{"id":83133,"date":"2021-01-11T05:10:29","date_gmt":"2021-01-11T05:10:29","guid":{"rendered":"https:\/\/www.alj.com\/?post_type=perspective&#038;p=83133"},"modified":"2022-01-14T12:58:58","modified_gmt":"2022-01-14T12:58:58","slug":"%e9%87%91%e8%9e%8d%e4%b8%9a%e4%ba%9f%e5%be%85%e6%8a%80%e6%9c%af%e8%bd%ac%e5%9e%8b","status":"publish","type":"perspective","link":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e4%b8%9a%e4%ba%9f%e5%be%85%e6%8a%80%e6%9c%af%e8%bd%ac%e5%9e%8b\/","title":{"rendered":"\u91d1\u878d\u4e1a\u4e9f\u5f85\u6280\u672f\u8f6c\u578b"},"content":{"rendered":"<p>\u968f\u7740\u6280\u672f\u7684\u98de\u901f\u53d1\u5c55\uff0c\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u7684\u672a\u6765\u6210\u529f\u5c06\u53d6\u51b3\u4e8e\u8c01\u80fd\u591f\u6700\u8fc5\u901f\u5730\u5229\u7528\u8fd9\u4e9b\u53d8\u5316\u5e76\u53d1\u6325\u6700\u5927\u7684\u5f71\u54cd\u529b\u3002<\/p>\n<p>\u91d1\u878d\u516c\u53f8\u8fc7\u53bb\u7ed9\u4eba\u7684\u5370\u8c61\u662f\u975e\u5e38\u7a33\u5065\u7684\u673a\u6784\uff0c\u7eb5\u7136\u5468\u56f4\u4e16\u754c\u4e0d\u65ad\u53d8\u5316\u4e5f\u4f9d\u7136\u5c79\u7acb\u4e0d\u5012\uff0c\u5982\u4eca\u5df2\u7ecf\u4e00\u53bb\u4e0d\u590d\u8fd4\u4e86\u3002<\/p>\n<p>\u76f8\u53cd\uff0c\u4eca\u5929\u7684\u91d1\u878d\u670d\u52a1\u4f01\u4e1a\u5fc5\u987b\u5c55\u73b0\u66f4\u6709\u6d3b\u529b\u7684\u5f62\u8c61\u3002\u5728\u5145\u5206\u5229\u7528\u6700\u65b0\u521b\u65b0\u6210\u679c\u7684\u540c\u65f6\uff0c\u7075\u6d3b\u6ee1\u8db3\u6d88\u8d39\u8005\u5feb\u901f\u53d8\u5316\u7684\u9700\u6c42\u3002<\/p>\n<p>\u6280\u672f\u662f\u8fd9\u573a\u9769\u547d\u7684\u63a8\u52a8\u8005\u548c\u8d4b\u80fd\u8005\u3002\u4f20\u7edf\u94f6\u884c\u8f93\u7ed9\u4e86\u79d1\u6280\u5de8\u5934\uff1a\u82f9\u679c\u3001\u8c37\u6b4c\u3001Facebook\u3001\u5fae\u8f6f\u3001\u4e9a\u9a6c\u900a\u548c\u5176\u4ed6\u516c\u53f8\u3002\u540c\u6837\uff0c\u521b\u4e1a\u516c\u53f8\u4e5f\u5728\u52aa\u529b\u4fdd\u6301\u4e0e\u8fd9\u4e9b\u884c\u4e1a\u5de8\u5934\u7684\u7ade\u4e89\u52bf\u5934\uff0c\u56e0\u4e3a\u4ed6\u4eec\u7684\u5929\u6027\u5c31\u662f\u628a\u624b\u6307\u653e\u5728\u2026\u2026\u7684\u6309\u94ae\u4e0a 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ATM \u63d0\u53d6\u73b0\u91d1\u6216\u5b58\u6b3e\u7684\u60c5\u51b5\u8d8a\u6765\u8d8a\u5c11\u3002\u5341\u5e74\u524d\uff0c10 \u7b14\u4ea4\u6613\u4e2d\u5c31\u6709 6 \u7b14\u4f7f\u7528\u73b0\u91d1\u4ea4\u6613\uff0c\u4f46\u5230 2019 \u5e74\uff0c10 \u6b21\u8d2d\u7269\u4e2d\u4f7f\u7528\u73b0\u91d1\u7684\u6b21\u6570\u4e0d\u5230 3 \u6b21<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u3002 \u5c31\u5728\u51e0\u5e74\u524d\uff0c\u4e2a\u4eba\u548c\u4f01\u4e1a\u94f6\u884c\u4e1a\u52a1\u7684\u672a\u6765\u4f3c\u4e4e\u662f<em>\u7ebf\u4e0a<\/em>\u4ea4\u6613\uff0c\u73b0\u5728\uff0c<em>\u79fb\u52a8<\/em>\u4ea4\u6613\u7684\u5230\u6765\u8ba9\u7ebf\u4e0a\u94f6\u884c\u4e1a\u52a1\u4e5f\u663e\u5f97\u9648\u65e7\u8fc7\u65f6\u3002\u94f6\u884c\u4e1a\u4ec5\u4ec5\u662f\u91d1\u878d\u670d\u52a1\u7684\u51b0\u5c71\u4e00\u89d2\u3002<\/p>\n<p>\u6b22\u8fce\u6765\u5230\u201c\u5d4c\u5165\u5f0f\u91d1\u878d\u201d\u4e16\u754c\u3002<\/p>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u63cf\u7ed8\u4e86\u975e\u91d1\u878d\u4f01\u4e1a\u5982\u4f55\u5c06\u5ba2\u6237\u76f4\u63a5\u8fde\u63a5\u5230\u91d1\u878d\u4ea4\u6613\u7cfb\u7edf\u4e2d\uff0c\u5ba2\u6237\u4e0d\u9700\u8981\u4e0e\u91d1\u878d\u4f9b\u5e94\u5546\u5355\u72ec\u4e92\u52a8\u3002\u5b83\u65e0\u7f1d\u8854\u63a5\uff0c\u6709\u65f6\u51e0\u4e4e\u5bdf\u89c9\u4e0d\u5230\u3002\u53ef\u4ee5\u9884\u8ba2\u5730\u56fe\u4e0a\u663e\u793a\u7684\u9152\u5e97\u6216\u9910\u9986\u5e76\u652f\u4ed8\u8d39\u7528\u7684\u536b\u661f\u5bfc\u822a\u7cfb\u7edf\u3002\u6216\u8005\u5728\u9500\u552e\u70b9\u63d0\u4f9b\u201c\u6309\u6708\u652f\u4ed8\u201d\u5957\u9910\u7684\u5728\u7ebf\u96f6\u552e\u5546\uff0c\u7701\u53bb\u4e86\u5ba2\u6237\u5728\u5176\u4ed6\u5730\u65b9\u5bfb\u627e\u4fe1\u8d37\u7684\u9ebb\u70e6\u3002<\/p>\n<p>\u5bf9\u4e8e\u6d88\u8d39\u8005\u6765\u8bf4\uff0c\u8fd9\u6837\u7684\u521b\u65b0\u610f\u5473\u7740\u8017\u65f6\u66f4\u5c11\u3001\u9ebb\u70e6\u66f4\u5c11\uff0c\u5728\u5f53\u4eca\u4e16\u754c\uff0c\u65b9\u4fbf\u624d\u662f\u738b\u9053\u3002<\/p>\n<figure