Chloe \u7b2c\u4e00\u6b21\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d(BNPL) \u65f6\uff0c\u5979\u751a\u81f3\u6ca1\u6709\u610f\u8bc6\u5230\u81ea\u5df1\u80cc\u4e0a\u4e86\u67d0\u79cd\u5f62\u5f0f\u7684\u503a\u52a1\u3002<\/p>\n
2020 \u5e74\uff0c\u5979\u5728\u7f51\u4e0a\u8d2d\u4e70\u5316\u5986\u54c1\uff0c\u5f53\u65f6\u5979\u53ef\u4ee5\u9009\u62e9\u5c06 150 \u82f1\u9551\u7684\u8d26\u5355\u63a8\u8fdf 30 \u5929\u3002<\/p>\n
\u7531\u4e8e\u8fd9\u4f4d 25 \u5c81\u7684\u5973\u58eb\u7684\u4ed8\u6b3e\u8be6\u7ec6\u4fe1\u606f\uff08\u4f8b\u5982\u5979\u7684\u5361\u53f7\u548c\u59d3\u540d\uff09\u5df2\u7ecf\u4ece\u4e4b\u524d\u7684\u8d2d\u4e70\u4e2d\u4fdd\u5b58\u4e0b\u6765\uff0c\u56e0\u6b64\u5979\u751a\u81f3\u4e0d\u9700\u8981\u8f93\u5165\u8fd9\u4e9b\u4fe1\u606f\u3002<\/p>\n
\u201c\u6ca1\u6709\u4efb\u4f55\u8b66\u544a\uff0c\u4e5f\u6ca1\u6709\u89e3\u91ca\u5176\u5de5\u4f5c\u539f\u7406\u7684\u4fe1\u4ef6\uff0c\u201d\u4f4f\u5728\u5e03\u91cc\u65af\u6258\u5c14\u3001\u4ece\u4e8b\u5ba2\u6237\u670d\u52a1\u5de5\u4f5c\u7684\u514b\u6d1b\u4f0a\u8bf4\u3002<\/p>\n
\u201c30 \u5929\u540e\uff0c\u6211\u6536\u5230\u4e86\u4ed8\u6b3e\u63d0\u9192\uff0c\u7136\u540e\u91d1\u989d\u6025\u5267\u4e0a\u5347\u3002\u201d<\/p>\n
\u514b\u6d1b\u4f0a\uff08Chloe\uff09\u4ece\u672a\u9519\u8fc7\u8fc7 BNPL \u4ed8\u6b3e\u2014\u2014\u8fd9\u53ef\u80fd\u4f1a\u589e\u52a0\u5e10\u5355\u7684\u9ad8\u5229\u7387\u2014\u2014\u4f46\u5979\u53d1\u73b0\u81ea\u5df1\u9677\u5165\u4e86\u65e0\u4f11\u6b62\u7684\u4f7f\u7528\u5b83\u7684\u5faa\u73af\u4e2d\u3002<\/p>\n
![\"\u9677\u5165\u56f0\u5883\uff1a25\u5c81\u7684\u514b\u6d1b\u4f0a(Chloe)\u53d1\u73b0\u81ea\u5df1\u9677\u5165\u4e86\u4f7f\u7528\u4ed8\u6b3e\u65b9\u6848\u7684\u65e0\u4f11\u6b62\u7684\u5faa\u73af\u4e2d\uff0c\u5728\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u503a\u52a1\u4e2d\u79ef\u7d2f\u4e862,000\u82f1\u9551\"](\"https:\/\/i.dailymail.com\/1s\/2026\/07\/14\/23\/110019567-15978017-image-m-27_1784069424530.jpg\")
<\/div>\n<\/p><\/div>\n\u9677\u5165\u56f0\u5883\uff1a25\u5c81\u7684\u514b\u6d1b\u4f0a(Chloe)\u53d1\u73b0\u81ea\u5df1\u9677\u5165\u4e86\u4f7f\u7528\u4ed8\u6b3e\u65b9\u6848\u7684\u65e0\u4f11\u6b62\u7684\u5faa\u73af\u4e2d\uff0c\u5728\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u503a\u52a1\u4e2d\u79ef\u7d2f\u4e862,000\u82f1\u9551<\/p>\n<\/div>\n
\u201c\u6709\u4e00\u6b21\u6211\u6b20\u4e86 2,000 \u82f1\u9551\uff0c\u201d\u5979\u8bf4\u3002 \u201c\u6211\u7528\u5b83\u6765\u4e70\u8863\u670d\u3001\u5316\u5986\u54c1\u3001\u5916\u5356\u2014\u2014\u6ca1\u4ec0\u4e48\u91cd\u8981\u7684\u3002 <\/p>\n
\u4f46\u662f\u4e00\u65e6\u4f60\u7528\u5de5\u8d44\u7ed3\u6e05\u8d26\u5355\uff0c\u65e5\u5e38\u5f00\u652f\u5c31\u6ca1\u6709\u4e86\uff0c\u6240\u4ee5\u4f60\u5fc5\u987b\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u65b9\u5f0f\u6765\u8d2d\u4e70\u4ee5\u540e\u7684\u4e1c\u897f\u3002<\/p>\n
\u201c\u5b83\u592a\u5bb9\u6613\u4f7f\u7528\u4e86\uff0c\u6240\u4ee5\u4f60\u4e0d\u9700\u8981\u8003\u8651\u5b83\uff0c\u7136\u540e\u5b83\u5c31\u4f1a\u7d2f\u79ef\u8d77\u6765\u3002\u6211\u53d1\u73b0\u81ea\u5df1\u7528\u5b83\u6765 Deliveroo \u5916\u5356\u548c\u8d2d\u7269\u3002<\/p>\n
