70\u201d\u52a8\u673a\uff0c\u63a8\u52a8\u7528\u6237\u5feb\u901f\u4e0b\u5355\uff1b<\/li>\n<li><b> <\/b><strong><b>\u63d0\u9ad8\u590d\u8d2d\u610f\u613f\uff1a<\/b><\/strong>\u7075\u6d3b\u652f\u4ed8\u964d\u4f4e\u8bd5\u9519\u6210\u672c\uff0c\u9f13\u52b1\u7528\u6237\u5c1d\u8bd5\u65b0\u54c1\u6216\u5347\u7ea7\u6d88\u8d39\uff1b<\/li>\n<li><b> <\/b><strong><b>\u5ef6<\/b><\/strong><strong><b>\u4f38\u7528<\/b><\/strong><strong><b>\u6237\u4ef7\u503c\uff1a<\/b><\/strong>\u7ed3\u5408\u4f1a\u5458\u4f53\u7cfb\u4e0e\u79ef\u5206\u7b56\u7565\uff0c\u63d0\u5347\u7528\u6237\u751f\u547d\u5468\u671f\u4ef7\u503c\uff1b<\/li>\n<\/ul>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-14957\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/1753669704072-300x219.png\" alt=\"\" width=\"600\" height=\"439\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/1753669704072-300x219.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2025\/09\/1753669704072.png 700w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p style=\"text-align: center;\">\u56fe\u6e90\uff1aMorgan Stanley AlphaWise survey<\/p>\n<p><strong><b>\u4e8c<\/b><\/strong><strong><b>\u3001\u70ed\u6f6e\u4e4b\u4e0b\uff0cBNPL \u7684\u201c\u9690\u6027\u6311\u6218\u201d<\/b><\/strong><\/p>\n<p>\u9ad8\u589e\u957f\u4e5f\u4f34\u968f\u9ad8\u8d23\u4efb\u3002BNPL\u5728\u63d0\u5347\u6d88\u8d39\u5305\u5bb9\u6027\u7684\u540c\u65f6\uff0c\u4e5f\u5e26\u6765\u4e00\u7cfb\u5217\u8fd0\u8425\u4e0e\u5408\u89c4\u6311\u6218\uff1a<\/p>\n<p><b><\/b><strong><b>\uff081\uff09\u5982\u4f55\u9009\u62e9\u53ef\u9760\u7684BNPL\uff1f <\/b><\/strong><\/p>\n<p>\u5404\u5730\u76d1\u7ba1\u653f\u7b56\u4e0d\u4e00\uff0c\u76f2\u76ee\u5bf9\u63a5\u53ef\u80fd\u5e26\u6765\u5408\u89c4\u98ce\u9669\uff1b<\/p>\n<p><b> <strong>\uff082\uff09<\/strong><\/b><strong><b>\u9000\u6b3e\u600e\u4e48\u5904\u7406\uff1f<\/b><\/strong><b><\/b><\/p>\n<p>\u5206\u671f\u652f\u4ed8\u5f80\u5f80\u6d89\u53ca\u66f4\u957f\u8d26\u671f\uff0c\u9000\u5355\u6d41\u7a0b\u3001\u5ba2\u6237\u4f53\u9a8c\u5c24\u4e3a\u5173\u952e\uff1b<\/p>\n<p><b><\/b><strong><b>\uff083\uff09\u662f\u5426\u771f\u80fd\u63d0\u5347\u8f6c\u5316\uff1f <\/b><\/strong><\/p>\n<p>\u4e0d\u540c\u54c1\u7c7b\u3001\u4e0d\u540c\u5ba2\u7fa4\u5bf9 BNPL \u654f\u611f\u5ea6\u5b58\u5728\u5dee\u5f02\uff0c\u9700\u7cbe\u51c6\u914d\u7f6e\u3002<\/p>\n<p>\u6362\u8a00\u4e4b\uff0cBNPL\u7684\u90e8\u7f72\u66f4\u9700\u7ed3\u5408\u4e1a\u52a1\u6a21\u5f0f\u3001\u7528\u6237\u753b\u50cf\u4e0e\u5408\u89c4\u8981\u6c42\u8fdb\u884c\u7406\u6027\u90e8\u7f72\u3002<\/p>\n<p><strong><b>\u4e09<\/b><\/strong><strong><b>\u3001\u5408\u89c4\u4e0e\u589e\u957f\u53cc\u8f68\u5e76\u884c\uff0cOceanpayment\u8ba9\u5168\u7403\u652f\u4ed8\u66f4\u7b80\u5355<\/b><\/strong><\/p>\n<p>\u968f\u7740\u5168\u7403BNPL\u5e02\u573a\u8fc8\u5165\u6210\u719f\u671f\uff0c\u5176\u4ef7\u503c\u8fdc\u4e0d\u6b62\u201c\u5206\u671f\u201d\u8fd9\u4e48\u7b80\u5355\u2014\u2014\u5b83\u66f4\u662f\u63d0\u5347\u7528\u6237\u4fe1\u4efb\u3001\u4f18\u5316\u652f\u4ed8\u4f53\u9a8c\u3001\u5efa\u7acb\u54c1\u724c\u5fe0\u8bda\u5ea6\u7684\u91cd\u8981\u5de5\u5177\u3002<\/p>\n<p>\u4f5c\u4e3a\u5168\u7403\u6570\u5b57\u652f\u4ed8\u6280\u672f\u670d\u52a1\u5546\uff0cOceanpayment\u73b0\u5df2\u652f\u6301\u5305\u62ec