id=\"attachment_52292\" aria-describedby=\"caption-attachment-52292\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52292\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52292\" class=\"wp-caption-text\">\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8\u9996\u5e2d\u91d1\u878d\u670d\u52a1\u5b98 Nil\u00fcferG\u00fcnhan<\/figcaption><\/figure>\n<p>\u6839\u636e\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8\u9996\u5e2d\u91d1\u878d\u670d\u52a1\u5b98 <a href=\"https:\/\/www.alj.com\/en\/our-people\/nilufer-gunhan\/\">Nil\u00fcferG\u00fcnhan<\/a> \u7684\u8bf4\u6cd5\uff0c\u4e2a\u4eba\u8d37\u6b3e\u3001\u652f\u4ed8\u3001\u8d22\u5bcc\u548c\u4fdd\u9669\u5f88\u53ef\u80fd\u4f1a\u6210\u4e3a\u6d88\u8d39\u8005\u751f\u6d3b\u65b9\u5f0f\u4e2d\u9996\u6279\u4e0d\u53ef\u6216\u7f3a\u7684\u670d\u52a1\uff0c\u5bf9\u5355\u4e00\u63d0\u4f9b\u5546\u7684\u5fe0\u8bda\u5ea6\u5c06\u6d88\u5931\u3002<\/p>\n<p><em>\u201c\u5728\u4e0d\u4e45\u7684\u5c06\u6765\uff0c\u4f5c\u4e3a\u6d88\u8d39\u8005\uff0c\u6211\u4eec\u4e0d\u5173\u5fc3\u54ea\u5bb6\u94f6\u884c\u3001\u6d88\u8d39\u8005\u91d1\u878d\u516c\u53f8\u6216\u4fdd\u9669\u516c\u53f8\u51fa\u552e\u6211\u4eec\u9700\u8981\u7684\u4e1c\u897f\u3002\u6211\u4eec\u53ea\u63a5\u53d7\u7b26\u5408\u6211\u4eec\u7684\u9700\u6c42\u3001\u6070\u5de7\u5728\u6211\u4eec\u9700\u8981\u65f6\u51fa\u73b0\u7684\u670d\u52a1\u6216\u89e3\u51b3\u65b9\u6848\uff0c\u201d<\/em>\u5979\u8bf4\u9053\u3002<\/p>\n<p>\u8001\u724c\u516c\u53f8\u548c\u65b0\u516c\u53f8\u90fd\u9700\u8981\u8fc5\u901f\u884c\u52a8\u8d77\u6765\uff0c\u6316\u6398\u8fd9\u4e00\u65b0\u9886\u57df\u7684\u6f5c\u529b\u3002<\/p>\n<p><em>\u201c\u95ee\u9898\u4e0d\u5728\u4e8e\u79d1\u6280\u516c\u53f8\u4f1a\u4ee5\u591a\u5feb\u7684\u901f\u5ea6\u6210\u4e3a\u6c7d\u8f66\u516c\u53f8\uff0c\u800c\u5728\u4e8e\u6211\u4eec\u4f1a\u4ee5\u591a\u5feb\u7684\u901f\u5ea6\u6210\u4e3a\u4e00\u5bb6\u79d1\u6280\u516c\u53f8\uff0c\u201d<\/em> \u4e00\u4f4d\u5168\u7403\u6c7d\u8f66\u516c\u53f8\u7684\u8001\u677f\u5411\u7ba1\u7406\u54a8\u8be2\u516c\u53f8\u9ea6\u80af\u9521\u89e3\u91ca\u5230\u3002<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/p>\n<p>\u7684\u786e\uff0c\u91d1\u878d\u6280\u672f (fintech) \u884c\u4e1a\u9884\u8ba1\uff0c\u5230\u8fd9\u4e2a\u5341\u5e74\u7ed3\u675f\u7684\u65f6\u5019\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u5c06\u6210\u4e3a\u5e38\u6001\uff0c\u5927\u578b\u79d1\u6280\u516c\u53f8\u5c06\u5360\u636e\u4e3b\u5bfc\uff0c\u6216\u4e0e\u94f6\u884c\u5e73\u8d77\u5e73\u5750\u3002\u5728\u4e00\u9879\u9488\u5bf9 125 \u540d\u91d1\u878d\u79d1\u6280\u9ad8\u7ba1\u7684\u5185\u90e8\u8c03\u67e5\u4e2d\uff0c8.8% \u7684\u53d7\u8bbf\u8005\u9884\u6d4b 2030 \u5e74\u4e4b\u524d\u5927\u578b\u79d1\u6280\u516c\u53f8\u5c06\u4e3b\u5bfc\u91d1\u878d\u670d\u52a1\u5e02\u573a\uff0c28% \u7684\u53d7\u8bbf\u8005\u9884\u8ba1\u5927\u578b\u79d1\u6280\u516c\u53f8\u5c06\u5360\u636e\u4e3b\u5bfc\uff0c\u4f46\u4ecd\u7136\u6709\u8d56\u4e8e\u94f6\u884c\u7684\u76d1\u7ba1\uff0c24% \u7684\u53d7\u8bbf\u8005\u5219\u9884\u8ba1\u5927\u578b\u79d1\u6280\u516c\u53f8\u5c06\u4e0e\u94f6\u884c\u5e73\u5206\u79cb\u8272\u3002<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83065\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Fintechs-Views.jpg\" alt=\"ALJ Financial Services Fintechs Views\" width=\"2560\" height=\"2355\" \/><\/p>\n<p>\u4e3a\u5728\u91d1\u878d\u9886\u57df\u7ad9\u7a33\u811a\u8ddf\uff0c\u5927\u578b\u79d1\u6280\u516c\u53f8\u4e0d\u65ad\u5bfb\u6c42\u4e0e\u7ecf\u9a8c\u4e30\u5bcc\u7684\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u5408\u4f5c\uff0c\u8fd9\u4e00\u8d8b\u52bf\u5df2\u7ecf\u5f88\u660e\u663e\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\" wp-image-83086 alignleft\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1024x576.jpg\" alt=\"\" width=\"572\" height=\"322\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1024x576.