\u4f46\u514b\u6d1b\u4f0a\u73b0\u5728\u662f\u6570\u767e\u4e07\u501f\u6b3e\u4eba\u4e4b\u4e00\uff0c\u4ece\u4eca\u5929\u8d77\uff0c\u4ed6\u4eec\u53ef\u80fd\u88ab\u7981\u6b62\u4f7f\u7528 BNPL\u3002<\/p>\n
BNPL \u662f\u4e00\u79cd\u77ed\u671f\u501f\u6b3e\uff0c\u8d2d\u7269\u8005\u53ea\u9700\u5728\u7ed3\u8d26\u65f6\u70b9\u51fb\u6309\u94ae\u5373\u53ef\u5206\u671f\u4ed8\u6b3e\uff0c\u901a\u5e38\u5206\u4e09\u671f\u6216\u56db\u671f\u3002<\/p>\n
\u6839\u636e\u503a\u52a1\u54a8\u8be2\u63d0\u4f9b\u5546 PayPlan \u7684\u6570\u636e\uff0c\u5c3d\u7ba1\u5b83\u5728\u5e74\u8f7b\u8d2d\u7269\u8005\u4e2d\u6700\u53d7\u6b22\u8fce\uff0c\u4f46\u8fd1\u4e09\u5206\u4e4b\u4e00\u7684\u7528\u6237\u5e74\u9f84\u5728 46 \u5c81\u81f3 61 \u5c81\u4e4b\u95f4\u3002 <\/p>\n
\u53bb\u5e74\u7528\u6237\u589e\u957f\u6700\u5feb\u7684\u662f\u8001\u5e74\u8d2d\u7269\u8005\u3002<\/p>\n
\u4f46\u5728\u4e00\u9879\u91cd\u5927\u6539\u9769\u4e2d\uff0c\u4ece\u4eca\u5929\u5f00\u59cb\uff0cBNPL \u5c06\u53d7\u5230\u4e00\u5957\u65b0\u89c4\u5219\u7684\u7ea6\u675f\uff0c\u8fd9\u4e9b\u89c4\u5219\u65e8\u5728\u4e3a\u8d2d\u7269\u8005\u63d0\u4f9b\u66f4\u597d\u7684\u6743\u5229\u5e76\u5e2e\u52a9\u9632\u6b62\u4ed6\u4eec\u9677\u5165\u95ee\u9898\u503a\u52a1\u3002<\/p>\n
\u7136\u800c\uff0c\u4e25\u683c\u7684\u89c4\u5219\u5c06\u610f\u5473\u7740\u8d85\u8fc7 160 \u4e07\u4eba\u53ef\u80fd\u88ab\u7981\u6b62\u4f7f\u7528\u5b83\u3002<\/p>\n
\u867d\u7136\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u8fd9\u5e94\u8be5\u6709\u52a9\u4e8e\u9632\u6b62\u7528\u6237\u9677\u5165\u56f0\u5883\uff0c\u4f46\u5b83\u53ef\u80fd\u4f1a\u7ed9\u50cf Chloe \u8fd9\u6837\u4e00\u76f4\u4f9d\u8d56 BNPL \u5ea6\u65e5\u7684\u4eba\u5e26\u6765\u56f0\u96be\u3002<\/p>\n
BNPL \u662f\u4e00\u79cd\u901a\u5e38\u7528\u4e8e\u5c0f\u989d\u91c7\u8d2d\u7684\u4ed8\u6b3e\u65b9\u5f0f\uff08\u6839\u636e\u7814\u7a76\uff0c\u5e73\u5747 114 \u82f1\u9551\uff09\uff0c\u5e76\u4e14\u4e0e\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\u4e0d\u540c\uff0c\u56e0\u4e3a\u501f\u6b3e\u671f\u9650\u8f83\u77ed\u3002<\/p>\n
\u6309\u65f6\u4ed8\u6b3e\uff0c\u901a\u5e38\u662f\u514d\u606f\u4e14\u4e0d\u6536\u53d6\u4efb\u4f55\u8d39\u7528\u3002\u6700\u5927\u7684\u8d37\u65b9\u4e4b\u4e00 Clearpay \u5141\u8bb8\u7528\u6237\u5728\u516d\u5468\u5185\u5206\u56db\u671f\u4ed8\u6b3e\uff0c\u800c PayPal \u5ba2\u6237\u53ef\u4ee5\u5728 30 \u5929\u5185\u6216\u5728\u4e24\u4e2a\u6708\u5185\u5206\u4e09\u671f\u4ed8\u6b3e\u3002 <\/p>\n
Klarna \u63d0\u4f9b\u201c\u4e09\u671f\u4ed8\u6b3e\u201d\u9009\u9879\uff0c\u53ef\u5728\u4e09\u4e2a\u6708\u5185\u514d\u606f\u652f\u4ed8\u4e09\u7b14\u6b3e\u9879\u3002<\/p>\n
\u4f46\u5982\u679c\u60a8\u672a\u80fd\u6309\u65f6\u8fd8\u6b3e\uff0c\u5219\u4f1a\u6536\u53d6\u8d39\u7528\u3002\u8d2d\u4e70 Klarna \u7684\u8d39\u7528\u6700\u9ad8\u53ef\u8fbe 10 \u82f1\u9551\uff0c\u8d2d\u4e70\u5176\u4ed6\u63d0\u4f9b\u5546\u7684\u8d39\u7528\u53ef\u8fbe 24 \u82f1\u9551\uff0c\u56e0\u6b64\u5bf9\u4e8e\u666e\u901a\u7528\u6237\u6765\u8bf4\uff0c\u6210\u672c\u4f1a\u8fc5\u901f\u589e\u52a0\u3002<\/p>\n
