{"id":422179,"date":"2022-04-27T22:47:52","date_gmt":"2022-04-28T05:47:52","guid":{"rendered":"https:\/\/nai500.com\/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\/"},"modified":"2022-04-27T22:48:03","modified_gmt":"2022-04-28T05:48:03","slug":"%e9%80%a2%e4%bd%8e%e8%b2%b7%e5%85%a5%e9%80%99%e4%ba%9b%e6%88%90%e9%95%b7%e8%82%a1%e7%9a%84%e6%a9%9f%e6%9c%83%e4%be%86%e4%ba%86","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2022\/04\/%e9%80%a2%e4%bd%8e%e8%b2%b7%e5%85%a5%e9%80%99%e4%ba%9b%e6%88%90%e9%95%b7%e8%82%a1%e7%9a%84%e6%a9%9f%e6%9c%83%e4%be%86%e4%ba%86\/","title":{"rendered":"\u9022\u4f4e\u8cb7\u5165\u9019\u4e9b\u6210\u9577\u80a1\u7684\u6a5f\u6703\u4f86\u4e86"},"content":{"rendered":"<h2>\u95dc\u9375\u9ede<\/h2>\n<ul>\n<li>\u9019\u5169\u96bb\u6210\u9577\u80a1\u7968\u5728\u79d1\u6280\u80a1\u62cb\u552e\u671f\u9593\u90fd\u53d7\u5230\u4e86\u6253\u64ca\u3002<\/li>\n<li>Upstart\u57282021\u5e74\u6536\u5165\u589e\u9577\u4e86264%\u3002<\/li>\n<li>Unity\u6b63\u5728\u9032\u4e00\u6b65\u767c\u5c55\u6210\u70ba\u904a\u6232\u884c\u696d\u7684\u9818\u5c0e\u8005\u3002<\/li>\n<\/ul>\n<p>\u5118\u7ba1\u50f9\u683c\u4e0b\u8dcc\u5f97\u5f88\u53b2\u5bb3\uff0c\u4f46\u9019\u5169\u96bb\u6210\u9577\u80a1\u7968\u662f\u5f88\u597d\u7684\u9577\u671f\u6a5f\u6703\u3002<\/p>\n<p>\u904e\u53bb\u7684\u4e00\u5e74\u5c0d\u79d1\u6280\u80a1\u6295\u8cc7\u8005\u4e26\u4e0d\u53cb\u597d\uff0c\u7d0d\u65af\u9054\u514b\u7d9c\u5408\u6307\u6578\u5f9e\u6b77\u53f2\u9ad8\u9ede\u4e0b\u8dcc\u4e8620%\u3002\u5118\u7ba1\u5728\u8ca1\u52d9\u548c\u904b\u71df\u65b9\u9762\u4fdd\u6301\u5f37\u52c1\uff0c\u4f46\u5e7e\u5341\u5bb6\u79d1\u6280\u516c\u53f8\u5f9e\u6b77\u53f2\u9ad8\u9ede\u4e0b\u8dcc\u4e8640%\u4ee5\u4e0a\u3002<\/p>\n<p>Upstart Holdings (<a href=\"https:\/\/nai500.com\/zh-hant\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%a9%a2\/?qm_symbol=UPST\">UPST<\/a>)\u548cUnity Software (<a href=\"https:\/\/nai500.com\/zh-hant\/%e8%82%a1%e7%a5%a8%e6%9f%a5%e8%a9%a2\/?qm_symbol=U\">U<\/a>)\u90fd\u5c6c\uffff\u9019\u500b\u7fa4\u9ad4\uff0c\u5f9e\u6b77\u53f2\u9ad8\u9ede\u5206\u5225\u4e0b\u8dcc\u4e8681%\u548c62%\uff0c\u4f46\u9019\u4e9b\u516c\u53f8\u7684\u63a1\u7528\u7387\u548c\u8ca1\u52d9\u72c0\u6cc1\u90fd\u6709\u4ee4\u4eba\u5370\u8c61\u6df1\u523b\u7684\u6539\u5584\u3002\u5118\u7ba1\u5982\u6b64\uff0c\u7531\u65bc\u5b83\u5011\u5728\u5404\u81ea\u7684\u5e02\u5834\u4e0a\u90fd\u6709\u6301\u4e45\u7684\u512a\u52e2\uff0c\u4f60\u53ef\u80fd\u8981\u8003\u616e\u5728\u5b83\u5011\u4ecd\u7136\u4fbf\u5b9c\u7684\u6642\u5019\u8cfc\u5165\u9019\u4e9b\u6210\u9577\u80a1\u3002<\/p>\n<h2>1. \u65b0\u8208\u4f01\u696d<\/h2>\n<p>\u8a31\u591a\u5927\u578b\u9280\u884c\u50c5\u6839\u64da\u5c11\u6578\u8b8a\u91cf\u4f86\u78ba\u5b9a\u4fe1\u7528\u5ea6\uff0c\u4e26\u56b4\u91cd\u4f9d\u8cf4Fair