{"id":591063,"date":"2025-09-03T06:14:45","date_gmt":"2025-09-03T13:14:45","guid":{"rendered":"https:\/\/nai500.com\/blog\/2025\/09\/klarna-ipo-140-afrm-pypl\/"},"modified":"2025-09-03T06:14:45","modified_gmt":"2025-09-03T13:14:45","slug":"klarna-ipo-140-afrm-pypl","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2025\/09\/klarna-ipo-140-afrm-pypl\/","title":{"rendered":"Klarna IPO \u76ee\u6807 140 \u4ebf\u7f8e\u5143\u3002AFRM\u3001PYPL \u4f1a\u611f\u5230\u538b\u529b\u5417\uff1f"},"content":{"rendered":"

Klarna \u91cd\u8fd4\u7f8e\u56fd IPO \u65e5\u7a0b\uff0c\u5b9a\u4ef7\u533a\u95f4\u6697\u793a\u4f30\u503c\u6700\u9ad8\u53ef\u8fbe 140 \u4ebf\u7f8e\u5143\uff0c\u62df\u53d1\u884c 3,430 \u4e07\u80a1\uff0c\u5b9a\u4ef7\u533a\u95f4\u4e3a\u6bcf\u80a1 35 \u81f3 37 \u7f8e\u5143\uff0c\u62df\u52df\u96c6\u7ea6 12.7 \u4ebf\u7f8e\u5143\u3002Goldman Sachs\u3001JPMorgan \u548c Morgan Stanley \u9886\u6295\u6b64\u4ea4\u6613\uff0c\u8868\u660e\u5927\u884c\u5bf9\u5728\u52b3\u52a8\u8282\u540e\u901a\u5e38\u4f1a\u5347\u6e29\u7684\u91cd\u542f\u80a1\u6743\u7a97\u53e3\u6709\u4fe1\u5fc3\u3002\u8fd9\u5bb6\u745e\u5178\u201c\u5148\u4e70\u540e\u4ed8\u201d\u5148\u9a71\u6b63\u5728\u63a8\u8fdb\u4e0a\u5e02\uff0c\u5c3d\u7ba1\u6295\u8d44\u8005\u5bf9\u9ad8\u589e\u957f fintech \u4ecd\u7136\u9009\u62e9\u6027\u8f83\u5f3a\u3002\u5982\u679c Klarna \u5b9a\u4ef7\u987a\u5229\uff0c\u53ef\u80fd\u4e3a\u590f\u540e IPO \u65e5\u7a0b\u5b9a\u57fa\u8c03\uff0c\u4e5f\u5c06\u5f71\u54cd\u516c\u5f00\u5e02\u573a\u5728\u66f4\u9ad8\u5229\u7387\u73af\u5883\u4e0b\u5982\u4f55\u4e3a\u5206\u671f\u4ed8\u6b3e\u4e1a\u52a1\u5b9a\u4ef7\u3002<\/p>\n