\u8bb8\u591a\u6700\u5927\u7684\u96f6\u552e\u5546\uff0c\u4f8b\u5982 John Lewis\u3001Boots\u3001Shein\u3001H&M \u548c Next\uff0c\u90fd\u63d0\u4f9b BNPL \u4f5c\u4e3a\u652f\u4ed8\u9009\u9879\u3002 <\/p>\n
\u5f53\u4f60\u5728\u7ebf\u8d2d\u7269\u65f6\uff0c\u5b83\u901a\u5e38\u4f1a\u5728\u7ed3\u8d26\u65f6\u5217\u51fa\uff0c\u4e0e\u501f\u8bb0\u5361\u548c\u4ee3\u91d1\u5238\u4ed8\u6b3e\u4e00\u8d77\u5217\u51fa\uff0c\u4e00\u4e9b\u7528\u6237\u8868\u793a\uff0c\u4ed6\u4eec\u4e0d\u77e5\u9053\u52fe\u9009\u6b64\u6846\u610f\u5473\u7740\u627f\u62c5\u503a\u52a1\u3002\u5b83\u4e5f\u8d8a\u6765\u8d8a\u591a\u5730\u5728\u5546\u5e97\u7684\u6536\u94f6\u53f0\u4e0a\u51fa\u552e\u3002<\/p>\n
\u81f3\u5173\u91cd\u8981\u7684\u662f\uff0c\u76f4\u5230\u4eca\u5929\uff0cBNPL \u4e00\u76f4\u4e0d\u53d7\u76d1\u7ba1\u3002\u8fd9\u610f\u5473\u7740\uff0c\u4e0e\u5176\u4ed6\u7c7b\u578b\u7684\u501f\u8d37\u4e0d\u540c\uff0c\u516c\u53f8\u4e0d\u5fc5\u8fdb\u884c\u68c0\u67e5\u4ee5\u786e\u4fdd\u501f\u6b3e\u4eba\u80fd\u591f\u8d1f\u62c5\u4ed6\u4eec\u6240\u627f\u62c5\u7684\u503a\u52a1\uff0c\u800c\u4e14\u5982\u679c\u51fa\u73b0\u95ee\u9898\uff0c\u8d2d\u7269\u8005\u51e0\u4e4e\u6ca1\u6709\u8ffd\u7d22\u6743\u3002 <\/p>\n
![\"\u503a\u52a1\uff1aPaul](\"https:\/\/i.dailymail.com\/1s\/2026\/07\/14\/23\/110019569-15978017-image-m-39_1784069789554.jpg\")
<\/div>\n<\/p><\/div>\n\u503a\u52a1\uff1aPaul Mulholland \u4e00\u5e74\u524d\u5f00\u59cb\u4f7f\u7528 BNPL \u8d2d\u4e70\u6742\u8d27\u548c\u8863\u670d\uff0c\u56e0\u4e3a\u4ed6\u5f88\u96be\u8d1f\u62c5\u57fa\u672c\u751f\u6d3b\u7528\u54c1\uff0c\u5e76\u8ba4\u4e3a\u8fd9\u662f\u63a8\u8fdf\u8d39\u7528\u7684\u6709\u6548\u65b9\u6cd5<\/p>\n<\/div>\n
\u4f46\u5728\u4e00\u9879\u91cd\u5927\u6253\u51fb\u884c\u52a8\u4e2d\uff0c\u8d37\u65b9\u73b0\u5728\u9700\u8981\u83b7\u5f97\u91d1\u878d\u5e02\u573a\u76d1\u7ba1\u673a\u6784\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08FCA\uff09\u7684\u6279\u51c6\u3002<\/p>\n
\u8fd9\u610f\u5473\u7740\uff0c\u5982\u679c\u786e\u5b9e\u51fa\u73b0\u95ee\u9898\uff0c\u5ba2\u6237\u611f\u89c9\u81ea\u5df1\u53d7\u5230\u4e86\u4e0d\u516c\u5e73\u7684\u5bf9\u5f85\uff0c\u4ed6\u4eec\u73b0\u5728\u53ef\u4ee5\u5411\u91d1\u878d\u76d1\u5bdf\u5458\u670d\u52a1\u673a\u6784\u6295\u8bc9\uff0c\u4ece\u800c\u4e3a\u4ed6\u4eec\u63d0\u4f9b\u6025\u9700\u7684\u4fdd\u62a4\u3002<\/p>\n
\u8d22\u52a1\u4ef2\u88c1\u8005\u6709\u6743\u5224\u7ed9\u8d54\u507f\u91d1\u6216\u8981\u6c42\u516c\u53f8\u91c7\u53d6\u63aa\u65bd\u7ea0\u6b63\u67d0\u4eba\u4ed8\u6b3e\u8bb0\u5f55\u4e2d\u7684\u60c5\u51b5\u6216\u4efb\u4f55\u9519\u8bef\u3002\u968f\u7740\u65b0\u89c4\u5b9a\u4e8e\u4eca\u5929\u751f\u6548\uff0c\u5e0c\u671b\u6700\u7ec8\u901a\u8fc7 BNPL \u9677\u5165\u95ee\u9898\u503a\u52a1\u7684\u4eba\u5c06\u4f1a\u51cf\u5c11\u3002<\/p>\n
\u7528\u6237\u5c06\u9884\u5148\u83b7\u5f97\u6709\u5173\u5176\u534f\u8bae\u7684\u660e\u786e\u8be6\u7ec6\u4fe1\u606f\uff0c\u5305\u62ec\u6709\u5173\u4ed8\u6b3e\u5230\u671f\u65f6\u95f4\u4ee5\u53ca\u5982\u679c\u9519\u8fc7\u4ed8\u6b3e\u4f1a\u53d1\u751f\u4ec0\u4e48\u7684\u4fe1\u606f\u3002<\/p>\n
\u7136\u800c\uff0c\u8bb8\u591a\u5df2\u7ecf\u5728\u6cd5\u56fd\u56fd\u5bb6\u94f6\u884c\u6b20\u4e0b\u503a\u52a1\u5e76\u6709\u7406\u7531\u62b1\u6028\u7684\u4eba\u5c06\u88ab\u65b0\u89c4\u5b9a\u629b\u5728\u540e\u9762\u3002 <\/p>\n
