{"id":591064,"date":"2025-09-03T06:15:01","date_gmt":"2025-09-03T13:15:01","guid":{"rendered":"https:\/\/nai500.com\/blog\/2025\/09\/klarna-ipo-140-afrm-pypl\/"},"modified":"2025-09-03T06:15:01","modified_gmt":"2025-09-03T13:15:01","slug":"klarna-ipo-140-afrm-pypl","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2025\/09\/klarna-ipo-140-afrm-pypl\/","title":{"rendered":"Klarna IPO \u76ee\u6a19 140 \u5104\u7f8e\u5143\u3002AFRM\u3001PYPL \u6703\u611f\u53d7\u5230\u58d3\u529b\u55ce\uff1f"},"content":{"rendered":"

Klarna \u91cd\u65b0\u56de\u5230\u7f8e\u570b IPO \u884c\u7a0b\uff0c\u5b9a\u50f9\u5340\u9593\u6697\u793a\u6700\u9ad8\u53ef\u9054 140 \u5104\u7f8e\u5143\u4f30\u503c\uff0c\u767c\u552e 3,430 \u842c\u80a1\uff0c\u50f9\u683c\u70ba\u6bcf\u80a1 35 \u81f3 37 \u7f8e\u5143\uff0c\u9810\u8a08\u52df\u8cc7\u7d04 12.7 \u5104\u7f8e\u5143\u3002Goldman Sachs\u3001JPMorgan \u8207 Morgan Stanley \u9818\u929c\u627f\u92b7\uff0c\u986f\u793a\u5927\u9280\u884c\u5c0d\u65bc\u901a\u5e38\u5728\u52de\u52d5\u7bc0\u5f8c\u7acb\u5373\u5347\u6eab\u7684\u518d\u958b\u653e\u80a1\u7968\u7a97\u53e3\u6709\u4fe1\u5fc3\u3002\u9019\u5bb6\u745e\u5178\u7684\u300c\u5148\u8cb7\u5f8c\u4ed8\u300d\u5148\u9a45\u5728\u6295\u8cc7\u4eba\u5c0d\u9ad8\u6210\u9577\u91d1\u878d\u79d1\u6280\u4ecd\u63a1\u53d6\u9078\u64c7\u6027\u614b\u5ea6\u6642\u4ecd\u7136\u63a8\u9032\u3002\u5982\u679c Klarna \u80fd\u9806\u5229\u5b9a\u50f9\uff0c\u53ef\u80fd\u70ba\u6691\u5047\u5f8c\u7684 IPO \u884c\u4e8b\u66c6\u5b9a\u4e0b\u57fa\u8abf\uff0c\u4e26\u8aaa\u660e\u516c\u958b\u5e02\u5834\u5982\u4f55\u5728\u9ad8\u5229\u7387\u74b0\u5883\u4e0b\u70ba\u5206\u671f\u4ed8\u6b3e\u696d\u52d9\u4f30\u503c\u3002<\/p>\n