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-300x169.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-768x432.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1536x864.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card.jpg 1920w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/>\u00a0\u4f8b\u5982\uff0c\u82f9\u679c\u5728 2019 \u5e74\u63a8\u51fa\u4e86\u9996\u5f20\u4fe1\u7528\u5361\u3002\u6b64\u5361\u662f\u4e0e\u9ad8\u76db\u8054\u624b\u63a8\u51fa\u7684\uff0c\u4e0e iPhone \u7684\u6570\u5b57\u94b1\u5305\u96c6\u6210\u3002<\/p>\n<p>\u4f7f\u7528\u6b64\u5361\u6216\u672a\u4ed8\u6b3e\u4e0d\u6536\u53d6\u4efb\u4f55\u8d39\u7528\uff0c\u6bcf\u7b14\u4ea4\u6613\u5411\u7b2c\u4e09\u65b9\u63d0\u4f9b\u5546\uff08\u5982 Uber \u7684\u6253\u8f66\u548c\u9001\u9910\u670d\u52a1\uff09\u8fd4\u73b0 3%\u3002\u7cbe\u901a\u6280\u672f\u7684\u5343\u79a7\u4e00\u4ee3\u662f\u6838\u5fc3\u5e02\u573a\u3002<\/p>\n<p>\u540c\u65f6\uff0c\u8c37\u6b4c\u9080\u8bf7\u6d88\u8d39\u8005\u4ece 2021 \u5e74\u5f00\u59cb\u5f00\u8bbe\u6570\u5b57\u94f6\u884c\u5e10\u6237\u3002\u5b83\u4e0e\u5305\u62ec\u82b1\u65d7\u94f6\u884c\u5728\u5185\u7684 11 \u5bb6\u94f6\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u643a\u624b\u63a8\u51fa Plex \u5e10\u6237\uff0c\u8be5\u8d26\u6237\u5c06\u5728 Google Pay \u6846\u67b6\u5185\u8fd0\u884c\u3002\u8c37\u6b4c\u6b63\u5728\u5229\u7528\u5176 Gmail \u8f6f\u4ef6\u6709\u540d\u7684\u53ef\u641c\u7d22\u6027\uff0c\u5e2e\u52a9\u5ba2\u6237\u66f4\u597d\u5730\u5206\u7c7b\u548c\u4e86\u89e3\u4ed6\u4eec\u7684\u652f\u51fa\u3002<\/p>\n<p>\u987a\u5e26\u4e00\u63d0\uff0cFacebook \u6b63\u5728\u8c03\u67e5\u662f\u5426\u6709\u53ef\u80fd\u5f15\u5165\u81ea\u5df1\u7684\u6570\u5b57\u8d27\u5e01 Libra\uff0c\u201c\u4e0e\u4e00\u7bee\u5b50\u8d27\u5e01\u548c\u653f\u5e9c\u503a\u52a1\u6302\u94a9\u201d<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>\u3002Facebook \u7684\u76ee\u6807\u662f\u8ba9\u5168\u7403\u652f\u4ed8\u7cfb\u7edf\u66f4\u5feb\u901f\u3001\u66f4\u4fbf\u5b9c\u3002<\/p>\n<p>\u7136\u800c\uff0c\u5230\u76ee\u524d\u4e3a\u6b62\uff0cLibra \u7684\u8fdb\u5c55\u5e76\u975e\u4e00\u5e06\u98ce\u987a\u3002\u8fd9\u4e2a\u4f8b\u5b50\u8868\u660e\uff0c\u5982\u679c\u5927\u578b\u9ad8\u79d1\u6280\u516c\u53f8\u4f4e\u4f30\u5728\u5982\u6b64\u654f\u611f\u7684\u5e02\u573a\u4e2d\u9700\u8981\u514b\u670d\u7684\u6311\u6218\uff0c\u5c24\u5176\u662f\u5728\u7acb\u6cd5\u548c\u76d1\u7ba1\u5408\u89c4\u65b9\u9762\uff0c\u5c31\u53ef\u80fd\u4f1a\u51fa\u9519\u3002<\/p>\n<h2>\u643a\u624b\u6709\u52a9\u4e8e\u514b\u670d\u969c\u788d<\/h2>\n<p>Facebook \u63d0\u51fa Libra \u7684\u8ba1\u5212\u7eb2\u8981\u65f6\uff0c\u8feb\u4e8e\u7f8e\u56fd\u653f\u5e9c\u7684\u538b\u529b\uff0c\u4e0d\u5f97\u4e0d\u5728\u7ee7\u7eed\u4e4b\u524d\u6c42\u52a9\u4e8e\u8054\u90a6\u94f6\u884c\u5baa\u7ae0\u3002\u8fd9\u4e0d\u8db3\u4e3a\u5947\uff0c\u56e0\u4e3a\u53ef\u80fd\u4f1a\u6709\u6570\u767e\u4e07\u4eba\u4ece\u4f20\u7edf\u94f6\u884c\u63d0\u53d6\u5b58\u6b3e\uff0c\u8fd9\u4f1a\u5bf9\u4e16\u754c\u7ecf\u6d4e\u9020\u6210\u4e0d\u53ef\u633d\u56de\u7684\u635f\u5bb3\u3002<\/p>\n<p>\u5728\u5176\u4ed6\u65b9\u9762\uff0c\u7ebf\u4e0a\u96f6\u552e\u5de8\u5934\u4e9a\u9a6c\u900a\u7ecf\u5386\u4e86\u4e24\u6b21\u9519\u8bef\u7684\u5f00\u5c40\u3002\u8be5\u516c\u53f8\u4e8e 2016 \u5e74\u5728\u7f8e\u56fd\u63a8\u51fa\u5b66\u751f\u8d37\u6b3e\u8ba1\u5212\uff0c\u627f\u8bfa Prime \u5ba2\u6237\u7684\u8d37\u6b3e\u53ef\u51cf\u514d 0.5%\uff0c\u4f46\u4e8b\u5b9e\u8bc1\u660e\uff0c\u8be5\u8ba1\u5212\u53ea\u662f\u6619\u82b1\u4e00\u73b0\u3002\u8be5\u4ea4\u6613\u653e\u5f03\u65f6\uff0c\u6b63\u5728\u63a5\u53d7\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40 (CFPB) \u548c\u7f8e\u56fd\u8d27\u5e01\u76d1\u7406\u7f72 (OCC) \u7f8e\u56fd\u8fd9\u4e24\u5bb6\u76d1\u7ba1\u673a\u6784\u7684\u8c03\u67e5\u3002\u7136\u540e\uff0c\u5728 2019 \u5e74\uff0c\u4e9a\u9a6c\u900a\u4ee5\u6295\u8d44\u8005\u5bf9\u76d1\u7ba1\u65b9\u9762\u7684\u62c5\u5fe7\u4e3a\u7531\uff0c\u653e\u5f03\u63a8\u51fa\u81ea\u5df1\u7684\u652f\u7968\u8d26\u6237\u7684\u8ba1\u5212\u3002<\/p>\n<p>\u8c37\u6b4c\u4e5f\u6709\u81ea\u5df1\u7684\u95ee\u9898\uff0c\u5b83\u6b63\u9762\u4e34\u7f8e\u56fd\u53f8\u6cd5\u90e8\u7684\u53cd\u5784\u65ad\u8bc9\u8bbc\uff0c\u539f\u56e0\u662f\u62c5\u5fc3\u5b83\u5784\u65ad\u641c\u7d22\u548c\u57fa\u4e8e\u641c\u7d22\u7684\u5e7f\u544a\u3002\u5c31\u5728\u672c\u6587\u64b0\u5199\u4e4b\u65f6\uff0c\u8bc9\u8bbc\u8fd8\u5728\u8fdb\u884c\u4e2d\u3002\u8fd9\u79cd\u5ba1\u67e5\u4e0d\u4ec5\u9650\u4e8e\u7f8e\u56fd\u3002\u82f1\u56fd\u65b0\u6210\u7acb\u7684\u79d1\u6280\u76d1\u7ba1\u673a\u6784\u2014\u2014\u7ade\u4e89\u4e0e\u5e02\u573a\u7ba1\u7406\u5c40 (CMA) \u8bbe\u7acb\u4e86\u4e00\u4e2a\u6570\u5b57\u5e02\u573a\u90e8\u95e8\uff0c\u8c03\u67e5\u8c37\u6b4c\u3001Facebook \u548c\u5176\u4ed6\u79d1\u6280\u5e73\u53f0\u5728\u641c\u7d22\u548c\u793e\u4ea4\u5a92\u4f53\u9886\u57df\u7684\u4e3b\u5bfc\u5730\u4f4d\u3002\u82f1\u56fd\u5546\u52a1\u5927\u81e3 Alok Sharma \u8868\u793a\uff0c\u65b0\u7684\u201c\u9f13\u52b1\u7ade\u4e89\u673a\u5236\u201d\u5c06\u786e\u4fdd\u5c0f\u578b\u79d1\u6280\u516c\u53f8\u4e0d\u4f1a\u201c\u88ab\u6392\u6324\u51fa\u53bb\u201d\u3002<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/p>\n<p>\u6240\u6709\u8fd9\u4e9b\u90fd\u6709\u52a9\u4e8e\u89e3\u91ca\u4e3a\u4ec0\u4e48\u91d1\u878d\u79d1\u6280\u54a8\u8be2\u516c\u53f8 11:FS \u7684 Sarah Kocianski \u8ba4\u4e3a\uff0c\u5927\u578b\u6280\u672f\u516c\u53f8\u5c06\u66f4\u503e\u5411\u4e8e\u4e0e\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u5408\u4f5c\uff0c\u800c\u4e0d\u662f\u81ea\u5df1\u6210\u4e3a\u6210\u719f\u7684\u8d37\u6b3e\u673a\u6784\u3002\u201c<em>\u62ff\u5230\u548c\u7ef4\u6301\u94f6\u884c\u724c\u7167\u8ba9\u4eba\u5934\u75bc\uff0c\u4ed6\u4eec\u5f88\u53ef\u80fd\u88ab\u8ba4\u4e3a\u98ce\u9669\u592a\u5927\uff0c\u201d<\/em>\u5979\u8bf4\u5230\u3002<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a><\/p>\n<p>\u5171\u540c\u5408\u4f5c\uff0c\u800c\u4e0d\u662f\u5f7c\u6b64\u51b2\u7a81\u53ef\u80fd\u786e\u5b9e\u662f\u672a\u6765\u7684\u8d8b\u52bf\uff0c\u56e0\u6b64\uff0c\u624d\u6709\u4e86\u82f9\u679c\/\u9ad8\u76db\u548c\u8c37\u6b4c\/\u82b1\u65d7\u94f6\u884c\u5f15\u4eba\u77a9\u76ee\u7684\u8054\u624b\u3002\u5176\u4ed6\u7684\u4e00\u4e9b\u5408\u4f5c\u4e5f\u540c\u6837\u8868\u660e\uff0c\u6280\u672f\u521b\u65b0\u4e0e\u884c\u4e1a\u7ecf\u9a8c\u878d\u5408\u6bd4\u5355\u6253\u72ec\u6597\u66f4\u6709\u6f5c\u529b\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u6280\u672f\u4e13\u5bb6 Parsyl \u4e0e\u52b3\u5408\u793e\u4fdd\u9669\u5e02\u573a\u5408\u4f5c\uff0c\u8bbe\u8ba1\u4e86\u4e00\u6b3e\u65b0\u7684\u8d27\u7269\u4fdd\u9669\u4ea7\u54c1\u3002\u8be5\u4ea7\u54c1\u4f7f\u7528 Parsyl \u7684\u4e13\u4e1a\u4f20\u611f\u5668\u6765\u76d1\u6d4b\u5b58\u50a8\u548c\u8fd0\u8f93\u6761\u4ef6\u3002\u5728\u4fdd\u9669\u4e1a\u8fd9\u79cd\u7740\u773c\u4e8e\u98ce\u9669\u7684\u884c\u4e1a\uff0c\u6280\u672f\u662f\u5e2e\u52a9\u786e\u4fdd\u786e\u5b9a\u6027\u7684\u5b9a\u5fc3\u4e38\u3002<\/p>\n<p>\u5728\u5176\u4ed6\u65b9\u9762\uff0c\u8c37\u6b4c\u4e0e\u5fb7\u610f\u5fd7\u94f6\u884c\u7ed3\u6210\u4e86\u4e3a\u671f 10 \u5e74\u7684\u8054\u76df\uff0c\u8ba9\u8be5\u94f6\u884c\u5b9e\u73b0\u4e1a\u52a1\u6570\u5b57\u5316\uff0c\u540c\u65f6\u5171\u540c\u6295\u8d44\u4e8e\u6574\u4e2a\u94f6\u884c\u4e1a\u7684\u5176\u4ed6\u65b0\u6280\u672f\u3002<\/p>\n<p>\u4ece\u91d1\u878d\u670d\u52a1\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u5982\u679c\u94f6\u884c\u65e0\u6cd5\u5728\u81ea\u5df1\u7684\u9886\u57df\u4e0e\u79d1\u6280\u516c\u53f8\u7ade\u4e89\uff0c\u4e0e\u5176\u8bd5\u56fe\u6253\u8d25\u5b83\u4eec\uff0c\u4e0d\u5982\u52a0\u5165\u5b83\u4eec\u3002\u8003\u8651\u5230\u76ee\u524d\u7684\u6280\u672f\u53d1\u5c55\u6b65\u4f10\uff0c\u8fd9\u79cd\u4e92\u60e0\u4e92\u5229\u7684\u5b89\u6392\u65b9\u6848\u53ef\u80fd\u662f\u73b0\u6709\u4f9b\u5e94\u5546\u552f\u4e00\u7684\u6301\u4e45\u91d1\u878d\u6218\u7565\u3002<\/p>\n<h2>\u6280\u672f\u98de\u901f\u53d8\u9769<\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-83093\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Fintech-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-300x200.