\u503a\u52a1\u54a8\u8be2\u670d\u52a1 Money Wellness \u7684 Matthew Sheeran \u8868\u793a\uff1a\u201c\u65b0\u89c4\u5219\u4ec5\u6db5\u76d6 7 \u6708 15 \u65e5\u6216\u4e4b\u540e\u53d1\u653e\u7684\u8d37\u6b3e\uff0c\u56e0\u6b64\u4e0d\u9002\u7528\u4e8e\u73b0\u6709\u534f\u8bae\u3002<\/p>\n
\u201c\u4efb\u4f55\u9677\u5165\u56f0\u5883\u7684\u4eba\u90fd\u5e94\u8be5\u4e0e\u4ed6\u4eec\u7684\u533b\u7597\u670d\u52a1\u63d0\u4f9b\u8005\u4ea4\u8c08\u5e76\u5c3d\u65e9\u542c\u53d6\u5efa\u8bae\u3002\u5982\u679c\u4e00\u4e2a\u4e00\u76f4\u83b7\u5f97\u6279\u51c6\u7684\u4eba\u7a81\u7136\u53d1\u73b0\u81ea\u5df1\u88ab\u62d2\u7edd\u4e86\uff0c\u8fd9\u53ef\u80fd\u8868\u660e\u4ed6\u4eec\u7684\u8d22\u52a1\u72b6\u51b5\u7d27\u5f20\u3002 <\/p>\n
\u201c\u4e0d\u8981\u53ea\u662f\u5728\u5176\u4ed6\u5730\u65b9\u5bfb\u627e\u4fe1\u8d37\uff0c\u503c\u5f97\u9000\u540e\u4e00\u6b65\u5e76\u5ba1\u67e5\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u3002\u201d<\/p>\n
\u6839\u636e\u65b0\u89c4\u5b9a\uff0c\u8d37\u6b3e\u673a\u6784\u5c06\u5728\u63d0\u4f9b\u4fe1\u8d37\u4e4b\u524d\u68c0\u67e5\u5ba2\u6237\u7684\u507f\u8fd8\u80fd\u529b\uff0c\u5e76\u5728\u7528\u6237\u6700\u7ec8\u9677\u5165\u8d22\u52a1\u56f0\u96be\u65f6\u63d0\u4f9b\u652f\u6301\u3002<\/p>\n
\u4e3a\u4e86\u6d4b\u8bd5\u8d1f\u62c5\u80fd\u529b\uff0c\u60f3\u8981\u4f7f\u7528 BNPL \u7684\u8d2d\u7269\u8005\u53ef\u80fd\u9700\u8981\u586b\u5199\u4e00\u4efd\u7b80\u77ed\u7684\u5728\u7ebf\u8c03\u67e5\u95ee\u5377\uff0c\u5176\u4e2d\u53ef\u80fd\u4f1a\u8be2\u95ee\u4ed6\u4eec\u7684\u5e74\u85aa\uff0c\u5e76\u5bf9\u4ed6\u4eec\u7684\u4fe1\u7528\u8bb0\u5f55\u8fdb\u884c\u201c\u8f6f\u641c\u7d22\u201d\u3002 <\/p>\n
\u8fd9\u662f\u8d37\u65b9\u67e5\u770b\u5ba2\u6237\u662f\u5426\u6709\u6309\u65f6\u8fd8\u6e05\u503a\u52a1\u7684\u8bb0\u5f55\u7684\u5730\u65b9\u3002\u6b64\u641c\u7d22\u4e0d\u4f1a\u5728\u4fe1\u7528\u8bb0\u5f55\u4e0a\u7559\u4e0b\u75d5\u8ff9\uff0c\u5176\u4ed6\u8d37\u65b9\u4e5f\u770b\u4e0d\u5230\u3002<\/p>\n
\u636e\u4f30\u8ba1\uff0c\u4e00\u65e6\u8fd9\u4e9b\u68c0\u67e5\u5230\u4f4d\uff0c\u591a\u8fbe\u4e09\u5206\u4e4b\u4e00\u7684\u7528\u6237\u53ef\u80fd\u65e0\u6cd5\u518d\u8bbf\u95ee BNPL\u3002<\/p>\n
\u503a\u52a1\u6148\u5584\u673a\u6784 StepChange \u7684\u7814\u7a76\u53d1\u73b0\uff0c11% \u7684\u6210\u5e74\u4eba\uff08\u76f8\u5f53\u4e8e 500 \u4e07\u4eba\uff09\u5728\u8fc7\u53bb 12 \u4e2a\u6708\u4e2d\u4f7f\u7528\u8fc7 BNPL\u3002\u56e0\u6b64\uff0c\u5927\u7ea6 165 \u4e07\u4eba\u73b0\u5728\u53ef\u80fd\u4f1a\u53d1\u73b0\u81ea\u5df1\u5728\u672a\u6765\u65e0\u6cd5\u4f7f\u7528\u5b83\u3002<\/p>\n
\u4f8b\u5982\uff0c\u8fd9\u53ef\u80fd\u610f\u5473\u7740\u7528\u6237\u53ef\u80fd\u5fc5\u987b\u6e05\u9664\u90e8\u5206\u672a\u507f\u503a\u52a1\uff0c\u624d\u80fd\u901a\u8fc7\u65b0\u7684\u8d1f\u62c5\u80fd\u529b\u68c0\u67e5\uff0c\u7136\u540e\u624d\u80fd\u518d\u6b21\u4f7f\u7528\u5b83\u3002<\/p>\n
\u4ece\u7406\u8bba\u4e0a\u8bb2\uff0c\u8fd9\u610f\u5473\u7740\u50cf\u514b\u6d1b\u4f0a\u8fd9\u6837\u627f\u62c5\u7684\u503a\u52a1\u8d85\u51fa\u5176\u627f\u53d7\u80fd\u529b\u7684\u5ba2\u6237\u5c06\u65e0\u6cd5\u9009\u62e9\u7a0d\u540e\u8fd8\u6b3e\u3002<\/p>\n
