{"id":24101,"date":"2014-10-28T17:50:37","date_gmt":"2014-10-28T21:50:37","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/lessons-starting-fintech-company\/"},"modified":"2025-07-27T19:23:52","modified_gmt":"2025-07-27T19:23:52","slug":"lessons-starting-fintech-company","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/lessons-starting-fintech-company\/","title":{"rendered":"\u5982\u679c\u6211\u518d\u505a\u4e00\u6b21\uff1a\u4ece\u521b\u529e\u91d1\u878d\u79d1\u6280\u516c\u53f8\u4e2d\u5438\u53d6\u7684\u6559\u8bad"},"content":{"rendered":"<\/p>\n<p>\u539f\u6587\u94fe\u63a5\uff1a<a href=\"https:\/\/cfsinnovation.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.cfsinnovation.com\/Blog-Posts\/October-2014\/If-I-Did-it-Again-Lessons-from-Starting-a-FinTech<\/a><\/p>\n<p>\u4e0a\u5468\u5728\u829d\u52a0\u54e5\uff0c<a href=\"http:\/\/finlab.cfsinnovation.com\/\">\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u5b9e\u9a8c\u5ba4<\/a>\u4e3e\u529e\u4e86\u4e00\u6b21\u91d1\u878d\u79d1\u6280\u4e13\u9898\u7684\u793e\u4ea4\u6d3b\u52a8\uff0c\u90a3\u4e9b\u5df2\u7ecf\u81ea\u5df1\u521b\u529e\u8fc7\u516c\u53f8\u7684\u4eba\u5206\u4eab\u4e86\u4ed6\u4eec\u7684\u771f\u5b9e\u4e16\u754c\u7ecf\u9a8c\u3002Kinetic Group\u7684\u7ba1\u7406\u5408\u4f19\u4ebaJason Henrichs\uff0c<a href=\"https:\/\/www.d2dfund.org\/\">D2D Fund<\/a>\u7684\u9ad8\u7ea7\u521b\u65b0\u603b\u76d1Nick Maynard\uff0c<a href=\"https:\/\/mpowerfinancing.com\/\">MPOWER Financing<\/a>\u7684CEO\u517c\u8054\u5408\u521b\u59cb\u4ebaManu Smadja\uff0c\u4ee5\u53ca<a href=\"https:\/\/www.pawnguru.com\/\">PawnGuru<\/a>\u7684\u9996\u5e2d\u8fd0\u8425\u5b98Paul Vogelman\u4e0e\u4e00\u7fa4\u4f01\u4e1a\u5bb6\u3001\u975e\u8425\u5229\u7ec4\u7ec7\u9886\u5bfc\u8005\u548c\u5176\u4ed6\u5229\u76ca\u76f8\u5173\u8005\u8fdb\u884c\u4e86\u6df1\u5165\u7684\u4ea4\u6d41\u3002<\/p>\n<p>\u5c0f\u7ec4\u8ba8\u8bba\u4e86\u8bf8\u5982\u4e0d\u65ad\u53d8\u5316\u7684\u6d88\u8d39\u8005\u4ea7\u54c1\u666f\u89c2\uff1b\u8bc6\u522b\u6d88\u8d39\u8005\u75db\u70b9\uff0c\u5f00\u53d1\u521b\u65b0\u89e3\u51b3\u65b9\u6848\uff0c\u6539\u53d8\u884c\u4e3a\u6240\u9700\u8981\u7684\u6bc5\u529b\uff1b\u4ee5\u53ca\u963b\u788d\u521b\u65b0\u3001\u589e\u957f\u548c\u8fdb\u6b65\u7684\u6cd5\u89c4\u7b49\u5173\u952e\u8bdd\u9898\u3002<\/p>\n<p>Maynard\u8c08\u5230\u4e86<a href=\"https:\/\/www.d2dfund.