{"id":422529,"date":"2022-04-30T00:18:21","date_gmt":"2022-04-30T07:18:21","guid":{"rendered":"https:\/\/nai500.com\/blog\/2022\/04\/%e8%bf%99%e4%b8%a4%e5%8f%aa%e6%88%90%e9%95%bf%e8%82%a1%e6%9c%89%e5%b7%a8%e5%a4%a7%e4%b8%8a%e6%b6%a8%e7%a9%ba%e9%97%b4\/"},"modified":"2022-04-30T00:18:30","modified_gmt":"2022-04-30T07:18:30","slug":"%e9%80%99%e5%85%a9%e9%9a%bb%e6%88%90%e9%95%b7%e8%82%a1%e6%9c%89%e5%b7%a8%e5%a4%a7%e4%b8%8a%e6%bc%b2%e7%a9%ba%e9%96%93","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2022\/04\/%e9%80%99%e5%85%a9%e9%9a%bb%e6%88%90%e9%95%b7%e8%82%a1%e6%9c%89%e5%b7%a8%e5%a4%a7%e4%b8%8a%e6%bc%b2%e7%a9%ba%e9%96%93\/","title":{"rendered":"\u9019\u5169\u96bb\u6210\u9577\u80a1\u6709\u5de8\u5927\u4e0a\u6f32\u7a7a\u9593"},"content":{"rendered":"

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\u95dc\u9375\u9ede<\/h2>\n

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Upstart\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u4f86\u5e6b\u52a9\u8cb8\u6b3e\u4eba\u66f4\u7cbe\u78ba\u5730\u91cf\u5316\u98a8\u96aa\u3002<\/p>\n

Block\u7c21\u5316\u4e86\u5546\u5bb6\u548c\u6d88\u8cbb\u8005\u7684\u91d1\u878d\u670d\u52d9\u3002<\/p>\n

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\u96a8\u8457\u7d93\u6fdf\u5f9e\u5927\u6d41\u884c\u958b\u59cb\u53cd\u5f48\uff0c\u6a19\u6e96\u666e\u723e 500 \u6307\u6578\u53bb\u5e74\u98c6\u5347 26.9%\uff0c\u9019\u662f\u904e\u53bb\u4e8c\u5341\u5e74\u4f86\u7b2c\u4e09\u6b21\u826f\u597d\u7684\u8868\u73fe\u30022022\u5e74\u7684\u60c5\u6cc1\u537b\u6070\u6070\u76f8\u53cd\u3002\u5728\u901a\u8139\u98c6\u5347\u548c\u5229\u7387\u4e0a\u5347\u7684\u63a8\u52d5\u4e0b\uff0c\u6a19\u666e500\u6307\u6578\u4eca\u5e74\u8fc4\u4eca\u4e0b\u8dcc\u4e86\u8fd111%\uff0c\u8a31\u591a\u500b\u80a1\u5f9e\u9ad8\u4f4d\u5927\u5e45\u4e0b\u8dcc\u3002<\/p>\n

\u4f8b\u5982\uff0c\u6210\u9577\u80a1Upstart Holdings\uff08UPST<\/a>\uff09\u548cBlock\uff08SQ<\/a>\uff09\u7684\u80a1\u50f9\u5206\u5225\u4e0b\u8dcc80%\u548c63%\u3002\u5176\u4e2d\u4e00\u4e9b\u62cb\u552e\u53ef\u6b78\u56e0\u65bc\u6574\u500b\u5927\u6d41\u884c\u671f\u9593\u7684\u9ad8\u4f30\u503c\uff0c\u4f46\u4e5f\u6709\u4e00\u4e9b\u539f\u56e0\u53ef\u80fd\u4f86\u81ea\u65bc\u5c0d\u8271\u96e3\u7684\u5b8f\u89c0\u7d93\u6fdf\u74b0\u5883\u4e0b\u8fd1\u671f\u589e\u9577\u7684\u64d4\u6182\u3002\u5e78\u904b\u7684\u662f\uff0c\u9019\u70ba\u9577\u671f\u6295\u8cc7\u8005\u5275\u9020\u4e86\u4e00\u500b\u8cfc\u8cb7\u6210\u9577\u80a1\u7684\u6a5f\u6703\u3002<\/p>\n

1. \u65b0\u8208\u4f01\u696d<\/h2>\n

\u591a\u5e74\u4f86\uff0c\u9280\u884c\u570d\u7e5e Fair Isaac \u7684 FICO \u8a55\u5206\u5efa\u7acb\u4e86\u4fe1\u7528\u6a21\u578b\uff0c\u8a72\u8a55\u5206\u65e8\u5728\u91cf\u5316\u4fe1\u7528\u5ea6\u3002\u4f46\u5178\u578b\u7684 FICO \u8a18\u5206\u5361\u662f\u4f7f\u7528\u5c11\u65bc 20 \u500b\u8b8a\u91cf\u751f\u6210\u7684\uff0c\u9019\u610f\u5473\u8457\u9280\u884c\u5728\u505a\u51fa\u8cb8\u6b3e\u6c7a\u7b56\u6642\u5f80\u5f80\u5c0d\u771f\u5be6\u98a8\u96aa\u7684\u77ad\u89e3\u4e26\u4e0d\u5b8c\u6574\u3002\u53cd\u904e\u4f86\uff0c\u4e00\u4e9b\u501f\u6b3e\u4eba\u88ab\u4e0d\u5fc5\u8981\u5730\u62d2\u7d55\uff0c\u5176\u4ed6\u4eba\u88ab\u932f\u8aa4\u5730\u5141\u8a31\u8cb8\u6b3e\uff0c\u8a31\u591a\u6709\u4fe1\u8b7d\u7684\u4eba\u652f\u4ed8\u904e\u591a\u7684\u5229\u606f\u4f86\u88dc\u8cbc\u90a3\u4e9b\u4e0d\u53ef\u907f\u514d\u5730\u9055\u7d04\u7684\u4eba\u3002\u9019\u5c31\u662f Upstart \u53ef\u4ee5\u767c\u63ee\u4f5c\u7528\u7684\u5730\u65b9\u3002<\/p>\n