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-1024x683.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-150x100.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-768x512.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-1536x1024.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u6839\u636e\u4e16\u754c\u7ecf\u6d4e\u8bba\u575b\u7684\u8bf4\u6cd5\uff0c\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u5df2\u7ecf\u5728\u8ffd\u8d76\u521b\u65b0\u6b65\u4f10\uff0c\u8be5\u8bba\u575b\u6307\u51fa\uff0c\u622a\u81f3 2019 \u5e74\uff0c\u7f8e\u56fd\u6709 43% \u7684\u94f6\u884c\u4ecd\u5728\u4f7f\u7528\u53ef\u8ffd\u6eaf\u5230\u534a\u4e2a\u591a\u4e16\u7eaa\u4ee5\u524d\u7684\u7f16\u7801\u8bed\u8a00 COBOL\u3002<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>\u4e16\u754c\u7ecf\u6d4e\u8bba\u575b\u5ba3\u79f0\uff0c\u65b0\u5174\u79d1\u6280\u4e0e\u6709\u5f62\u4e1a\u52a1\u6210\u679c\u4e4b\u95f4\u7684\u8054\u7cfb\u4f9d\u7136\u6a21\u7cca\uff0c\u8fd9\u8ba9\u76f8\u5f53\u591a\u7684\u9ad8\u7ba1\u611f\u5230\u62c5\u5fe7\u3002<\/p>\n<p>\u9762\u5bf9\u8fd9\u79cd\u88ab\u52a8\u7684\u5c40\u9762\uff0c\u4e00\u7cfb\u5217\u6280\u672f\u6b63\u8d8b\u4e8e\u6210\u719f\uff0c\u5b83\u4eec\u6709\u80fd\u529b\u4ece\u6839\u672c\u4e0a\u5171\u540c\u6539\u53d8\u94f6\u884c\u548c\u66f4\u5e7f\u6cdb\u7684\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u3002<\/p>\n<p>\u5176\u4e2d\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><em>\u4eba\u5de5\u667a\u80fd\uff0c<\/em>\u6709\u53ef\u80fd\u6210\u4e3a\u524a\u51cf\u6210\u672c\u548c\u6295\u8d44\u9884\u6d4b\u7684\u8de8\u4e1a\u52a1\u6218\u7565\u5de5\u5177<\/li>\n<li><em>\u6df7\u5408\u91cf\u5b50\u8ba1\u7b97\uff0c<\/em>\u8ba9\u884c\u4e1a\u8ba1\u7b97\u7684\u901f\u5ea6\u548c\u7cbe\u5ea6\u8fbe\u5230\u65b0\u7684\u6c34\u5e73<\/li>\n<li><em>\u533a\u5757\u94fe<\/em>\u5206\u5e03\u5f0f\u5206\u7c7b\u5e10\u6280\u672f (DLT)\uff0c\u652f\u6301\u5728\u4e0d\u540c\u7684\u4e1a\u52a1\u7f51\u7edc\u4e4b\u95f4\u5171\u4eab\u5927\u91cf\u5b9e\u65f6\u6570\u636e\uff0c\u540c\u65f6\u5f7b\u5e95\u6539\u53d8\u4e86\u5404\u79cd\u4ea4\u4e92\u65b9\u5f0f\uff0c\u4ece\u4ed8\u6b3e\u548c\u623f\u5730\u4ea7\u4ea4\u6613\uff0c\u5230\u533b\u7597\u4fdd\u5065\u4fe1\u606f\u548c\u4f9b\u5e94\u94fe\u7b49\u7b49<\/li>\n<li><em>\u865a\u62df\u6216\u589e\u5f3a\u73b0\u5b9e\uff0c<\/em>\u6539\u53d8\u5ba2\u6237\u83b7\u53d6\u4fe1\u606f\u548c\u652f\u4ed8\u670d\u52a1\u8d39\u7528\u7684\u65b9\u5f0f<\/li>\n<li><em>\u7269\u8054\u7f51<\/em> (IoT)\uff0c\u5728\u6574\u4e2a\u7269\u6d41\u548c\u79fb\u52a8\u8303\u56f4\u5185\u63d0\u4f9b\u524d\u6240\u672a\u6709\u7684\u5b9e\u65f6\u4e0a\u4e0b\u6587\u6570\u636e<\/li>\n<li><em>5G \u6280\u672f<\/em>\uff0c\u63d0\u9ad8\u8fdc\u7a0b\u5de5\u4f5c\u7684\u5b89\u5168\u6027\uff0c\u534f\u8c03\u6574\u4e2a\u7269\u8054\u7f51\u7684\u81ea\u4e3b\u7f51\u7edc<\/li>\n<li><em>\u4e91\u8ba1\u7b97\uff0c<\/em>\u63d0\u4f9b\u5177\u6709\u901a\u7528\u8ba1\u7b97\u80fd\u529b\u7684\u8fdc\u7a0b\u5b58\u50a8\u5e93\uff0c\u5f88\u5feb\u5c06\u5360\u91d1\u878d\u670d\u52a1\u884c\u4e1a IT \u652f\u51fa\u7684\u8fd1\u4e00\u534a<\/li>\n<\/ul>\n<p><em>\u201c\u8fd9\u4e9b\u6280\u672f\u5c06\u4e3a\u8d8a\u6765\u8d8a\u591a\u7684\u6574\u5408\u4f53\u9a8c\u6253\u5f00\u5927\u95e8\uff0c\u8ba9\u6211\u4eec\u7684\u751f\u6d3b\u81ea\u52a8\u5316\uff0c\u800c\u6d88\u8d39\u8005\u672c\u8eab\u5f88\u5c11\u9700\u8981\u601d\u8003\u6216\u505a\u51fa\u51b3\u7b56\uff0c\u201d<\/em>Nil\u00fcferG\u00fcnhan \u89e3\u91ca\u8bf4\u3002<\/p>\n<p>\u638c\u63e1\u8fd9\u4e9b\u65b0\u6280\u672f\u7684\u53ef\u80fd\u6027\u5e76\u4e86\u89e3\u5b83\u4eec\u5982\u4f55\u548c\u8c10\u8fd0\u4f5c\uff0c\u5c06\u65e5\u76ca\u6210\u4e3a\u91d1\u878d\u516c\u53f8\u6210\u529f\u7684\u6807\u5fd7\u3002<\/p>\n<p>\u4e16\u754c\u7ecf\u6d4e\u8bba\u575b\u5f88\u6e05\u695a\uff0c\u5176\u4e2d\u54ea\u4e24\u9879\u6280\u672f\u53ef\u4ee5\u6709\u673a\u5730\u89e3\u9501\u5176\u4ed6\u6280\u672f\uff0c\u56e0\u6b64\u8feb\u5207\u9700\u8981\u5f97\u5230\u8d44\u52a9\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83079\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Unlocking-Pathways.jpg\" alt=\"ALJ Financial Services Unlocking Pathways\" width=\"2560\" height=\"1337\" \/><\/p>\n<p>\u5b83\u89e3\u91ca\u9053\uff1a\u201c<em>\u628a\u6295\u8d44\u96c6\u4e2d\u5728 AI \u548c\u4e91\u8ba1\u7b97\u4e0a\uff0c\u628a\u5176\u4ed6\u6280\u672f\u770b\u6210\u662f\u7531\u5b83\u4eec\u4e13\u95e8\u652f\u6301\u7684\uff0c\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u66f4\u8f7b\u677e\u5730\u83b7\u53d6\u548c\u5b9e\u65bd\u5bf9\u4e8e\u89e3\u51b3\u5176\u5173\u952e\u4e1a\u52a1\u95ee\u9898\u6700\u4e3a\u91cd\u8981\u7684\u65b0\u5174\u6280\u672f\u96c6\u7fa4<\/em>\u3002\u201d<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a><\/p>\n<h2>\u521b\u4e1a\u516c\u53f8\u53ef\u4ee5\u5728\u6280\u672f\u62c9\u952f\u6218\u4e2d\u751f\u5b58\u4e0b\u6765<\/h2>\n<p>\u666e\u534e\u6c38\u9053 (PwC) \u5546\u4e1a\u54a8\u8be2\u516c\u53f8\u7684\u4e00\u4efd\u62a5\u544a\u8868\u660e\uff0c\u4e0b\u4e00\u4ee3\u91d1\u878d\u79d1\u6280\u4e0d\u518d\u662f\u8001\u724c\u79d1\u6280\u5de8\u5934\u7684\u4e13\u5229\uff0c\u5b83\u5c06\u4e3a\u5e02\u573a\u65b0\u4eba\u94fa\u5e73\u9053\u8def\u3002\u81f3\u5c11\uff0c\u7cbe\u660e\u5f3a\u5e72\u7684\u4eba\u8db3\u4ee5\u5229\u7528\u7279\u5b9a\u7684\u521b\u65b0\u6280\u672f\u6216\u6d41\u7a0b\u3002<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/p>\n<p>\u5728\u5bf9\u6280\u672f\u4e1a\u52a1\u8d1f\u8d23\u4eba\u7684\u8c03\u67e5\u4e2d\uff0c\u666e\u534e\u6c38\u9053\u53d1\u73b0\uff0c\u5230 2020 \u5e74\uff0c\u9884\u8ba1\u9ad8\u8fbe 28% \u7684\u6210\u719f\u94f6\u884c\u548c\u652f\u4ed8\u4e1a\u52a1\u5c06\u9762\u4e34\u98ce\u9669\uff0c\u9ad8\u8fbe 22% \u7684\u4fdd\u9669\u3001\u8d44\u4ea7\u7ba1\u7406\u548c\u8d22\u5bcc\u7ba1\u7406\u4e1a\u52a1\u9762\u4e34\u98ce\u9669\u3002<\/p>\n<p>\u5982\u679c\u8bf4\u521b\u4e1a\u516c\u53f8\u8fd8\u6709\u7a7a\u95f4\uff0c\u6709\u8bc1\u636e\u8868\u660e\u662f\u6709\u7684\uff0c\u90a3\u4e48\u672a\u6765\u53ef\u80fd\u5c5e\u4e8e\u90a3\u4e9b\u4e13\u6ce8\u4e8e\u5229\u57fa\u4ef7\u503c\u4e3b\u5f20\u7684\u516c\u53f8\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u867d\u7136\u8c37\u6b4c\u662f\u641c\u7d22\u5f15\u64ce\u7684\u9f3b\u7956\uff0c\u4f46\u8fc7\u53bb\u4e24\u5e74\uff0c\u5176\u4ed6\u641c\u7d22\u7c7b\u521b\u4e1a\u516c\u53f8\u4ecd\u8bbe\u6cd5\u5438\u5f15\u4e86\u8fd1 7 \u4ebf\u7f8e\u5143\u7684\u878d\u8d44\u3002<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a>\u4ed6\u4eec\u5927\u591a\u6570\u901a\u8fc7\u4e13\u6ce8\u4e8e\u8f85\u52a9\u533a\u57df\u6216\u5f00\u53d1\u6838\u5fc3\u6280\u672f\u6765\u505a\u5230\u8fd9\u4e00\u70b9\u3002<\/p>\n<p>\u4f8b\u5982\uff0cAlgolia \u5e2e\u52a9\u516c\u53f8\u4e3a\u81ea\u5df1\u7684\u7f51\u7ad9\u5f00\u53d1\u66f4\u5feb\uff0c\u66f4\u76f4\u89c2\u7684\u641c\u7d22\u529f\u80fd\uff0c\u5df2\u83b7\u5f97 1.84 \u4ebf\u7f8e\u5143\u7684\u98ce\u9669\u6295\u8d44\u3002Reputation.com \u5e2e\u52a9\u4f01\u4e1a\u5728\u793e\u4ea4\u5a92\u4f53\u548c\u641c\u7d22\u5de5\u5177\u4e2d\u76d1\u6d4b\u548c\u6539\u5584\u4ed6\u4eec\u7684\u8ba4\u77e5\uff0c\u5df2\u7ecf\u5438\u5f15\u4e86 1.17 \u4ebf\u7f8e\u5143\u3002Botify \u65e8\u5728\u89e3\u51b3\u8c37\u6b4c\u5ffd\u7565\u5927\u578b\u7f51\u7ad9\u4e0a\u7ea6\u4e00\u534a\u5185\u5bb9\u7684\u95ee\u9898\uff0c\u5df2\u83b7\u5f97 2000 \u4e07\u7f8e\u5143\u7684\u8d44\u91d1\uff0c\u800c\u4f18\u5148\u8003\u8651\u9690\u79c1\u7684\u641c\u7d22\u5f15\u64ce DuckDuckGo \u5df2\u7ecf\u83b7\u5f97\u4e86 1300 \u4e07\u7f8e\u5143\u7684\u878d\u8d44\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-83107\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg\" alt=\"Digital Security\" width=\"300\" height=\"169\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security.jpg 