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5956\u52b1\u6027\u50a8\u84c4<\/a>\u7684\u60ca\u4eba\u6210\u529f\u2014\u2014\u8fd9\u662f\u7eaf\u521b\u65b0\u521b\u9020\u5927\u89c4\u6a21\u5f71\u54cd\u7684\u4e00\u4e2a\u5f88\u597d\u7684\u4f8b\u5b50\u3002Henrichs\u4ee5\u4e00\u4f4d\u5728\u4e0d\u540c\u884c\u4e1a\u521b\u529e\u516c\u53f8\u7684\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f01\u4e1a\u5bb6\u7684\u72ec\u7279\u89c6\u89d2\u63d0\u4f9b\u4e86\u4ed6\u7684\u89c2\u70b9\u3002<\/p>\n<p>\u6211\u4eec\u8fd8\u8be2\u95ee\u4e86\u5c0f\u7ec4\u6210\u5458\u5173\u4e8e\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u5b9e\u9a8c\u5ba4\u548cCFSI\u5728\u6539\u5584\u521b\u4e1a\u73af\u5883\u4e2d\u53ef\u4ee5\u53d1\u6325\u7684\u4f5c\u7528\u3002Vogelman\u6307\u51fa\uff1a<\/p>\n<blockquote><p><i>\u4f5c\u4e3a\u4e00\u540d\u91d1\u878d\u79d1\u6280\u4f01\u4e1a\u5bb6\uff0c\u6211\u770b\u5230\u4e0eCFSI\u5efa\u7acb\u6301\u7eed\u5173\u7cfb\u7684\u5de8\u5927\u4ef7\u503c\u3002CFSI\u5df2\u7ecf\u7f16\u5236\u7684\u6570\u636e\u5df2\u7ecf\u5bf9PawnGuru\u7684\u65e9\u671f\u6218\u7565\u51b3\u7b56\u4ea7\u751f\u4e86\u5de8\u5927\u7684\u610f\u4e49\u3002\u6b64\u5916\uff0cCFSI\u5efa\u7acb\u7684\u987e\u95ee\u3001\u6295\u8d44\u8005\u548c\u653f\u7b56\u5236\u5b9a\u8005\u7684\u7f51\u7edc\u5728\u6211\u4eec\u5bfb\u6c42\u6269\u5927\u548c\u8fdb\u5165\u65b0\u5e02\u573a\u548c\u5730\u7406\u4f4d\u7f6e\u7684\u8fc7\u7a0b\u4e2d\u5c06\u5177\u6709\u975e\u5e38\u5927\u7684\u610f\u4e49\u3002<\/i><\/p><\/blockquote>\n<p>\u6b64\u5916\uff0c\u5c0f\u7ec4\u8ba8\u8bba\u4e86\u5728\u91d1\u878d\u79d1\u6280\u9886\u57df\u63d0\u9ad8\u610f\u8bc6\u548c\u6559\u80b2\u7684\u91cd\u8981\u6027\uff0c\u5e76\u6307\u51fa\u4e86\u79fb\u52a8\u6280\u672f\u8fbe\u5230\u672a\u88ab\u670d\u52a1\u7684\u4eba\u7fa4\u7684\u5de8\u5927\u6f5c\u529b\u3002Vogelman\u6307\u51fa\uff0cPawnGuru\u768480%\u7684\u63d0\u4ea4\u662f\u901a\u8fc7\u79fb\u52a8\u8bbe\u5907\u53d1\u9001\u7684\u3002\u5c0f\u7ec4\u6210\u5458\u8fd8\u901a\u8fc7\u5206\u4eab\u4ed6\u4eec\u4e2a\u4eba\u4e3a\u4ec0\u4e48\u8fdb\u5165\u91d1\u878d\u79d1\u6280\u884c\u4e1a\uff0c\u4e3a\u4ed6\u4eec\u7684\u4e1a\u52a1\u589e\u6dfb\u4e86\u771f\u5b9e\u7684\u4eba\u6027\u5316\u9762\u5b54\u3002\u4ee5\u4e0b\u662fSmadja\u7684\u9f13\u821e\u4eba\u5fc3\u7684\u6545\u4e8b\u2026<\/p>\n<blockquote><p><i>\u6211\u53d7\u8fc7\u5de5\u7a0b\u5e08\u7684\u8bad\u7ec3\uff0c\u66fe\u5728Capital