{"id":422174,"date":"2022-04-27T22:47:52","date_gmt":"2022-04-28T05:47:52","guid":{"rendered":"https:\/\/nai500.com\/?p=422174"},"modified":"2022-04-27T22:47:52","modified_gmt":"2022-04-28T05:47:52","slug":"%e9%80%a2%e4%bd%8e%e4%b9%b0%e5%85%a5%e8%bf%99%e4%ba%9b%e6%88%90%e9%95%bf%e8%82%a1%e7%9a%84%e6%9c%ba%e4%bc%9a%e6%9d%a5%e4%ba%86","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2022\/04\/%e9%80%a2%e4%bd%8e%e4%b9%b0%e5%85%a5%e8%bf%99%e4%ba%9b%e6%88%90%e9%95%bf%e8%82%a1%e7%9a%84%e6%9c%ba%e4%bc%9a%e6%9d%a5%e4%ba%86\/","title":{"rendered":"\u9022\u4f4e\u4e70\u5165\u8fd9\u4e9b\u6210\u957f\u80a1\u7684\u673a\u4f1a\u6765\u4e86"},"content":{"rendered":"<h2>\u5173\u952e\u70b9<\/h2>\n<ul>\n<li>\u8fd9\u4e24\u53ea\u6210\u957f\u80a1\u7968\u5728\u79d1\u6280\u80a1\u629b\u552e\u671f\u95f4\u90fd\u53d7\u5230\u4e86\u6253\u51fb\u3002<\/li>\n<li>Upstart\u57282021\u5e74\u6536\u5165\u589e\u957f\u4e86264%\u3002<\/li>\n<li>Unity\u6b63\u5728\u8fdb\u4e00\u6b65\u53d1\u5c55\u6210\u4e3a\u6e38\u620f\u884c\u4e1a\u7684\u9886\u5bfc\u8005\u3002<\/li>\n<\/ul>\n<p>\u5c3d\u7ba1\u4ef7\u683c\u4e0b\u8dcc\u5f97\u5f88\u5389\u5bb3\uff0c\u4f46\u8fd9\u4e24\u53ea\u6210\u957f\u80a1\u7968\u662f\u5f88\u597d\u7684\u957f\u671f\u673a\u4f1a\u3002<\/p>\n<p>\u8fc7\u53bb\u7684\u4e00\u5e74\u5bf9\u79d1\u6280\u80a1\u6295\u8d44\u8005\u5e76\u4e0d\u53cb\u597d\uff0c\u7eb3\u65af\u8fbe\u514b\u7efc\u5408\u6307\u6570\u4ece\u5386\u53f2\u9ad8\u70b9\u4e0b\u8dcc\u4e8620%\u3002\u5c3d\u7ba1\u5728\u8d22\u52a1\u548c\u8fd0\u8425\u65b9\u9762\u4fdd\u6301\u5f3a\u52b2\uff0c\u4f46\u51e0\u5341\u5bb6\u79d1\u6280\u516c\u53f8\u4ece\u5386\u53f2\u9ad8\u70b9\u4e0b\u8dcc\u4e8640%\u4ee5\u4e0a\u3002<\/p>\n<p>Upstart Holdings (<a href=\"https:\/\/nai500.com\/zh-hans\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%af%a2\/?qm_symbol=UPST\">UPST<\/a>)\u548cUnity Software (<a href=\"https:\/\/nai500.com\/zh-hans\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%af%a2\/?qm_symbol=U\">U<\/a>)\u90fd\u5c5e\u4e8e\u8fd9\u4e2a\u7fa4\u4f53\uff0c\u4ece\u5386\u53f2\u9ad8\u70b9\u5206\u522b\u4e0b\u8dcc\u4e8681%\u548c62%\uff0c\u4f46\u8fd9\u4e9b\u516c\u53f8\u7684\u91c7\u7528\u7387\u548c\u8d22\u52a1\u72b6\u51b5\u90fd\u6709\u4ee4\u4eba\u5370\u8c61\u6df1\u523b\u7684\u6539\u5584\u3002\u5c3d\u7ba1\u5982\u6b64\uff0c\u7531\u4e8e\u5b83\u4eec\u5728\u5404\u81ea\u7684\u5e02\u573a\u4e0a\u90fd\u6709\u6301\u4e45\u7684\u4f18\u52bf\uff0c\u4f60\u53ef\u80fd\u8981\u8003\u8651\u5728\u5b83\u4eec\u4ecd\u7136\u4fbf\u5b9c\u7684\u65f6\u5019\u8d2d\u5165\u8fd9\u4e9b\u6210\u957f\u80a1\u3002<\/p>\n<h2>1. \u65b0\u5174\u4f01\u4e1a<\/h2>\n<p>\u8bb8\u591a\u5927\u578b\u94f6\u884c\u4ec5\u6839\u636e\u5c11\u6570\u53d8\u91cf\u6765\u786e\u5b9a\u4fe1\u7528\u5ea6\uff0c\u5e76\u4e25\u91cd\u4f9d\u8d56Fair