\u51b3\u5b9a\u57fa\u8c03\u7684\u6761\u6b3e<\/h3>\n

\u5b9a\u4ef7\u533a\u95f4\u5c06 Klarna \u7684\u4f30\u503c\u8fdc\u4f4e\u4e8e\u5176 2021 \u5e74\u79c1\u6709\u5e02\u573a\u5cf0\u503c 460 \u4ebf\u7f8e\u5143\uff0c\u4f46\u660e\u663e\u9ad8\u4e8e 2022 \u5e74\u63a5\u8fd1 67 \u4ebf\u7f8e\u5143\u7684\u4e0b\u8c03\u4f30\u503c\u3002\u8fd9\u6837\u7684\u91cd\u7f6e\u662f\u523b\u610f\u4e3a\u4e4b\uff1a\u516c\u53f8\u9700\u8981\u8db3\u591f\u7684\u7a7a\u95f4\u4ee5\u5b9e\u73b0\u7a33\u5b9a\u9996\u65e5\u8868\u73b0\uff0c\u5e76\u7ed9\u4e88\u65b0\u8d44\u91d1\u83b7\u5f97\u56de\u62a5\u7684\u4f59\u5730\uff0c\u540c\u65f6\u4e0d\u91cd\u65b0\u6495\u5f00\u4e0a\u4e00\u8f6e\u72c2\u70ed\u7684\u4f24\u53e3\u3002\u8d26\u7c3f\u7ba1\u7406\u4eba\u6b63\u5728\u51fa\u552e\u8fd9\u6837\u4e00\u79cd\u8bba\u70b9\uff1a\u5982\u4eca\u7684 Klarna \u66f4\u4e0d\u50cf\u201c\u4ee5\u727a\u7272\u4e00\u5207\u6362\u53d6\u589e\u957f\u201d\u7684\u6545\u4e8b\uff0c\u800c\u66f4\u50cf\u662f\u4e00\u4e2a\u591a\u5143\u5316\u7684\u652f\u4ed8\u4e0e\u8d2d\u7269\u5e73\u53f0\uff0c\u4e14\u5176\u4fe1\u7528\u6a21\u578b\u6b63\u5728\u6210\u719f\u3002\u5176\u6240\u63d0\u4f9b\u7684\u4e1a\u52a1\u4e3b\u5f20\u80fd\u591f\u5b9e\u73b0\u76c8\u5229\u6027\u6269\u5f20\uff0c\u540c\u65f6\u4ece\u4f20\u7edf\u5361\u7247\u548c\u7ebf\u4e0b\u9500\u552e\u70b9\u878d\u8d44\u4e2d\u5206\u4e00\u676f\u7fb9\u3002\u80a1\u7968\u6545\u4e8b\u7684\u5173\u952e\u5728\u4e8e\u6295\u8d44\u8005\u662f\u5426\u63a5\u53d7\u8fd9\u4e00\u53d9\u4e8b\uff0c\u5e76\u613f\u4ee5\u4e2d\u5355\u4f4d\u6570\u7684\u8425\u6536\u500d\u6570\u6765\u5b9a\u4ef7\uff0c\u800c\u4e0d\u662f\u56e0\u4e3a\u4fe1\u7528\u98ce\u9669\u8981\u6c42\u66f4\u5927\u7684\u6298\u8ba9\u3002<\/p>\n

BNPL \u589e\u957f\u9047\u4e0a\u9ad8\u5229\u7387\u73b0\u5b9e<\/h3>\n

\u968f\u7740\u7535\u5546\u4ea4\u6613\u91cf\u4e0a\u5347\uff0cBNPL \u7684\u6e17\u900f\u7387\u6301\u7eed\u63d0\u9ad8\uff0cKlarna \u662f\u4e3b\u8981\u53d7\u76ca\u8005\u4e4b\u4e00\u3002\u4f46\u8be5\u6a21\u5f0f\u7684\u7ecf\u6d4e\u6027\u4e0e\u878d\u8d44\u6210\u672c\u548c\u6d88\u8d39\u8005\u4fe1\u8d37\u5468\u671f\u76f8\u5173\u3002\u5229\u7387\u4e0a\u5347\u4f1a\u538b\u7f29\u5229\u6da6\u7387\uff0c\u9664\u975e\u63d0\u4f9b\u65b9\u91cd\u65b0\u5b9a\u4ef7\u6216\u5411\u4fe1\u7528\u66f2\u7ebf\u7684\u4e0a\u7aef\u8fc1\u79fb\u3002\u635f\u5931\u51c6\u5907\u548c\u574f\u8d26\u7ba1\u7406\u6210\u4e3a\u6210\u8d25\u5173\u952e\u53d8\u91cf\uff0c\u5c24\u5176\u5728\u7f8e\u3001\u82f1\u548c\u6b27\u76d1\u7ba1\u673a\u6784\u63a8\u52a8\u66f4\u4e25\u683c\u76d1\u7ba1\u548c\u7c7b\u4fe1\u7528\u5361\u4fdd\u62a4\u7684\u60c5\u51b5\u4e0b\u3002\u8fd9\u79cd\u538b\u529b\u5e76\u975e\u7406\u8bba\u4e0a\u7684\u3002Klarna \u62a5\u544a\u7b2c\u4e8c\u5b63\u5ea6\u51c0\u4e8f\u635f 5,300 \u4e07\u7f8e\u5143\uff0c\u8f83\u53bb\u5e74\u540c\u671f 1,800 \u4e07\u7f8e\u5143\u7684\u4e8f\u635f\u6269\u5927\uff0c\u8fd9\u63d0\u9192\u4eba\u4eec\u5b63\u5ea6\u4e1a\u7ee9\u4f1a\u968f\u4fe1\u7528\u6210\u672c\u3001\u8425\u9500\u8282\u594f\u548c\u5730\u533a\u6784\u6210\u6ce2\u52a8\u3002\u516c\u5f00\u5e02\u573a\u6295\u8d44\u8005\u5c06\u628a\u8fd9\u79cd\u6ce2\u52a8\u4e0e\u5df2\u4e0a\u5e02\u7684\u540c\u884c\u2014\u2014\u4ece\u652f\u4ed8\u5e73\u53f0\u5230\u7eaf BNPL \u516c\u53f8\u5982 Affirm\uff0c\u4ee5\u53ca\u628a\u5206\u671f\u878d\u5165\u66f4\u5e7f\u751f\u6001\u7684 PayPal \u548c Block\u2014\u2014\u8fdb\u884c\u5bf9\u7167\u6620\u5c04\u3002<\/p>\n