One\u548cMcKinsey\u5de5\u4f5c\uff0c\u6211\u5728\u90a3\u91cc\u505a\u4e86\u5927\u91cf\u7684\u91d1\u878d\u5305\u5bb9\u548c\u7ecf\u6d4e\u53d1\u5c55\u7684\u5de5\u4f5c\u3002\u4f46\u6211\u4e0e\u5b66\u751f\u878d\u8d44\u7684\u8054\u7cfb\u662f\u4e00\u4e2a\u66f4\u4e2a\u4eba\u7684\u6545\u4e8b\u3002\u621117\u5c81\u65f6\u6765\u5230\u7f8e\u56fd\uff0c\u52aa\u529b\u5bfb\u627e\u5b66\u751f\u878d\u8d44\u3002\u5bf9\u975e\u7f8e\u56fd\u516c\u6c11\u6765\u8bf4\uff0c\u79c1\u4eba\u8d37\u6b3e\u7684\u9009\u62e9\u5e76\u4e0d\u591a\u3002\u7136\u540e\u5927\u7ea6\u4e00\u5e74\u524d\uff0c\u6211\u6bcd\u6821\u7684\u4e00\u4f4d\u5728\u6821\u5b66\u751f\u5411\u6821\u53cb\u90ae\u4ef6\u5217\u8868\u53d1\u9001\u4e86\u4e00\u5c01\u7535\u5b50\u90ae\u4ef6\u3002\u4ed6\u5206\u4eab\u4e86\u4e00\u4e2a\u6545\u4e8b\uff0c\u4ed6\u5728\u5927\u4e09\u7684\u6700\u540e\u4e00\u4e2a\u5b66\u671f\uff0c\u90a3\u4e2a\u6708\u7f3a\u5c11500\u7f8e\u5143\u3002\u4ed6\u7684\u8d22\u52a1\u9009\u62e9\u5f88\u6697\u6de1\uff1b\u4f20\u7edf\u7684\u94f6\u884c\u4e0d\u4f1a\u5411\u6ca1\u6709\u5f3a\u5927\u62c5\u4fdd\u4eba\u7684\u5b66\u751f\u8d37\u6b3e\u3002\u90a3\u65f6\u6211\u610f\u8bc6\u5230\uff0c\u8fd9\u79cd\u4fe1\u8d37\u7684\u7f3a\u4e4f\u4e0d\u4ec5\u5f71\u54cd\u56fd\u9645\u5b66\u751f\uff0c\u4e5f\u5f71\u54cd\u56fd\u5185\u5b66\u751f\u3002\u90a3\u5c31\u662f<\/i><a href=\"https:\/\/mpowerfinancing.com\/\"><i>MPOWER Financing<\/i><\/a><i>\u7684\u60f3\u6cd5\u5f00\u59cb\u5f62\u6210\uff1a\u52a9\u5b66\u91d1\u5e2e\u52a9\u5b66\u751f\u8fdb\u5165\u5927\u5b66\u5e76\u5b8c\u6210\u5b66\u4e1a\u3002<\/i><\/p><\/blockquote>\n<p>\u6709\u81ea\u5df1\u7684\u6545\u4e8b\u8981\u5206\u4eab\u5417\uff1f<a href=\"mailto:labs@cfsinnovation.com\">\u544a\u8bc9\u6211\u4eec<\/a>\uff0c\u6211\u4eec\u4f1a\u5728CFSI\u521b\u65b0\u5b9e\u9a8c\u5ba4\u7684\u535a\u5ba2\u4e0a\u53d1\u5e03\u3002<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u539f\u6587\u94fe\u63a5\uff1ahttps:\/\/www.cfsinnovation.com\/Blog-Posts\/October-2014\/If-I-Did-it-Again-Lessons-from-Starting-a-FinTech \u4e0a\u5468\u5728\u829d\u52a0\u54e5\uff0c\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u5b9e\u9a8c\u5ba4\u4e3e\u529e\u4e86\u4e00\u6b21\u91d1\u878d\u79d1\u6280\u4e13\u9898\u7684\u793e\u4ea4\u6d3b\u52a8\uff0c\u90a3\u4e9b\u5df2\u7ecf\u81ea\u5df1\u521b\u529e\u8fc7\u516c\u53f8\u7684\u4eba\u5206\u4eab\u4e86\u4ed6\u4eec\u7684\u771f\u5b9e\u4e16\u754c\u7ecf\u9a8c\u3002Kinetic