Upstart\u5e73\u81fa\u4f9d\u9760\u5927\u6578\u64da\u548c\u4eba\u5de5\u667a\u80fd\uff08AI\uff09\u4f86\u5e6b\u52a9\u8cb8\u6b3e\u4eba\u66f4\u7cbe\u78ba\u5730\u91cf\u5316\u98a8\u96aa\u3002\u5177\u9ad4\u4f86\u8aaa\uff0c\u5b83\u70ba\u6bcf\u500b\u501f\u6b3e\u4eba\u6355\u6349\u4e86\u8d85\u904e1500\u500b\u6578\u64da\u9ede\uff0c\u4e26\u6839\u64da2160\u842c\u500b\u904e\u53bb\u7684\u9084\u6b3e\u4e8b\u4ef6\uff08\u9084\u5728\u8a08\u7b97\u4e2d\uff09\u9032\u884c\u8861\u91cf\u3002\u5167\u90e8\u7814\u7a76\u8868\u660e\uff0c\u8207\u50b3\u7d71\u7684\u4fe1\u8cb8\u6a21\u578b\u76f8\u6bd4\uff0cUpstart\u7684\u4eba\u5de5\u667a\u80fd\u6a21\u578b\u53ef\u4ee5\u5c07\u9055\u7d04\u7387\u964d\u4f4e75%\uff0c\u540c\u6642\u4fdd\u6301\u5be9\u6279\u7387\u4e0d\u8b8a\uff1b\u6216\u8005\u8aaa\uff0c\u5b83\u5011\u53ef\u4ee5\u5c07\u5be9\u6279\u7387\u63d0\u9ad8173%\uff0c\u540c\u6642\u4fdd\u6301\u9055\u7d04\u7387\u4e0d\u8b8a\u3002\u8cb8\u6b3e\u4eba\u7121\u8ad6\u5982\u4f55\u90fd\u6703\u53d7\u76ca\u3002<\/p>\n

\u6beb\u4e0d\u5947\u602a\uff0cUpstart\u6b63\u4ee5\u9a5a\u4eba\u7684\u901f\u5ea6\u589e\u9577\u3002\u53bb\u5e74\uff0c\u6536\u5165\u731b\u589e264%\u81f38.49\u5104\u7f8e\u5143\uff0c\u516c\u53f8\u7522\u751f\u4e861.53\u5104\u7f8e\u5143\u7684\u81ea\u7531\u73fe\u91d1\u6d41\uff0c\u9ad8\u65bc2020\u5e74\u76841000\u842c\u7f8e\u5143\u3002\u4f46\u9019\u5bb6\u4eba\u5de5\u667a\u80fd\u9a45\u52d5\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u751a\u81f3\u9084\u6c92\u6709\u6316\u6398\u51fa\u771f\u6b63\u6f5b\u529b\u3002<\/p>\n

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\u6295\u8cc7\u8005\u61c9\u8a18\u4f4f\uff0cUpstart\u7684\u4eba\u5de5\u667a\u80fd\u6a21\u578b\u9084\u6c92\u6709\u5728\u4fe1\u8cb8\u9031\u671f\u7684\u4e0b\u964d\u671f\u9032\u884c\u904e\u6e2c\u8a66\uff0c\u6240\u4ee5\u80af\u5b9a\u6709\u98a8\u96aa\u3002\u4f46\u65e9\u671f\u7684\u7d50\u679c\u8868\u660e\u9019\u53ea\u6210\u9577\u80a1\u524d\u666f\u5149\u660e\uff0c\u6240\u4ee5\u9019\u53ea\u6210\u9577\u80a1\u503c\u5f97\u5192\u96aa\u3002<\/p>\n

2. Block<\/h2>\n

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Block\u9084\u901a\u904e\u5176Cash App\u5411\u6d88\u8cbb\u8005\u63d0\u4f9b\u91d1\u878d\u7522\u54c1\u548c\u670d\u52d9\uff0c\u8a72\u79fb\u52d5\u61c9\u7528\u7a0b\u5e8f\u5141\u8a31\u7528\u6236\u57f7\u884c\u4e00\u7cfb\u5217\u91d1\u878d\u529f\u80fd\uff0c\u5305\u62ec\u5f9e\u55ae\u4e00\u5e73\u81fa\u4e0a\u6e96\u5099\u7a05\u6536\u548c\u767c\u9001\u3001\u652f\u51fa\u548c\u6295\u8cc7\u8cc7\u91d1\u30022021\u5e74\uff0c\u9019\u7a2e\u4fbf\u5229\u70ba\u8a72\u5e73\u81fa\u5e36\u4f86\u4e864400\u842c\u6708\u5ea6\u6d3b\u8e8d\u7528\u6236\uff0c\u6bd42020\u5e74\u589e\u957722%\u3002<\/p>\n

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