608w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u5982\u679c<em>\u9690\u79c1<\/em>\u662f\u4e00\u4e2a\u503c\u5f97\u5bc6\u5207\u5173\u6ce8\u7684\u65f6\u9ae6\u8bcd\uff0c\u90a3\u5b83\u7684\u8fd1\u4eb2<em>\u5b89\u5168<\/em>\u4e5f\u662f\u5982\u6b64\u3002<\/p>\n<p>\u666e\u534e\u6c38\u9053\u7684\u8c03\u67e5\u63ed\u793a\u4e86\u91d1\u878d\u673a\u6784\u9762\u4e34\u7684\u6700\u5927\u6311\u6218\u4e4b\u4e00\uff1a\u7f51\u7edc\u5b89\u5168\u3002<\/p>\n<p>\u8fd1\u4e03\u6210\u7684\u91d1\u878d\u673a\u6784 CEO \u8868\u793a\u62c5\u5fc3\u7f51\u7edc\u5a01\u80c1\uff0c\u800c\u5728\u6240\u6709\u884c\u4e1a\u7684 CEO \u4e2d\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u5360 61%\u3002<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/p>\n<p>\u7531\u4e8e\u7b2c\u4e09\u65b9\u4f9b\u5e94\u5546\u4f7f\u7528\u91cf\u7684\u589e\u52a0\uff0c\u6280\u672f\u5feb\u901f\u53d8\u9769\uff0c\u8de8\u5883\u6570\u636e\u4ea4\u6362\u8d8a\u6765\u8d8a\u591a\uff0c\u4ee5\u53ca\u5ba2\u6237\u65e5\u76ca\u4f9d\u8d56\u79fb\u52a8\u5e94\u7528\u4ea4\u6613\uff0c\u5728\u672a\u6765\u51e0\u5e74\uff0c\u9884\u8ba1\u8fd9\u4e2a\u95ee\u9898\u4f1a\u50cf\u6eda\u96ea\u7403\u4e00\u6837\u8d8a\u6eda\u8d8a\u5927\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u63d0\u4f9b\u5047\u540d\u5316\u548c\u683c\u5f0f\u4fdd\u7559\u52a0\u5bc6 (FPE) \u8f6f\u4ef6\uff08\u7528\u4e8e\u4fdd\u62a4\u4e2a\u4eba\u4fe1\u606f\u548c\u9075\u5b88\u6cd5\u5f8b\uff0c\u540c\u65f6\u4fdd\u7559\u5bf9\u4e1a\u52a1\u6d41\u7a0b\u6709\u7528\u7684\u6570\u636e\uff09\u7684\u516c\u53f8\u5c06\u5177\u6709\u7ade\u4e89\u4f18\u52bf\u3002<\/p>\n<p>\u5373\u4f7f\u5728\u65b0\u51a0\u80ba\u708e\u75ab\u60c5\u671f\u95f4\uff0c\u6b27\u6d32\u8d37\u6b3e\u673a\u6784\u4f9d\u65e7\u6295\u8d44\u79d1\u6280\u521b\u4e1a\u516c\u53f8\uff0c\u5c3d\u7ba1\u5176\u6295\u8d44\u989d\u4f4e\u4e8e\u524d\u51e0\u5e74\u3002<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>2020 \u5e74\u4e0a\u534a\u5e74\uff0c\u6b27\u6d32\u91d1\u878d\u79d1\u6280\u516c\u53f8\u83b7\u5f97\u4e86 38 \u4ebf\u6b27\u5143\u7684\u98ce\u9669\u6295\u8d44\uff0c\u800c 2019 \u5e74\u4e0a\u534a\u5e74\u4e3a 56 \u4ebf\u6b27\u5143\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83072\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Global-Venture.jpg\" alt=\"ALJ Financial Services Global Venture\" width=\"2560\" height=\"2226\" \/><\/p>\n<p>\u4f8b\u5982\uff0c\u5fb7\u56fd\u91d1\u878d\u79d1\u6280\u516c\u53f8 Solarisbank\uff0c\u4e00\u5bb6\u540c\u65f6\u63d0\u4f9b\u9884\u4ed8\u8d39\u548c\u501f\u8bb0\u5361\u7684\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\u63d0\u4f9b\u5546\uff0c\u8be5\u516c\u53f8\u5728\u4e00\u8f6e\u878d\u8d44\u4e2d\u7b79\u96c6\u4e86 6000 \u4e07\u6b27\u5143\u3002\u53e6\u4e00\u5bb6\u5fb7\u56fd\u521b\u4e1a\u516c\u53f8\u4fe1\u7528\u8bc4\u5206\u4e13\u5bb6 Forteil GmbH \u83b7\u5f97\u4e86\u6851\u5766\u5fb7\u94f6\u884c\u7684\u8d44\u91d1\u652f\u6301\uff0c\u800c\u6570\u5b57\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u82f1\u56fd\u91d1\u878d\u79d1\u6280\u516c\u53f8 Meniga \u5219\u83b7\u5f97\u4e86 Caixa Central deCr\u00e9ditoAgr\u00edcolaM\u00fatuoCRL\u3001UniCredit \u548c Groupe BPCE \u7684 850 \u4e07\u6b27\u5143\u8d44\u91d1\u3002<\/p>\n<p>\u5373\u4f7f\u9762\u5bf9\u65b0\u51a0\u80ba\u708e\u75ab\u60c5\u8fd9\u6837\u767e\u5e74\u4e00\u9047\u7684\u5371\u673a\uff0c\u5bf9\u4e8e\u91d1\u878d\u79d1\u6280\u521d\u521b\u516c\u53f8\u6765\u8bf4\uff0c\u4fe1\u5fc3\u548c\u8d44\u91d1\u663e\u7136\u4f9d\u7136\u5b58\u5728\u3002\u6709\u65f6\uff0c\u6b63\u662f\u8fd9\u4e9b\u5e74\u8f7b\u3001\u7075\u6d3b\u7684\u516c\u53f8\u6700\u9002\u5408\u9884\u6d4b\u548c\u9002\u5e94\u672a\u6765\u7684\u8d8b\u52bf\uff0c\u5b83\u4eec\u4e5f\u8bb8\u8fd8\u4f1a\u52a0\u5165\u660e\u5929\u7684\u79d1\u6280\u5de8\u5934\u3002<\/p>\n<h2>\u4e3a\u4ec0\u4e48\u6211\u4eec\u90fd\u6295\u8d44\u4e8e\u672a\u6765\u91d1\u878d\u4e1a<\/h2>\n<p>\u65b0\u7684\u91d1\u878d\u670d\u52a1\u6a21\u5f0f\u4e3a\u5404\u4e2a\u5c42\u9762\u7684\u53c2\u4e0e\u8005\u5e26\