Isaac (FICO%) \u7684 FICO \u4fe1\u7528\u8a55\u5206\uff0c\u4f46\u9019\u53ef\u80fd\u5b58\u5728\u7f3a\u9677\u3002\u5927\u591a\u6578\u7f8e\u570b\u4eba\u5f9e\u4f86\u6c92\u6709\u62d6\u6b20\u904e\u501f\u6b3e\uff0c\u4f46\u53ea\u670948%\u7684\u4eba\u64c1\u6709\u512a\u8cea\u4fe1\u7528\u8a55\u7d1a\u3002<\/p>\n<p>Upstart\u6b63\u5728\u6539\u8b8a\u9019\u7a2e\u60c5\u6cc1\uff0c\u5b83\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u5206\u67901500\u500b\u8b8a\u91cf\u548c\u8d85\u904e2100\u842c\u500b\u9084\u6b3e\u4e8b\u4ef6\uff0c\u5c0d\u7533\u8acb\u4eba\u7684\u4fe1\u7528\u9032\u884c\u66f4\u6e96\u78ba\u7684\u63cf\u7e6a\u3002<\/p>\n<p>\u8a72\u516c\u53f8\u8207\u9280\u884c\u5408\u4f5c\u7d66\u4e88\u9019\u4e9b\u4fe1\u7528\u8a55\u7d1a\u3002\u5b83\u53ef\u4ee5\u5411\u66f4\u591a\u7684\u7f8e\u570b\u4eba\u63d0\u4f9b\u7372\u5f97\u512a\u8cea\u4fe1\u8cb8\u7684\u6a5f\u6703\uff0c\u540c\u6642\u5e7e\u4e4e\u4e0d\u627f\u64d4\u4efb\u4f55\u4fe1\u8cb8\u98a8\u96aa\u3002<\/p>\n<p>\u7531\u65bc\u4fe1\u7528\u8a55\u7d1a\u696d\u52d9\u5b58\u5728\u7f3a\u9677\uff0cUpstart\u6b63\u8a66\u5716\u985b\u8986\u9019\u4e00\u696d\u52d9\uff0c\u800c\u4e14\u5230\u76ee\u524d\u70ba\u6b62\u5b83\u5df2\u7d93\u770b\u5230\u4e86\u6210\u529f\u3002\u50c5\u57282021\u5e74\u7b2c\u56db\u5b63\u5ea6\uff0c\u8a72\u516c\u53f8\u5c31\u5c0d\u8fd150\u842c\u7b46\u8cb8\u6b3e\u505a\u51fa\u4e86\u5224\u65b7\uff0c\u540c\u6bd4\u589e\u9577302%\u3002\u7531\u65bc\u5b83\u5f9e\u6bcf\u7b46\u8cb8\u6b3e\u7684\u767c\u653e\u4e2d\u8cfa\u9322\uff0c 2021\u5e74\uff0c\u6536\u5165\u9054\u52308.49\u5104\u7f8e\u5143\uff0c\u540c\u6bd4\u66b4\u6f32264%\u3002<\/p>\n<p>Upstart\u7684\u975e\u51e1\u4e4b\u8655\u5728\u65bc\u5b83\u5728\u5feb\u901f\u589e\u9577\u7684\u540c\u6642\u5be6\u73fe\u76c8\u5229\u7684\u80fd\u529b\u30022021\u5e74\uff0c\u6de8\u6536\u5165\u9054\u52301.35\u5104\u7f8e\u5143\uff0c\u5176\u81ea\u7531\u73fe\u91d1\u6d41\u8d85\u904e\u4e861.53\u5104\u7f8e\u5143\u3002\u8a72\u516c\u53f8\u6307\u5c0e2022\u5e74\u7684\u6536\u5165\u70ba14\u5104\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u957765%\u3002<\/p>\n<h2>2. 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