Group\u7684\u7ba1\u7406\u5408\u4f19\u4ebaJason Henrichs\uff0cD2D Fund\u7684\u9ad8\u7ea7\u521b\u65b0\u603b\u76d1Nick Maynard\uff0cMPOWER Financing\u7684CEO\u517c\u8054\u5408\u521b\u59cb\u4ebaManu Smadja\uff0c\u4ee5\u53caPawnGuru\u7684\u9996\u5e2d\u8fd0\u8425\u5b98Paul Vogelman\u4e0e\u4e00\u7fa4\u4f01\u4e1a\u5bb6\u3001\u975e\u8425\u5229\u7ec4\u7ec7\u9886\u5bfc\u8005\u548c\u5176\u4ed6\u5229\u76ca\u76f8\u5173\u8005\u8fdb\u884c\u4e86\u6df1\u5165\u7684\u4ea4\u6d41\u3002 \u5c0f\u7ec4\u8ba8\u8bba\u4e86\u8bf8\u5982\u4e0d\u65ad\u53d8\u5316\u7684\u6d88\u8d39\u8005\u4ea7\u54c1\u666f\u89c2\uff1b\u8bc6\u522b\u6d88\u8d39\u8005\u75db\u70b9\uff0c\u5f00\u53d1\u521b\u65b0\u89e3\u51b3\u65b9\u6848\uff0c\u6539\u53d8\u884c\u4e3a\u6240\u9700\u8981\u7684\u6bc5\u529b\uff1b\u4ee5\u53ca\u963b\u788d\u521b\u65b0\u3001\u589e\u957f\u548c\u8fdb\u6b65\u7684\u6cd5\u89c4\u7b49\u5173\u952e\u8bdd\u9898\u3002 Maynard\u8c08\u5230\u4e86\u5956\u52b1\u6027\u50a8\u84c4\u7684\u60ca\u4eba\u6210\u529f\u2014\u2014\u8fd9\u662f\u7eaf\u521b\u65b0\u521b\u9020\u5927\u89c4\u6a21\u5f71\u54cd\u7684\u4e00\u4e2a\u5f88\u597d\u7684\u4f8b\u5b50\u3002Henrichs\u4ee5\u4e00\u4f4d\u5728\u4e0d\u540c\u884c\u4e1a\u521b\u529e\u516c\u53f8\u7684\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f01\u4e1a\u5bb6\u7684\u72ec\u7279\u89c6\u89d2\u63d0\u4f9b\u4e86\u4ed6\u7684\u89c2\u70b9\u3002 \u6211\u4eec\u8fd8\u8be2\u95ee\u4e86\u5c0f\u7ec4\u6210\u5458\u5173\u4e8e\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u5b9e\u9a8c\u5ba4\u548cCFSI\u5728\u6539\u5584\u521b\u4e1a\u73af\u5883\u4e2d\u53ef\u4ee5\u53d1\u6325\u7684\u4f5c\u7528\u3002Vogelman\u6307\u51fa\uff1a \u4f5c\u4e3a\u4e00\u540d\u91d1\u878d\u79d1\u6280\u4f01\u4e1a\u5bb6\uff0c\u6211\u770b\u5230\u4e0eCFSI\u5efa\u7acb\u6301\u7eed\u5173\u7cfb\u7684\u5de8\u5927\u4ef7\u503c\u3002CFSI\u5df2\u7ecf\u7f16\u5236\u7684\u6570\u636e\u5df2\u7ecf\u5bf9PawnGuru\u7684\u65e9\u671f\u6218\u7565\u51b3\u7b56\u4ea7\u751f\u4e86\u5de8\u5927\u7684\u610f\u4e49\u3002\u6b64\u5916\uff0cCFSI\u5efa\u7acb\u7684\u987e\u95ee\u3001\u6295\u8d44\u8005\u548c\u653f\u7b56\u5236\u5b9a\u8005\u7684\u7f51\u7edc\u5728\u6211\u4eec\u5bfb\u6c42\u6269\u5927\u548c\u8fdb\u5165\u65b0\u5e02\u573a\u548c\u5730\u7406\u4f4d\u7f6e\u7684\u8fc7\u7a0b\u4e2d\u5c06\u5177\u6709\u975e\u5e38\u5927\u7684\u610f\u4e49\u3002 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