2025 \u5e74 3 \u6708\uff0cChloe \u5728\u503a\u52a1\u5931\u63a7\u540e\u5411 StepChange \u5bfb\u6c42\u5efa\u8bae\u3002\u5979\u6b20\u4e0b\u5927\u7ea6 2 \u4e07\u82f1\u9551\u7684\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u548c\u6cd5\u56fd\u56fd\u5bb6\u94f6\u884c (BNPL)\u3002\u5176\u4e2d\u5927\u7ea6 2,000 \u82f1\u9551\u662f\u4ea4\u7ed9 BNPL \u7684\u3002<\/p>\n
Chloe \u5728\u793e\u4ea4\u5a92\u4f53\u5e73\u53f0 TikTok \u4e0a\u8bb0\u5f55\u4e86\u5979\u7684\u60c5\u51b5\uff1a @chloesdebtdiaries<\/span>\uff0c\u5e76\u8868\u793a\u516c\u5f00\u8c08\u8bba\u8fd9\u4ef6\u4e8b\u53ef\u4ee5\u8ba9\u5979\u627f\u62c5\u8d23\u4efb\u3002\u5979\u6bcf\u6708\u4e3a\u503a\u52a1\u7ba1\u7406\u8ba1\u5212\u652f\u4ed8 690 \u82f1\u9551\uff0c\u5e76\u5e0c\u671b\u5728 8 \u6708\u4efd\u4e4b\u524d\u5168\u90e8\u8fd8\u6e05\u3002<\/p>\n \u503a\u52a1\u7ba1\u7406\u8ba1\u5212\u662f\u4e0e\u503a\u6743\u4eba\u8fbe\u6210\u7684\u4e00\u9879\u5b89\u6392\uff0c\u65e8\u5728\u5728\u7ea6\u5b9a\u671f\u9650\u5185\u507f\u8fd8\u60a8\u6240\u6b20\u7684\u6b3e\u9879\u3002\u867d\u7136\u5b83\u6ca1\u6709\u7834\u4ea7\u90a3\u4e48\u6781\u7aef\uff0c\u4f46\u5b83\u4ecd\u7136\u5bf9\u60a8\u7684\u4fe1\u7528\u8bb0\u5f55\u4ea7\u751f\u5f88\u5927\u5f71\u54cd\u3002 <\/p>\n \u4f46 Chloe \u8868\u793a\uff0c\u5c3d\u7ba1\u5979\u7684\u4fe1\u7528\u8bc4\u5206\u5f88\u5dee\uff0c\u800c\u4e14\u6ca1\u6709\u4fe1\u7528\u5361\u516c\u53f8\u4f1a\u4e0e\u5979\u4ea4\u8c08\uff0c\u56e0\u4e3a\u5979\u6b63\u5728\u8fdb\u884c\u503a\u52a1\u7ba1\u7406\u8ba1\u5212\uff0c\u4f46\u7531\u4e8e BNPL \u4e0d\u53d7\u76d1\u7ba1\uff0c\u5979\u4ecd\u7136\u53ef\u4ee5\u4f7f\u7528\u8be5\u8ba1\u5212\u3002<\/p>\n \u201c\u5bf9\u4e8e\u50cf\u6211\u8fd9\u6837\u6709\u6d88\u8d39\u95ee\u9898\u7684\u4eba\u6765\u8bf4\uff0c\u62e5\u6709\u5982\u6b64\u5bb9\u6613\u83b7\u5f97\u7684\u4e1c\u897f\u5e76\u4e0d\u597d\uff0c\u201d\u5979\u8bf4\u3002 \u201c\u4f60\u4f1a\u9677\u5165\u4f7f\u7528\u5b83\u7684\u5faa\u73af\u4e4b\u4e2d\u3002\u4ed6\u4eec\u4e0d\u5e94\u8be5\u501f\u94b1\u7ed9\u6211\u2014\u2014\u6211\u5b81\u613f\u4ed6\u4eec\u4e0d\u8ba9\u6211\u7528\u5b83\u3002<\/p>\n \u201c\u6628\u5929\u6211\u5c48\u670d\u4e86\uff0c\u82b1\u4e86 360 \u82f1\u9551\u4e70\u4e86\u65b0\u8863\u670d\u3002\u6211\u5f88\u56f0\u60d1\u6211\u80fd\u8fd9\u4e48\u505a\u2014\u2014\u6211\u77e5\u9053\u8fd9\u5f88\u7cdf\u7cd5\u3002<\/p>\n \u5979\u8865\u5145\u9053\u3002 \u201c\u6211\u8981\u6c42 BNPL \u516c\u53f8\u5c4f\u853d\u6211\u2014\u2014\u4ed6\u4eec\u5220\u9664\u4e86\u4f60\u7684\u8d26\u6237\uff0c\u4f46\u4f60\u53ef\u4ee5\u5f00\u8bbe\u4e00\u4e2a\u65b0\u8d26\u6237\u3002\u6bcf\u4e2a\u6708\u90fd\u8ba9\u6211\u9677\u5165\u6076\u6027\u5faa\u73af\u3002\u6211\u5bf9\u5b83\u4e0a\u763e\u4e86\u2014\u2014\u6211\u4e0d\u60f3\u518d\u7528\u5b83\u4e86\uff0c\u4f46\u5b83\u592a\u7b80\u5355\u4e86\u3002<\/p>\n \u201c\u6211\u4e0d\u64c5\u957f\u82b1\u94b1\u3002\u6211\u6ca1\u6709\u91d1\u878d\u77e5\u8bc6\uff0c\u4e5f\u4e0d\u77e5\u9053\u94b1\u662f\u5982\u4f55\u8fd0\u4f5c\u7684\u3002\u73b0\u5728\u6211\u6bcf\u4e2a\u6708\u6240\u6709\u7684\u94b1\u90fd\u7528\u6765\u507f\u8fd8\u503a\u52a1\u3002\u6211\u5e0c\u671b\u65b0\u89c4\u5b9a\u80fd\u5e2e\u52a9\u6211\u6700\u7ec8\u6212\u9664 