u6765\u4e86\u673a\u4f1a\uff1a\u4ece\u62e5\u6709\u5ba2\u6237\u5fe0\u8bda\u5ea6\u548c\u884c\u4e1a\u7ecf\u9a8c\u7684\u94f6\u884c\u4e1a\u8001\u724c\u4f01\u4e1a\uff0c\u5230\u5bf9\u5c16\u7aef\u7cfb\u7edf\u638c\u63a7\u7ec6\u81f4\u5165\u5fae\u7684\u5927\u578b\u79d1\u6280\u516c\u53f8\uff0c\u518d\u5230\u5177\u6709\u521b\u65b0\u80fd\u529b\u3001\u9002\u5e94\u80fd\u529b\u548c\u5438\u5f15\u98ce\u9669\u6295\u8d44\u80fd\u529b\u7684\u521b\u4e1a\u516c\u53f8\u3002<\/p>\n<p>\u8fc4\u4eca\u4e3a\u6b62\u7684\u7ecf\u9a8c\u8868\u660e\uff0c\u6700\u5f3a\u6709\u529b\u7684\u8f6c\u578b\u521b\u65b0\u5b9e\u9645\u4e0a\u53ef\u80fd\u662f\u5229\u7528\u8fd9\u4e9b\u4e0d\u540c\u53c2\u4e0e\u8005\u7684\u5404\u79cd\u4f18\u52bf\u8fdb\u884c\u534f\u4f5c\uff0c\u800c\u4e0d\u662f\u5728\u77ac\u606f\u4e07\u53d8\u7684\u5e02\u573a\u4e2d\u7ade\u4e89\u3002<\/p>\n<p>\u5728\u8fd9\u4e2a\u632f\u594b\u4eba\u5fc3\u7684\u65f6\u4ee3\uff0c\u50cf\u5b89\u5229\u6377\u8fd9\u6837\u7684\u5168\u7403\u6295\u8d44\u8005\u5c06\u627e\u5230\u65b0\u7684\u65b9\u5f0f\uff0c\u628a<a href=\"https:\/\/www.alj.com\/en\/financial-services\/\">\u91d1\u878d\u670d\u52a1<\/a>\u548c<a href=\"https:\/\/aljinsurance.com\/\">\u4fdd\u9669<\/a>\u89e3\u51b3\u65b9\u6848<a href=\"https:\/\/www.alj.com\/en\/perspective\/pioneering-risk-insurance-solutions-to-enable-growth\/\">\u76f4\u63a5\u5e26\u7ed9\u5ba2\u6237<\/a>\u3002<\/p>\n<p>\u4e3a\u672a\u6765\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u505a\u597d\u51c6\u5907\uff0c\u8ba9\u8d37\u6b3e\u3001\u652f\u4ed8\u3001\u4fdd\u9669\u548c\u8d22\u5bcc\u7ba1\u7406\u65e0\u7f1d\u878d\u5165\u6211\u4eec\u7684\u65e5\u5e38\u751f\u6d3b\u3002\u5728\u6211\u4eec\u6700\u9700\u8981\u7684\u65f6\u5019\uff0c\u6211\u4eec\u4f1a\u770b\u4e2d\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u7684\u4fbf\u5229\u6027\u548c\u529f\u80fd\uff0c\u5bf9\u719f\u6089\u7684\u54c1\u724c\u7684\u4f20\u7edf\u5fe0\u8bda\u5ea6\u53ef\u80fd\u4f1a\u4e0b\u964d\u3002<\/p>\n<p>\u91d1\u878d\u670d\u52a1\u4e1a\u7684\u8fd9\u79cd\u5de8\u53d8\u610f\u5473\u7740\u8d27\u5e01\u4e8b\u52a1\u5c06\u53d8\u5f97\u66f4\u52a0\u81ea\u52a8\u5316\u548c\u4e00\u4f53\u5316\u3002\u4eba\u5de5\u667a\u80fd\u3001\u533a\u5757\u94fe\u30015G\u3001\u7269\u8054\u7f51\u548c\u865a\u62df\u73b0\u5b9e\u7b49\u6280\u672f\u7684\u5feb\u901f\u53d1\u5c55\uff0c\u8fd9\u4e9b\u52a0\u5728\u4e00\u8d77\u5c06\u5e26\u6765\u6548\u7387\u548c\u534f\u540c\u6548\u5e94\u98ce\u66b4\u3002\u5728\u7406\u60f3\u7684\u60c5\u51b5\u4e0b\uff0c\u4eba\u4eec\u4f1a\u65e5\u76ca\u5173\u6ce8\u8fd9\u4e2a\u95ee\u9898\uff0c\u8fd9\u610f\u5473\u7740\u4e3a\u5ba2\u6237\u5e26\u6765\u65b0\u7684\u8282\u7ea6\u4e3e\u63aa\uff0c\u4f01\u4e1a\u4e5f\u4f1a\u6709\u65b0\u7684\u6536\u5165\u6765\u6e90\u3002<\/p>\n<p><em>\u201c\u5728\u6bcf\u4e2a\u6570\u5b57\u7528\u6237\u4f53\u9a8c\u7684\u80cc\u540e\uff0c\u4ea7\u54c1\u548c\u670d\u52a1\u63d0\u4f9b\u5546\u4e4b\u95f4\u90fd\u4f1a\u8fdb\u884c\u4e00\u573a\u4ee5\u4e2a\u4eba\u5316\u4e3a\u6838\u5fc3\u6b66\u5668\u7684\u5927\u6218\uff0c\u201d<\/em> <a href=\"https:\/\/alj.com\/zh-hans\/financial-services\/\">Nilufer Gunhan<\/a> \u8bf4\u5230\u3002<\/p>\n<p>\u4ece\u5fd9\u788c\u7684\u6d88\u8d39\u8005\uff0c\u5230\u6709\u5934\u8111\u7684\u4f01\u4e1a\u5bb6\uff0c\u518d\u5230\u5927\u578b\u94f6\u884c\u7684 CEO\uff0c\u65e0\u8bba\u5728\u91d1\u878d\u9886\u57df\u5904\u4e8e\u600e\u6837\u7684\u5730\u4f4d\uff0c\u6280\u672f\u6ce8\u5b9a\u8981\u6539\u53d8\u6211\u4eec\u793e\u4f1a\u7684\u8fd0\u4f5c\u65b9\u5f0f\u3002<\/p>\n<p>\u90a3\u624d\u662f\u7cbe\u660e\u7684\u6295\u8d44\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? &#8211; BBC News<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a><\/p>\n","protected":false},"author":18,"featured_media":83120,"template":"","tags":[418],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u91d1\u878d\u4e1a\u51c6\u5907\u597d\u8fce\u63a5\u6280\u672f\u53d8\u9769 | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" 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