\u8a2d\u5b9a\u57fa\u8abf\u7684\u689d\u6b3e<\/h3>\n

\u8a72\u5340\u9593\u5c07 Klarna \u9396\u5b9a\u5728\u9060\u4f4e\u65bc 2021 \u5e74\u79c1\u52df\u9ad8\u9ede 460 \u5104\u7f8e\u5143\uff0c\u4f46\u9060\u9ad8\u65bc 2022 \u5e74\u63a5\u8fd1 67 \u5104\u7f8e\u5143\u7684\u4e0b\u8abf\u4f30\u503c\u3002\u9019\u7a2e\u91cd\u8a2d\u662f\u523b\u610f\u70ba\u4e4b\uff1a\u516c\u53f8\u9700\u8981\u8db3\u5920\u7684\u7a7a\u9593\u4ee5\u7372\u5f97\u7a69\u5b9a\u7684\u9996\u65e5\u8868\u73fe\uff0c\u4e26\u7d66\u65b0\u9032\u8cc7\u91d1\u7372\u5229\u7684\u7a7a\u9593\uff0c\u540c\u6642\u4e0d\u518d\u63ed\u958b\u4e0a\u4e00\u8f2a\u904e\u5ea6\u6a02\u89c0\u7684\u50b7\u53e3\u3002\u627f\u92b7\u5718\u5728\u63a8\u92b7\u7684\u8ad6\u8ff0\u662f\uff0c\u4eca\u65e5\u7684 Klarna \u5df2\u4e0d\u518d\u662f\u300c\u4e0d\u8a08\u4ee3\u50f9\u6210\u9577\u300d\u7684\u6545\u4e8b\uff0c\u800c\u662f\u4e00\u500b\u591a\u5143\u5316\u7684\u652f\u4ed8\u8207\u8cfc\u7269\u5e73\u53f0\uff0c\u4e26\u64c1\u6709\u65e5\u76ca\u6210\u719f\u7684\u4fe1\u8cb8\u6a21\u578b\u3002\u6240\u63d0\u4f9b\u7684\u662f\u4e00\u500b\u8072\u7a31\u80fd\u5920\u5728\u7372\u5229\u64f4\u5f35\u7684\u540c\u6642\uff0c\u5f9e\u65e2\u6709\u5361\u7247\u8207\u50b3\u7d71\u9ede\u552e\u8cb8\u6b3e\u4e2d\u6436\u4f54\u5e02\u5360\u7684\u696d\u52d9\u3002\u6b0a\u76ca\u6545\u4e8b\u53d6\u6c7a\u65bc\u6295\u8cc7\u4eba\u662f\u5426\u63a5\u53d7\u5728\u4e2d\u500b\u4f4d\u6578\u71df\u6536\u500d\u6578\u4e0b\u7684\u6558\u4e8b\uff0c\u800c\u975e\u56e0\u4fe1\u8cb8\u98a8\u96aa\u8981\u6c42\u66f4\u5927\u7684\u6298\u8b93\u3002<\/p>\n

BNPL \u6210\u9577\u9047\u4e0a\u9ad8\u5229\u7387\u73fe\u5be6<\/h3>\n

\u96a8\u8457\u96fb\u5b50\u5546\u52d9\u4ea4\u6613\u91cf\u4e0a\u5347\uff0cBNPL \u7684\u6ef2\u900f\u7387\u6301\u7e8c\u6500\u5347\uff0cKlarna \u662f\u4e3b\u8981\u53d7\u76ca\u8005\u4e4b\u4e00\u3002\u4f46\u8a72\u6a21\u5f0f\u7684\u7d93\u6fdf\u6027\u8207\u8cc7\u91d1\u6210\u672c\u548c\u6d88\u8cbb\u8005\u4fe1\u8cb8\u5faa\u74b0\u7dca\u5bc6\u76f8\u9023\u3002\u8f03\u9ad8\u7684\u5229\u7387\u6703\u58d3\u7e2e\u5229\u5dee\uff0c\u9664\u975e\u696d\u8005\u91cd\u65b0\u5b9a\u50f9\u6216\u5411\u4e0a\u79fb\u52d5\u98a8\u96aa\u66f2\u7dda\u3002\u640d\u5931\u6e96\u5099\u8207\u5446\u5e33\u7ba1\u7406\u6210\u70ba\u6210\u6557\u95dc\u9375\u8b8a\u6578\uff0c\u5c24\u5176\u5728\u7f8e\u570b\u3001\u82f1\u570b\u8207\u6b50\u6d32\u76e3\u7ba1\u6a5f\u95dc\u63a8\u52d5\u66f4\u56b4\u683c\u7684\u76e3\u7ba1\u8207\u985e\u4f3c\u4fe1\u7528\u5361\u7684\u4fdd\u8b77\u63aa\u65bd\u4e0b\u3002\u9019\u7a2e\u58d3\u529b\u4e26\u975e\u7406\u8ad6\u6027\u3002Klarna \u5831\u544a\u7b2c 2 \u5b63\u6de8\u8667\u640d 5,300 \u842c\u7f8e\u5143\uff0c\u8f03\u4e00\u5e74\u524d\u7684 1,800 \u842c\u7f8e\u5143\u8667\u640d\u64f4\u5927\uff0c\u63d0\u9192\u4eba\u5011\u55ae\u5b63\u696d\u7e3e\u6703\u96a8\u4fe1\u8cb8\u6210\u672c\u3001\u5e02\u5834\u884c\u92b7\u7bc0\u594f\u8207\u5340\u57df\u7d44\u5408\u800c\u6ce2\u52d5\u3002\u516c\u958b\u5e02\u5834\u6295\u8cc7\u4eba\u6703\u5c07\u6b64\u985e\u6ce2\u52d5\u8207\u4e0a\u5e02\u540c\u696d\u5f9e\u652f\u4ed8\u5e73\u53f0\u5230\u7d14 BNPL \u540d\u7a31\uff08\u5982 Affirm\uff09\uff0c\u4ee5\u53ca\u5c07\u5206\u671f\u7d0d\u5165\u66f4\u5927\u751f\u614b\u7cfb\u7684 PayPal \u8207 Block \u5c0d\u7167\u8a55\u4f30\u3002<\/p>\n