\u4ece\u8d85\u9ad8\u901f\u589e\u957f\u5230\u7eaa\u5f8b\u5316<\/h3>\n

Klarna \u6b63\u4f9d\u9760\u8fd0\u8425\u8fdb\u5c55\u6765\u634d\u536b\u5176\u4f30\u503c\u3002\u53bb\u5e74\u8425\u6536\u589e\u957f 24%\uff0c\u8fbe\u5230 28 \u4ebf\u7f8e\u5143\uff0c\u516c\u53f8\u5b9e\u73b0\u8c03\u6574\u540e\u8425\u8fd0\u5229\u6da6 1.81 \u4ebf\u7f8e\u5143\uff0c\u76f8\u6bd4\u524d\u4e00\u5e74 4,900 \u4e07\u7f8e\u5143\u7684\u4e8f\u635f\u5b9e\u73b0\u626d\u4e8f\u4e3a\u76c8\u3002\u6210\u672c\u524a\u51cf\u3001\u6539\u8fdb\u627f\u4fdd\u4ee5\u53ca\u5546\u6237\u8d27\u5e01\u5316\u8d77\u5230\u4e86\u4f5c\u7528\u3002\u5173\u952e\u95ee\u9898\u5728\u4e8e\u53ef\u6301\u7eed\u6027\u3002\u968f\u7740\u5b8f\u89c2\u73af\u5883\u53d8\u5316\uff0cKlarna \u80fd\u5426\u5728\u5c06\u5546\u54c1\u4ea4\u6613\u603b\u989d\u548c\u63d0\u6210\u7387\u7ee7\u7eed\u6269\u5927\u540c\u65f6\uff0c\u5c06\u4fe1\u7528\u635f\u5931\u63a7\u5236\u5728\u76ee\u6807\u8303\u56f4\u5185\uff1f\u516c\u53f8\u7684\u6a21\u5f0f\u4f9d\u8d56\u4e8e\u4e3a\u5546\u6237\u5e26\u6765\u66f4\u9ad8\u7684\u8f6c\u5316\u7387\u5e76\u4e3a\u6d88\u8d39\u8005\u63d0\u4f9b\u7075\u6d3b\u6761\u6b3e\uff0c\u800c\u4e0d\u5bf9\u4efb\u4e00\u65b9\u8fdb\u884c\u8fc7\u5ea6\u8865\u8d34\u3002\u8fd9\u8981\u6c42\u5728\u98ce\u9669\u5206\u6790\u4e0a\u6709\u7d27\u5bc6\u7684\u53cd\u9988\u56de\u8def\uff0c\u5e76\u613f\u610f\u653e\u5f03\u8fb9\u9645\u4eba\u7fa4\u3002\u516c\u5f00\u5e02\u573a\u4f1a\u5956\u52b1\u4e00\u81f4\u6027\uff0c\u5e76\u5bf9\u5373\u4fbf\u662f\u9002\u5ea6\u8d85\u6807\u7684\u635f\u5931\u7387\u6216\u878d\u8d44\u6210\u672c\u8fdb\u884c\u60e9\u7f5a\u3002<\/p>\n