Isaac (FICO%) \u7684 FICO \u4fe1\u7528\u8bc4\u5206\uff0c\u4f46\u8fd9\u53ef\u80fd\u5b58\u5728\u7f3a\u9677\u3002\u5927\u591a\u6570\u7f8e\u56fd\u4eba\u4ece\u6765\u6ca1\u6709\u62d6\u6b20\u8fc7\u501f\u6b3e\uff0c\u4f46\u53ea\u670948%\u7684\u4eba\u62e5\u6709\u4f18\u8d28\u4fe1\u7528\u8bc4\u7ea7\u3002<\/p>\n<p>Upstart\u6b63\u5728\u6539\u53d8\u8fd9\u79cd\u60c5\u51b5\uff0c\u5b83\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u5206\u67901500\u4e2a\u53d8\u91cf\u548c\u8d85\u8fc72100\u4e07\u4e2a\u8fd8\u6b3e\u4e8b\u4ef6\uff0c\u5bf9\u7533\u8bf7\u4eba\u7684\u4fe1\u7528\u8fdb\u884c\u66f4\u51c6\u786e\u7684\u63cf\u7ed8\u3002<\/p>\n<p>\u8be5\u516c\u53f8\u4e0e\u94f6\u884c\u5408\u4f5c\u7ed9\u4e88\u8fd9\u4e9b\u4fe1\u7528\u8bc4\u7ea7\u3002\u5b83\u53ef\u4ee5\u5411\u66f4\u591a\u7684\u7f8e\u56fd\u4eba\u63d0\u4f9b\u83b7\u5f97\u4f18\u8d28\u4fe1\u8d37\u7684\u673a\u4f1a\uff0c\u540c\u65f6\u51e0\u4e4e\u4e0d\u627f\u62c5\u4efb\u4f55\u4fe1\u8d37\u98ce\u9669\u3002<\/p>\n<p>\u7531\u4e8e\u4fe1\u7528\u8bc4\u7ea7\u4e1a\u52a1\u5b58\u5728\u7f3a\u9677\uff0cUpstart\u6b63\u8bd5\u56fe\u98a0\u8986\u8fd9\u4e00\u4e1a\u52a1\uff0c\u800c\u4e14\u5230\u76ee\u524d\u4e3a\u6b62\u5b83\u5df2\u7ecf\u770b\u5230\u4e86\u6210\u529f\u3002\u4ec5\u57282021\u5e74\u7b2c\u56db\u5b63\u5ea6\uff0c\u8be5\u516c\u53f8\u5c31\u5bf9\u8fd150\u4e07\u7b14\u8d37\u6b3e\u505a\u51fa\u4e86\u5224\u65ad\uff0c\u540c\u6bd4\u589e\u957f302%\u3002\u7531\u4e8e\u5b83\u4ece\u6bcf\u7b14\u8d37\u6b3e\u7684\u53d1\u653e\u4e2d\u8d5a\u94b1\uff0c 2021\u5e74\uff0c\u6536\u5165\u8fbe\u52308.49\u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u66b4\u6da8264%\u3002<\/p>\n<p>Upstart\u7684\u975e\u51e1\u4e4b\u5904\u5728\u4e8e\u5b83\u5728\u5feb\u901f\u589e\u957f\u7684\u540c\u65f6\u5b9e\u73b0\u76c8\u5229\u7684\u80fd\u529b\u30022021\u5e74\uff0c\u51c0\u6536\u5165\u8fbe\u52301.35\u4ebf\u7f8e\u5143\uff0c\u5176\u81ea\u7531\u73b0\u91d1\u6d41\u8d85\u8fc7\u4e861.53\u4ebf\u7f8e\u5143\u3002\u8be5\u516c\u53f8\u6307\u5bfc2022\u5e74\u7684\u6536\u5165\u4e3a14\u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u957f65%\u3002<\/p>\n<h2>2. 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