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\u3000\u30001<\/strong><\/p>\n \u4e8b\u5b9e\u4e0a\uff0c\u65e9\u5728\u53bb\u5e747\u6708\uff0c\u99a8\u91d1\u878d\u5c31\u5199\u8fc7\u4e00\u7bc7\u5173\u4e8e\u4fe1\u7528\u5361\u4ee3\u507f\u7684\u7a3f\u4ef6\uff0c\u90a3\u65f6\uff0c\u8fd9\u4e2a\u7ec6\u5206\u9886\u57df\u624d\u521a\u521a\u9732\u51fa\u82d7\u5934\u3002\u6240\u8c13\u4fe1\u7528\u5361\u4ee3\u507f\uff0c\u53c8\u79f0\u4f59\u989d\u4ee3\u507f(balance transfer\uff0c\u7b80\u79f0BT)\uff0c\u5728\u6b27\u7f8e\u7b49\u4fe1\u7528\u5361\u6e17\u900f\u7387\u8f83\u9ad8\u7684\u5730\u533a\u662f\u4e2a\u5e38\u89c1\u7684\u4f34\u751f\u4e1a\u52a1\u3002<\/p>\n 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\u5f53\u7136\uff0c\u6709\u4e00\u90e8\u5206\u539f\u56e0\u662f\uff0c\u8ddf\u817e\u8baf\u7684\u5927\u90e8\u5206\u4ea7\u54c1\u4e00\u6837\uff0c\u5fae\u4e50\u5206\u4e5f\u662f\u5b9e\u884c\u767d\u540d\u5355\u5236\uff0c\u5373\u53ea\u5bf9\u90e8\u5206\u7528\u6237\u5f00\u653e\uff0c\u8986\u76d6\u9762\u6709\u9650\u3002\u76ee\u524d\uff0c\u4f7f\u7528\u5fae\u4e50\u5206\u4e3b\u8981\u6709\u4e24\u4e2a\u6e20\u9053\uff1a<\/strong><\/p>\n 1\u3001\u53d7\u9080\u7528\u6237\u53ef\u5728\u201c\u5fae\u4fe1-\u6211-\u94b1\u5305-\u4fe1\u7528\u5361\u8fd8\u6b3e-\u66f4\u591a\u8fd8\u6b3e\u65b9\u5f0f\u201d\u4e2d\u627e\u5230\u201c\u5206\u671f\u8fd8\u6b3e\u201d\uff0c\u70b9\u51fb\u5373\u53ef\u4f53\u9a8c\u4ea7\u54c1\uff08\u5e76\u672a\u5411\u6240\u6709\u7528\u6237\u5f00\u653e\uff09\u3002<\/p>\n 2\u3001\u76ee\u524d\u53ef\u4ee5\u5728\u5fae\u4fe1\u4e0a\u901a\u8fc7\u641c\u7d22\u53ca\u5173\u6ce8\u516c\u4f17\u53f7\u201c\u5fae\u4e50\u5206\u201d\u770b\u5230\u5165\u53e3\uff0c\u70b9\u51fb\u201c\u8fdb\u5165\u5fae\u4e50\u5206\u201d\u6309\u94ae\u5373\u53ef\u4f53\u9a8c\u4ea7\u54c1\u3002<\/p>\n \u4e8e2017\u5e74\u4e0a\u7ebf\u7684\u5fae\u4e50\u5206\u662f\u7ee7\"\u5fae\u7c92\u8d37\"\u4e4b\u540e\u817e\u8baf\u63a8\u51fa\u7684\u53c8\u4e00\u6b3e\u7eaf\u7ebf\u4e0a\u4e2a\u4eba\u5c0f\u989d\u4fe1\u7528\u5faa\u73af\u8d37\u6b3e\u4ea7\u54c1\uff0c\u7528\u4e8e\u507f\u8fd8\u4fe1\u7528\u5361\u6b20\u6b3e\uff0c\u6700\u9ad8\u501f\u6b3e\u989d\u5ea6\u53ef\u8fbe3\u4e07\u5143\uff0c\u968f\u501f\u968f\u8fd8\uff0c\u6309\u65e5\u8ba1\u606f\u3002<\/p>\n \u4e8b\u5b9e\u4e0a\uff0c\u9664\u4e86\u817e\u8baf\u4e4b\u5916\uff0c\u5305\u62ec\u62db\u884c\u7b49\u5546\u4e1a\u94f6\u884c\uff0c\u62db\u8054\u7b49\u6d88\u8d39\u91d1\u878d\u516c\u53f8\u4e5f\u5747\u5728\u8fd9\u4e00\u4e24\u5e74\u4e0a\u7ebf\u4e86\u81ea\u5df1\u7684\u4fe1\u7528\u5361\u4ee3\u507f\u4ea7\u54c1\u3002<\/p>\n \u3000\u30002<\/strong><\/p>\n \u5176\u5b9e\u5728\u7f8e\u56fd\uff0c\u4fe1\u7528\u5361\u4ee3\u507f\u4e1a\u52a1\u5df2\u7ecf\u53d1\u5c55\u8f83\u4e3a\u6210\u719f\uff0c\u5b83\u4e3b\u8981\u7531\u94f6\u884c\u3001\u4fe1\u7528\u5361\u516c\u53f8\uff0c\u4ee5\u53ca\u540e\u671f\u5982Lending Club\u7b49\u7f51\u7edc\u501f\u8d37\u673a\u6784\u63d0\u4f9b\uff0c\u662f\u5b83\u4eec\u4e89\u593a\u65b0\u5ba2\u6237\uff0c\u6216\u8005\u5bf9\u73b0\u6709\u5ba2\u6237\u8fdb\u884c\u8d44\u4ea7\u7ba1\u7406\u7684\u5e38\u7528\u624b\u6bb5\u3002<\/p>\n 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\u4ee5\u521a\u521a\u62ab\u9732\u62db\u80a1\u4e66\u7684\u8428\u6469\u8036\u91d1\u670d\u4e3a\u4f8b\uff0c\u5176\u4ea7\u54c1\u7684\u52a0\u6743\u5e73\u5747\u5e74\u5316\u8d39\u7387\u572818.25%\u4ee5\u4e0b\uff08IRR\u53e3\u5f84\uff09\uff0c\u5176\u4e2d2017\u5e74\u5168\u5e74\u548c2018\u5e74\u4e0a\u534a\u5e74\u7684\u52a0\u6743\u5e73\u5747\u5e74\u5316\u8d39\u7387\u5206\u522b\u4e3a15.1%\u548c15.5%\uff0c\u4f4e\u4e8e\u94f6\u884c\u81ea\u8425\u4fe1\u7528\u5361\u5206\u671f\u8d39\u7387\u3002<\/p>\n 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