\u5206\u9500\u534f\u8bae\u5f88\u91cd\u8981<\/h3>\n

\u5728 IPO \u4e4b\u524d\uff0cKlarna \u4e00\u76f4\u5728\u6269\u5927\u5206\u9500\u6e20\u9053\u3002\u4e0e Stripe \u7684\u5408\u4f5c\u8ba9\u5176\u80fd\u591f\u63a5\u89e6\u5230 26 \u4e2a\u56fd\u5bb6\u7684\u5546\u6237\uff0c\u5c06 BNPL \u5d4c\u5165\u5df2\u7ecf\u4f7f\u7528 Stripe \u6280\u672f\u6808\u7684\u4f01\u4e1a\u7684\u7ed3\u8d26\u6d41\u7a0b\u3002\u4e0e DoorDash \u7684\u6346\u7ed1\u5c06\u5206\u671f\u4ed8\u6b3e\u5e26\u5165\u65e5\u5e38\u6d88\u8d39\u7c7b\u522b\uff0c\u4ece\u5916\u5356\u5230\u4fbf\u5229\u5e97\u5f00\u9500\uff0c\u7528\u6237\u53ef\u4ee5\u9009\u62e9\u4e00\u6b21\u6027\u4ed8\u6e05\u3001\u56db\u671f\u514d\u606f\u5206\u671f\u6216\u56f4\u7ed5\u53d1\u85aa\u65e5\u5b89\u6392\u4ed8\u6b3e\u3002\u8fd9\u4e9b\u4e0d\u662f\u4f5c\u79c0\u6027\u7684\u5408\u4f5c\u3002BNPL \u662f\u4e00\u4e2a\u89c4\u6a21\u6e38\u620f\uff0c\u66f4\u5e7f\u7684\u5546\u6237\u8986\u76d6\u5e26\u6765\u6570\u636e\u4f18\u52bf\u3001\u964d\u4f4e\u83b7\u5ba2\u6210\u672c\u5e76\u589e\u5f3a\u5728\u8d39\u7528\u8c08\u5224\u4e2d\u7684\u8bae\u4ef7\u80fd\u529b\u3002Klarna \u7684\u8d2d\u7269\u5e94\u7528\u3001\u5e7f\u544a\u5de5\u5177\u548c\u8054\u76df\u8ba1\u5212\u65e8\u5728\u52a0\u6df1\u7528\u6237\u53c2\u4e0e\u5e76\u5c06\u6536\u5165\u591a\u6837\u5316\uff0c\u8d85\u51fa\u5355\u7eaf\u7684\u8d37\u6b3e\u5229\u5dee\u3002\u6295\u8d44\u8005\u5c06\u5bfb\u627e\u8fd9\u4e9b\u5408\u4f5c\u662f\u5426\u80fd\u8f6c\u5316\u4e3a\u66f4\u9ad8\u7684\u6bcf\u7528\u6237\u751f\u547d\u5468\u671f\u4ef7\u503c\u548c\u66f4\u7a33\u5b9a\u7684\u5229\u6da6\u7387\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u77ed\u671f\u7684\u8425\u6536\u7206\u53d1\u3002<\/p>\n

\u8d26\u7c3f\u7ba1\u7406\u4eba\u6b63\u5728\u6d4b\u8bd5\u4ec0\u4e48<\/h3>\n

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\u4f30\u503c\u6d4b\u7b97\u4e0e\u53ef\u6bd4\u516c\u53f8<\/h3>\n

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