BNPL \u7684\u4e60\u60ef\u3002\u201d<\/p>\n \u5229\u606f\uff1aKlarna \u63d0\u4f9b\u201c\u4e09\u671f\u4ed8\u6b3e\u201d\u9009\u9879\uff0c\u53ef\u5728\u4e09\u4e2a\u6708\u5185\u514d\u606f\u652f\u4ed8\u4e09\u7b14\u5229\u606f\u3002\u4f46\u5982\u679c\u60a8\u672a\u80fd\u6309\u65f6\u8fd8\u6b3e\uff0c\u5219\u4f1a\u6536\u53d6\u8d39\u7528<\/p>\n<\/div>\n FCA\u53d1\u8a00\u4eba\u8868\u793a\uff1a\u201c\u5148\u4e70\u540e\u4ed8\u53ef\u80fd\u662f\u4e00\u79cd\u6709\u7528\u7684\u4fe1\u8d37\u5f62\u5f0f\uff0c\u4f46\u4eba\u4eec\u5728\u4f7f\u7528\u5b83\u65f6\u5e94\u8be5\u53d7\u5230\u4fdd\u62a4\u3002\u201d <\/p>\n \u8d37\u65b9\u5e94\u68c0\u67e5\u5176\u5ba2\u6237\u662f\u5426\u6709\u80fd\u529b\u8fd8\u6b3e\u3002\u73b0\u5728\uff0c\u6570\u767e\u4e07\u5ba2\u6237\u5728\u6ce8\u518c\u524d\u5c06\u83b7\u5f97\u66f4\u6e05\u6670\u7684\u4fe1\u606f\uff0c\u5e76\u5728\u51fa\u73b0\u95ee\u9898\u65f6\u83b7\u5f97\u66f4\u597d\u7684\u652f\u6301\u3002\u201d<\/p>\n StepChange \u9996\u5e2d\u6267\u884c\u5b98\u7ef4\u57fa\u00b7\u5e03\u6717\u91cc\u5947 (Vikki Brownridge) \u8868\u793a\uff1a\u201c\u4e94\u5e74\u591a\u6765\uff0c\u6211\u4eec\u4e00\u76f4\u5728\u5bf9\u4e0d\u53d7\u76d1\u7ba1\u7684 BNPL \u53d1\u51fa\u8b66\u62a5\u3002<\/p>\n \u201c\u6beb\u65e0\u7591\u95ee\uff0cBNPL \u53ef\u4ee5\u6210\u4e3a\u4e00\u79cd\u6709\u7528\u7684\u4fe1\u8d37\u5f62\u5f0f\uff0c\u53ef\u4ee5\u5206\u644a\u5927\u989d\u652f\u51fa\u7684\u6210\u672c\uff0c\u4f46\u4e0e\u4efb\u4f55\u5f62\u5f0f\u7684\u4fe1\u8d37\u4e00\u6837\uff0c\u76d1\u7ba1\u5bf9\u4e8e\u5728\u51fa\u73b0\u95ee\u9898\u65f6\u4fdd\u62a4\u5ba2\u6237\u5e76\u786e\u4fdd\u4eba\u4eec\u4e0d\u4f1a\u5728\u65e0\u6cd5\u627f\u53d7\u7684\u60c5\u51b5\u4e0b\u83b7\u5f97\u4fe1\u8d37\u81f3\u5173\u91cd\u8981\u3002\u201d<\/p>\n BNPL \u4e8e 2014 \u5e74\u5728\u82f1\u56fd\u63a8\u51fa\uff0c\u73b0\u5df2\u53d8\u5f97\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce – \u636e\u4f30\u8ba1\uff0c\u5230 2026 \u5e74\uff0c\u901a\u8fc7\u8fd9\u79cd\u5f62\u5f0f\u7684\u4fe1\u8d37\u5c06\u82b1\u8d39 350 \u4ebf\u82f1\u9551\u3002\u4f46\u4f7f\u7528\u5b83\u7684\u4eba\u66f4\u6709\u53ef\u80fd\u9047\u5230\u8d44\u91d1\u95ee\u9898\u3002 <\/p>\n StepChange \u7684\u6570\u636e\u663e\u793a\uff0c\u4f30\u8ba1 BNPL \u4f7f\u7528\u8005\u4e2d\u6709 41% \u7684\u4eba\u5b58\u5728\u503a\u52a1\u95ee\u9898\uff0c\u800c\u66f4\u5e7f\u6cdb\u7684\u4eba\u7fa4\u4e2d\u8fd9\u4e00\u6bd4\u4f8b\u4e3a 8%\u3002\u5927\u7ea6 3% \u7684\u4eba\u751a\u81f3\u4f7f\u7528 BNPL \u6765\u652f\u4ed8\u57fa\u672c\u7684\u5bb6\u5ead\u8d26\u5355\u3002<\/p>\n \u4fdd\u7f57\u00b7\u7a46\u8d6b\u5170\u5c31\u662f\u5176\u4e2d\u4e4b\u4e00\u3002\u4e00\u5e74\u524d\uff0c\u4ed6\u5f00\u59cb\u4f7f\u7528 BNPL \u8d2d\u4e70\u98df\u54c1\u6742\u8d27\u548c\u670d\u88c5\uff0c\u56e0\u4e3a\u4ed6\u5f88\u96be\u8d1f\u62c5\u57fa\u672c\u751f\u6d3b\u5fc5\u9700\u54c1\uff0c\u5e76\u8ba4\u4e3a\u8fd9\u662f\u63a8\u8fdf\u8d39\u7528\u7684\u6709\u6548\u65b9\u5f0f\u3002\u73b0\u5728\u4ed6\u5728\u6cd5\u56fd\u56fd\u5bb6\u94f6\u884c (BNPL) \u7684\u503a\u52a1\u5df2\u8d85\u8fc7 