\u5f9e\u8d85\u901f\u6210\u9577\u5230\u7d00\u5f8b\u904b\u4f5c<\/h3>\n

Klarna \u4f9d\u9760\u71df\u904b\u9032\u5c55\u4f86\u634d\u885b\u5176\u4f30\u503c\u3002\u53bb\u5e74\u71df\u6536\u6210\u9577 24%\uff0c\u9054 28 \u5104\u7f8e\u5143\uff0c\u516c\u53f8\u5831\u544a\u7d93\u8abf\u6574\u71df\u904b\u5229\u6f64 1.81 \u5104\u7f8e\u5143\uff0c\u8f03\u524d\u4e00\u5e74 4,900 \u842c\u7f8e\u5143\u7684\u8667\u640d\u8f49\u6b63\u3002\u6210\u672c\u524a\u6e1b\u3001\u627f\u4fdd\u6539\u5584\u8207\u5546\u6236\u8b8a\u73fe\u63aa\u65bd\u5e36\u4f86\u5e6b\u52a9\u3002\u95dc\u9375\u554f\u984c\u662f\u80fd\u5426\u6301\u4e45\u3002Klarna \u80fd\u5426\u5728\u5b8f\u89c0\u60c5\u6cc1\u8b8a\u5316\u6642\uff0c\u6301\u7e8c\u64f4\u5927\u5546\u54c1\u6210\u4ea4\u7e3d\u984d\u8207\u62bd\u6210\u7387\uff0c\u540c\u6642\u5c07\u4fe1\u8cb8\u640d\u5931\u7dad\u6301\u5728\u76ee\u6a19\u5340\u9593\uff1f\u516c\u53f8\u7684\u6a21\u5f0f\u4ef0\u8cf4\u70ba\u5546\u6236\u63d0\u4f9b\u66f4\u9ad8\u7684\u8f49\u63db\u7387\u8207\u70ba\u6d88\u8cbb\u8005\u63d0\u4f9b\u5f48\u6027\u7684\u689d\u6b3e\uff0c\u800c\u4e0d\u6703\u904e\u5ea6\u88dc\u8cbc\u4efb\u4e00\u65b9\u3002\u9019\u9700\u8981\u98a8\u96aa\u5206\u6790\u7dca\u5bc6\u7684\u56de\u994b\u8ff4\u8def\uff0c\u4ee5\u53ca\u9858\u610f\u653e\u68c4\u908a\u969b\u65cf\u7fa4\u7684\u6c7a\u5fc3\u3002\u516c\u958b\u5e02\u5834\u5c07\u734e\u52f5\u4e00\u81f4\u6027\uff0c\u4e26\u5728\u640d\u5931\u7387\u6216\u8cc7\u91d1\u6210\u672c\u4e0a\u51fa\u73fe\u8f15\u5fae\u5931\u8aa4\u6642\u4e88\u4ee5\u61f2\u7f70\u3002<\/p>\n

