{"id":24147,"date":"2015-10-27T14:44:06","date_gmt":"2015-10-27T18:44:06","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/rising-ashes-credit-industry-transformed-post-crash\/"},"modified":"2025-07-27T19:47:50","modified_gmt":"2025-07-27T19:47:50","slug":"rising-ashes-credit-industry-transformed-post-crash","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/rising-ashes-credit-industry-transformed-post-crash\/","title":{"rendered":"\u6d74\u706b\u91cd\u751f\uff1a\u4fe1\u8d37\u884c\u4e1a\u5982\u4f55\u5728\u5371\u673a\u540e\u8f6c\u578b"},"content":{"rendered":"<p>\u539f\u6587\u94fe\u63a5\uff1a<a href=\"https:\/\/tsys.com\/ngenuity-journal\/rising-from-the-ashes-how-the-credit-industry-transformed-post-crash.cfm\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/tsys.com\/ngenuity-journal\/rising-from-the-ashes-how-the-credit-industry-transformed-post-crash.cfm<\/a><\/p>\n<h2>\u8d37\u6b3e\u548c\u4fe1\u7528\u5206\u6790\u7684\u9769\u547d<\/h2>\n<p><i>2015\u5e7410\u670827\u65e5 | \u4f5c\u8005 Sanjib Kalita<\/i><\/p>\n<p>2008\u5e74\u7684\u91d1\u878d\u5371\u673a\u6467\u6bc1\u4e86\u91d1\u878d\u7684\u57fa\u77f3\u3002\u5728\u6df7\u4e71\u548c\u4e0d\u786e\u5b9a\u4e2d\uff0c\u4f20\u7edf\u7684\u4fe1\u8d37\u548c\u8d37\u6b3e\u63d0\u4f9b\u8005\uff0c\u5373\u94f6\u884c\uff0c\u5f00\u59cb\u6536\u7f29\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u5e02\u573a\u5bf9\u4fe1\u8d37\u7684\u9700\u6c42\u589e\u52a0\u4e86\u3002<\/p>\n<p>\u968f\u7740\u5e02\u573a\u51fa\u73b0\u65b0\u7684\u673a\u4f1a\uff0c\u90a3\u4e9b\u66fe\u7ecf\u5728\u4f20\u7edf\u8d37\u6b3e\u673a\u6784\u5de5\u4f5c\u7684\u4e13\u4e1a\u4eba\u58eb\u79bb\u5f00\uff0c\u5f00\u59cb\u521b\u529e\u6216\u52a0\u5165\u65b0\u516c\u53f8\u3002\u6b64\u5916\uff0c\u90a3\u4e9b\u4ee5\u524d\u6ca1\u6709\u63d0\u4f9b\u4fe1\u8d37\u7684\u91d1\u878d\u670d\u52a1\u516c\u53f8\u770b\u5230\u4e86\u673a\u4f1a\uff0c\u5f00\u59cb\u63d0\u4f9b\u4fe1\u8d37\u670d\u52a1\u3002\u5e02\u573a\u53d8\u5316\u4e5f\u63d0\u4f9b\u4e86\u4f7f\u7528\u65b0\u6570\u636e\u548c\u5206\u6790\u65b9\u6cd5\u7684\u673a\u4f1a\u3002<\/p>\n<h3>\u4ece\u94f6\u884c\u5bb6\u5230\u521b\u4e1a\u8005<\/h3>\n<p>\u8fd9\u79cd\u53d8\u52a8\u7684\u4e00\u4e2a\u5f3a\u70c8\u4f8b\u5b50\u662fMPOWER Financing\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e3a\u88ab\u4f20\u7edf\u94f6\u884c\u9009\u9879\u6392\u9664\u5728\u5916\u7684\u5b66\u751f\u63d0\u4f9b\u52a9\u5b66\u91d1\u7684\u66ff\u4ee3\u8d37\u6b3e\u8005\u3002MPOWER\u7684\u9996\u5e2d\u6267\u884c\u5b98\u517c\u8054\u5408\u521b\u59cb\u4ebaEmmanuel Smadja\u5728Capital 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Brown\uff0cCredibly\u7684\u8425\u9500\u548c\u4ea7\u54c1\u526f\u603b\u88c1\uff0c\u5728Citi\u5de5\u4f5c\u4e86\u8d85\u8fc7\u516b\u5e74\u3002Brown\u5c06Credibly\u63cf\u8ff0\u4e3a&#8221;\u4e00\u4e2a\u65b0\u5174\u7684\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u5229\u7528\u6570\u636e\u79d1\u5b66\u548c\u6280\u672f\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u63d0\u4f9b\u6700\u5b9e\u60e0\u548c\u5408\u9002\u7684\u8d44\u672c\u3002&#8221;<\/p>\n<p>\u5c3d\u7ba1Brown\u548cSmadja\u90fd\u5728\u5927\u94f6\u884c\u7684\u90e8\u5206\u4fe1\u8d37\u5e02\u573a\u5de5\u4f5c\uff0c\u4f46\u79bb\u5f00\u8fd9\u4e9b\u673a\u6784\u6539\u53d8\u4e86\u4ed6\u4eec\u7684\u89c6\u89d2\u3002\u6839\u636eSmadja\u7684\u8bf4\u6cd5\uff0c&#8221;\u81ea\u4ece\u6211\u79bb\u5f00\u94f6\u884c\u4ee5\u6765\uff0c\u6211\u5bf9\u4fe1\u7528\u7684\u770b\u6cd5\u53d1\u751f\u4e86\u6700\u5927\u7684\u6539\u53d8\uff0c\u6211\u4e0d\u518d\u628a\u4fe1\u7528\u770b\u4f5c\u662f\u4e00\u4e2a\u5386\u53f2\u6307\u6807\uff1b\u6211\u628a\u5b83\u770b\u4f5c\u662f\u4e00\u4e2a\u8f68\u8ff9\u3002\u4e00\u4e2a\u4eba\u7684\u4fe1\u7528\u5e94\u8be5\u4e0d\u4ec5\u5305\u62ec\u5386\u53f2\u6570\u636e\uff0c\u8fd8\u5e94\u8be5\u5305\u62ec\u672a\u6765\u7684\u6570\u636e\u3002&#8221;<\/p>\n<h3>\u4ece\u66ff\u4ee3\u652f\u4ed8\u5230\u66ff\u4ee3\u8d37\u6b3e<\/h3>\n<p>\u66ff\u4ee3\u8d37\u6b3e\u8005\u7684\u589e\u957f\u5f15\u8d77\u4e86\u5176\u4ed6\u91d1\u878d\u63d0\u4f9b\u8005\u7684\u6ce8\u610f\u3002<\/p>\n<p>\u4f5c\u4e3a\u65e9\u671f\u7684\u98a0\u8986\u8005\uff0c\u73b0\u5728\u662f\u5728\u7ebf\u652f\u4ed8\u884c\u4e1a\u7684\u9886\u5bfc\u8005\uff0cPayPal\u51b3\u5b9a\u57282013\u5e74\u8fdb\u5165\u5c0f\u578b\u548c\u4e2d\u578b\u4f01\u4e1a\uff08SMBs\uff09\u7684\u8d37\u6b3e\u5e02\u573a\u3002PayPal\u7684SMB\u8d37\u6b3e\u526f\u603b\u88c1Darrell 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