2,000 \u82f1\u9551\u3002<\/p>\n ‘\u8fd9\u5c31\u50cf\u4e00\u79cd\u836f\u7269\u3002\u5b83\u592a\u5bb9\u6613\u4f7f\u7528\u4e86\uff0c\u800c\u4e14\u4f1a\u8ba9\u4f60\u4e0d\u77e5\u6240\u63aa\u3002\u7136\u540e\uff0c\u5f53\u4f60\u8bd5\u56fe\u51fa\u53bb\u65f6\uff0c\u4f60\u5c31\u65e0\u6cd5\u51fa\u53bb\uff0c\u201d\u4f4f\u5728\u8d1d\u5c14\u6cd5\u65af\u7279\u7684 69 \u5c81\u4fdd\u7f57\u8bf4\u3002<\/p>\n \u4e0e Chloe \u7684\u60c5\u51b5\u7c7b\u4f3c\uff0cPaul \u8868\u793a\uff0c\u4ed6\u9677\u5165\u4e86\u7528\u81ea\u5df1\u7684\u6536\u5165\u507f\u8fd8 BNPL \u503a\u52a1\u7684\u6076\u6027\u5faa\u73af\uff0c\u8fd9\u5c06\u4f7f\u4ed6\u51e0\u4e4e\u65e0\u6cd5\u7ef4\u6301\u751f\u8ba1\uff0c\u56e0\u6b64\u4ed6\u5fc5\u987b\u8f6c\u5411\u4ed8\u6b3e\u65b9\u5f0f\u624d\u80fd\u5ea6\u65e5\u3002<\/p>\n \u4ed6\u8bf4\uff1a\u201c\u4ed6\u4eec\u4e0d\u4f1a\u53d1\u51fa\u58f0\u660e\u6216\u4fe1\u4ef6\uff0c\u6240\u4ee5\u4f60\u4f1a\u5728\u4e0d\u77e5\u4e0d\u89c9\u4e2d\u8d8a\u9677\u8d8a\u6df1\u3002\u201d<\/p>\n \u201c\u5f53\u6211\u767b\u5f55\u7f51\u7ad9\u67e5\u770b\u8d26\u6237\u540e\uff0c\u6211\u624d\u77e5\u9053\u81ea\u5df1\u6b20\u4e86\u591a\u5c11\u94b1\u3002\u8fd9\u4e0d\u662f\u4e00\u4e2a\u5927\u6570\u76ee\uff0c\u4f46\u5982\u679c\u4f60\u6ca1\u6709\u7684\u8bdd\uff0c2000\u82f1\u9551\u5c31\u5f88\u591a\u4e86\u3002\u201d<\/p>\n \u4fdd\u7f57\u5df2\u7ecf\u9000\u4f11\uff0c\u9760\u56fd\u5bb6\u517b\u8001\u91d1\u548c\u516c\u52a1\u5458\u5de5\u4f5c\u7684\u5c0f\u989d\u517b\u8001\u91d1\u751f\u6d3b\u3002\u4f46\u4ed6\u8bf4\uff0c\u5728\u652f\u4ed8\u4e86\u6bcf\u6708 635 \u82f1\u9551\u7684\u79df\u91d1\u540e\uff0c\u6240\u5269\u65e0\u51e0\u3002<\/p>\n \u4ed6\u5f00\u59cb\u4f7f\u7528 BNPL \u6765\u5e2e\u52a9\u5236\u5b9a\u5bb6\u5ead\u5fc5\u9700\u54c1\u7684\u9884\u7b97\u3002\u4ed6\u8bf4\uff1a\u201c\u5f53\u6211\u5f00\u59cb\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u65b9\u5f0f\u65f6\uff0c\u6211\u4e0d\u5f97\u4e0d\u5728\u7ed9\u516c\u5bd3\u4f9b\u6696\u548c\u8d2d\u4e70\u98df\u7269\u4e4b\u95f4\u505a\u51fa\u9009\u62e9\u3002\u5b83\u6ca1\u6709\u767b\u8bb0\u4e3a\u503a\u52a1\u3002 <\/p>\n \u5982\u679c\u4f60\u7533\u8bf7\u8d37\u6b3e\uff0c\u4f60\u4e0d\u4f1a\u6536\u5230\u4efb\u4f55\u8b66\u544a\uff0c\u544a\u8bc9\u4f60\u5982\u679c\u65e0\u6cd5\u8fd8\u6e05\u8d37\u6b3e\u4f1a\u53d1\u751f\u4ec0\u4e48\u3002<\/p>\n \u201c\u7136\u540e\u4f60\u5c31\u9677\u5165\u4e86\u4e00\u4e2a\u5faa\u73af\uff0c\u4f60\u6240\u6709\u7684\u94b1\u90fd\u7528\u6765\u507f\u8fd8\u503a\u52a1\u4e86\u3002\u201d<\/p>\n \u4eca\u5e74\u65e9\u4e9b\u65f6\u5019\uff0c\u4ed6\u7ec8\u4e8e\u5411\u503a\u52a1\u6148\u5584\u673a\u6784 Money Wellness \u5bfb\u6c42\u5b9e\u9645\u5e2e\u52a9\u3002\u4ed6\u73b0\u5728\u5df2\u7ecf\u5f00\u59cb\u4e86\u4e00\u9879\u4ed8\u6b3e\u8ba1\u5212\uff0c\u5e0c\u671b\u5728\u4e09\u5e74\u5185\u8fd8\u6e05\u503a\u52a1\uff0c\u6bcf\u6708\u652f\u4ed8 95 \u82f1\u9551\u3002<\/p>\n \u4ed6\u8bf4\uff1a\u201c\u653f\u5e9c\u5e94\u8be5\u63d0\u4f9b\u66f4\u591a\u5e2e\u52a9\uff0c\u5e94\u8be5\u5bf9\u4f7f\u7528\u8fd9\u4e9b\u652f\u4ed8\u65b9\u5f0f\u53d1\u51fa\u66f4\u591a\u8b66\u544a\uff0c\u5e76\u5e2e\u52a9\u4eba\u4eec\u4e86\u89e3\u5982\u4f55\u4f7f\u7528\u5b83\u4eec\u3002\u201d<\/p>\n