Klarna\u3001Afterpay\u3001Affirm \u7b49\u591a\u5bb6\u4e3b\u6d41BNPL\u670d\u52a1\uff0c\u8986\u76d6\u6b27\u7f8e\u3001\u4e9a\u592a\u3001\u62c9\u7f8e\u7b49\u6838\u5fc3\u5e02\u573a\uff0c\u4e3a\u8de8\u5883\u5546\u5bb6\u63d0\u4f9b\u5b89\u5168\u3001\u7075\u6d3b\u3001\u5408\u89c4\u7684\u4e00\u7ad9\u5f0f\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u3002\u5728\u76d1\u7ba1\u4e0e\u6d88\u8d39\u884c\u4e3a\u6301\u7eed\u53d8\u5316\u7684\u4eca\u5929\uff0c\u652f\u4ed8\u6b63\u4ece\u57fa\u7840\u8bbe\u65bd\u8f6c\u5411\u589e\u957f\u5f15\u64ce\u3002Oceanpayment \u5c06\u6301\u7eed\u643a\u624b\u5546\u6237\uff0c\u4ee5\u7075\u6d3b\u7a33\u5065\u7684 BNPL \u670d\u52a1\u65b9\u6848\uff0c\u628a\u63e1\u5168\u7403\u5e02\u573a\u673a\u9047\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>\u53c2\u8003\u8d44\u6599\uff1a<\/p>\n<p>[1] McKinsey &amp; Company\uff0c\u300aThe future of Buy Now, Pay Later: What to expect as the market matures\u300b<\/p>\n<p>[2] J.D. Power\uff0c\u300aBuy Now, Pay Later: 2023 Consumer Trends Report\u300b<\/p>\n<p>[3] PYMNTS x Sezzle\uff0c\u300aThe Truth About BNPL: Who Uses It and Why\u300b[4] Statista\uff0c\u300aProjected size of the global buy now, pay later (BNPL) market from 2021 to 2026\u300b<\/p>\n<p>[4] Statista\uff0c\u300aProjected size of the global buy now, pay later (BNPL) market from 2021 to 2026\u300b<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>\u4ece\u7ebf\u4e0a\u8d2d\u7269\u5230\u8de8\u5883\u51fa\u884c\uff0cBNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\u6b63\u6084\u7136\u91cd\u5851\u6211\u4eec\u7684\u652f\u4ed8\u4e60\u60ef\u3002\u5b83\u4e0d\u518d\u662f\u4e00\u4e2a\u8d2d\u7269\u8f66\u7684\u201c\u5206\u671f\u9009\u62e9\u201d\uff0c\u800c\u662f\u9010\u6e10\u6f14\u53d8\u4e3a\u5168\u7403\u96f6\u552e\u548c\u8de8\u5883\u4ea4\u6613\u4e2d\u7684\u6838\u5fc3\u652f\u4ed8\u65b9\u5f0f\u3002\u9884\u6d4b\u5230 2026 \u5e74\uff0cBNPL \u5e02\u573a\u89c4\u6a21\u9884\u8ba1\u5c06\u8fbe\u5230 4500 \u4ebf\u7f8e\u51431\u3002 \u5728\u6d88\u8d39\u7406\u6027\u5316\u7684\u4eca\u5929\uff0cBNPL\u4e3a\u4f55\u80fd\u6301\u7eed\u5347\u6e29\uff1f\u80cc\u540e\u6709\u54ea\u4e9b\u589e\u957f\u903b\u8f91\uff1f\u53c8\u5c06\u4e3a\u8de8\u5883\u5546\u6237\u5e26\u6765\u54ea\u4e9b\u673a\u9047\u4e0e\u6311\u6218\uff1f \u4e00\u3001BNPL\u6210\u4e3a\u589e\u957f\u65b0\u5f15\u64ce\u7684\u4e09\u5927\u4f18\u52bf \u968f\u7740\u6570\u5b57\u6d88\u8d39\u573a\u666f\u65e5\u76ca\u4e30\u5bcc\uff0c\u5728Z\u4e16\u4ee3\u548c [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":14959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[348,376,293,455],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" 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