Money Wellness \u7684\u5e0c\u5170\u8868\u793a\uff1a\u201c\u4e00\u4e9b\u4ee5\u524d\u83b7\u5f97\u6279\u51c6\u7684\u4eba\u73b0\u5728\u53ef\u80fd\u4f1a\u53d1\u73b0\u81ea\u5df1\u88ab\u62d2\u7edd\u4e86\uff0c\u4f46\u8fd9\u4e0d\u5e94\u88ab\u89c6\u4e3a\u7ee7\u7eed\u5728\u5176\u4ed6\u5730\u65b9\u7533\u8bf7\u7684\u7406\u7531\u3002\u201d <\/p>\n \u8fd9\u662f\u4e00\u4e2a\u4ed4\u7ec6\u5ba1\u89c6\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u5e76\u8003\u8651\u63a5\u53d7\u66f4\u591a\u4fe1\u8d37\u662f\u5426\u771f\u7684\u662f\u6b63\u786e\u9009\u62e9\u7684\u673a\u4f1a\u3002<\/p>\n \u201c\u5982\u679c\u4f7f\u7528\u5f97\u5f53\uff0cBNPL \u53ef\u4ee5\u5e2e\u52a9\u4eba\u4eec\u5206\u644a\u4ed6\u4eec\u77e5\u9053\u53ef\u4ee5\u507f\u8fd8\u7684\u8d39\u7528\u3002\u4f46\u5982\u679c\u4f60\u4f9d\u9760\u4fe1\u8d37\u6765\u652f\u4ed8\u65e5\u5e38\u5fc5\u9700\u54c1\uff0c\u8fd9\u901a\u5e38\u8868\u660e\u4f60\u53ef\u80fd\u9700\u8981\u4e00\u4e9b\u8d44\u91d1\u652f\u6301\uff0c\u800c\u4e0d\u662f\u53e6\u4e00\u7b14\u8fd8\u6b3e\u6765\u7ba1\u7406\u3002<\/p>\n \u5982\u679c\u60a8\u6b63\u4e3a\u503a\u52a1\u800c\u82e6\u82e6\u6323\u624e\uff0c\u8bf7\u4e0d\u8981\u628a\u5934\u57cb\u5728\u6c99\u5b50\u91cc\u2014\u2014\u4e0e\u60a8\u7684\u8d37\u65b9\u8ba8\u8bba\u4ed8\u6b3e\u65b9\u5f0f\u3002 StepChange\u3001Money Wellness \u548c Citizens Advice \u7b49\u6148\u5584\u673a\u6784\u4e5f\u53ef\u4ee5\u63d0\u4f9b\u514d\u8d39\u3001\u516c\u6b63\u7684\u5efa\u8bae\uff0c\u5e76\u6307\u5bfc\u60a8\u83b7\u5f97\u5b9e\u9645\u5e2e\u52a9\u3002<\/p>\n Moneymail@dailymail.co.uk<\/span><\/p>\n #\u4e07\u8d2d\u7269\u8005\u53ef\u80fd\u88ab\u7981\u6b62\u4f7f\u7528 #Klarna #TODAY #\u7b49\u5148\u4e70\u540e\u4ed8\u4f18\u60e0<\/p>\n","protected":false},"excerpt":{"rendered":" Chloe \u7b2c\u4e00\u6b21\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d(BNPL) \u65f6\uff0c\u5979\u751a\u81f3\u6ca1… <\/p>\n","protected":false},"author":1,"featured_media":3077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[3778,3779,3777,19,3780,20],"class_list":["post-3076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-17","tag-klarna","tag-today","tag-3777","tag-19","tag-3780","tag-20"],"_links":{"self":[{"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/posts\/3076","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/comments?post=3076"}],"version-history":[{"count":0,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/posts\/3076\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/media\/3077"}],"wp:attachment":[{"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/media?parent=3076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/categories?post=3076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/losangeleschinesenews.com\/index.php\/wp-json\/wp\/v2\/tags?post=3076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\u5229\u606f\uff1aKlarna](\"https:\/\/i.dailymail.com\/1s\/2026\/07\/14\/23\/110019571-15978017-image-a-37_1784069735256.jpg\")
<\/div>\n<\/p><\/div>\n\u8fd9\u662f\u91d1\u94b1\u64ad\u5ba2<\/h3>\n<\/section>\n<\/div>\n