\u901a\u8def\u5408\u4f5c\u5f88\u91cd\u8981<\/h3>\n

\u5728 IPO \u4e4b\u524d\uff0cKlarna \u4e00\u76f4\u5728\u64f4\u5927\u5206\u92b7\u3002\u8207 Stripe \u7684\u5408\u4f5c\u8b93\u5176\u63a5\u89f8\u5230 26 \u500b\u570b\u5bb6\u7684\u5546\u6236\uff0c\u5c07 BNPL \u5d4c\u5165\u5df2\u4f7f\u7528 Stripe \u6280\u8853\u68e7\u7684\u5546\u5bb6\u7d50\u5e33\u6d41\u7a0b\u4e2d\u3002\u8207 DoorDash \u7684\u7d81\u5b9a\u5247\u628a\u5206\u671f\u5e36\u5165\u65e5\u5e38\u6d88\u8cbb\u985e\u5225\uff0c\u5f9e\u5916\u9001\u5230\u4fbf\u5229\u5546\u5e97\uff0c\u4e26\u63d0\u4f9b\u4e00\u6b21\u4ed8\u6e05\u3001\u56db\u671f\u514d\u606f\u6216\u4f9d\u85aa\u8cc7\u65e5\u6392\u7a0b\u4ed8\u6b3e\u7684\u9078\u9805\u3002\u9019\u4e9b\u4e26\u975e\u865b\u6709\u5176\u8868\u7684\u5408\u4f5c\u3002BNPL \u662f\u4e00\u5834\u898f\u6a21\u904a\u6232\uff0c\u8f03\u5ee3\u7684\u5546\u6236\u8986\u84cb\u5e36\u4f86\u8cc7\u6599\u512a\u52e2\u3001\u964d\u4f4e\u7372\u5ba2\u6210\u672c\u4e26\u5f37\u5316\u5c0d\u8cbb\u7387\u7684\u8b70\u50f9\u80fd\u529b\u3002Klarna \u7684\u8cfc\u7269\u61c9\u7528\u3001\u5ee3\u544a\u5de5\u5177\u8207\u806f\u76df\u8a08\u756b\u65e8\u5728\u6df1\u5316\u9ecf\u8457\u5ea6\u4e26\u5c07\u71df\u6536\u591a\u5143\u5316\uff0c\u8d85\u8d8a\u55ae\u7d14\u7684\u653e\u6b3e\u5229\u5dee\u3002\u6295\u8cc7\u4eba\u5c07\u5c0b\u6c42\u8b49\u64da\uff0c\u8b49\u660e\u9019\u4e9b\u5408\u4f5c\u80fd\u8f49\u5316\u70ba\u8f03\u9ad8\u7684\u4f7f\u7528\u8005\u7d42\u8eab\u50f9\u503c\u8207\u66f4\u7a69\u5b9a\u7684\u5229\u6f64\uff0c\u800c\u975e\u50c5\u50c5\u5e36\u4f86\u71df\u6536\u77ed\u671f\u8df3\u5347\u3002<\/p>\n

\u627f\u92b7\u5718\u5728\u6e2c\u8a66\u4ec0\u9ebc<\/h3>\n

\u8def\u6f14\u5c0d\u8a71\u5c07\u63a2\u8a62\u4e09\u500b\u58d3\u529b\u9ede\uff1a\u81ea\u7136\u7684\u6301\u6709\u8005\u662f\u8ab0\u3001\u516c\u53f8\u5982\u4f55\u70ba\u6210\u9577\u63d0\u4f9b\u8cc7\u91d1\uff0c\u4ee5\u53ca\u9396\u5b9a\u671f\u8207\u7a69\u5b9a\u5316\u6a5f\u5236\u6703\u6709\u591a\u7a4d\u6975\u3002\u932f\u904e 2021 \u5e74\u79c1\u52df\u8f2a\u7684\u9577\u671f\u6301\u6709\u578b\u57fa\u91d1\uff0c\u82e5\u5c07 Klarna \u8996\u70ba\u652f\u4ed8\u5e73\u53f0\u800c\u975e\u6d88\u8cbb\u6027\u653e\u6b3e\u6a5f\u69cb\uff0c\u53ef\u80fd\u6210\u70ba\u7c3f\u8a18\u7684\u57fa\u790e\u3002\u5c0d\u6c96\u57fa\u91d1\u5c07\u5c0b\u6c42\u4ea4\u6613\u6d41\u901a\u80a1\u8207\u660e\u78ba\u7684\u7a69\u5b9a\u8a08\u756b\u4ee5\u7ba1\u7406\u9996\u65e5\u6ce2\u52d5\u3002\u5728\u8cc7\u91d1\u9762\uff0c\u9810\u671f\u6703\u88ab\u554f\u5230\u5009\u5132\u6388\u4fe1\u3001\u8b49\u5238\u5316\u80c3\u7d0d\u5ea6\u4ee5\u53ca\u8cc7\u7522\u8ca0\u50b5\u8868\u5167\u5916\u8cc7\u91d1\u7d50\u69cb\u7684\u7d44\u5408\u3002\u8cc7\u91d1\u4f86\u6e90\u8d8a\u591a\u5143\u5316\uff0c\u7372\u5229\u5c31\u8d8a\u4e0d\u6703\u88ab\u5229\u7387\u8b8a\u52d5\u97ad\u6253\u3002\u627f\u92b7\u5718\u7684\u4efb\u52d9\u662f\u5c07\u90a3\u7a2e\u7d30\u7dfb\u7684\u98a8\u96aa\u8f2a\u5ed3\u8207\u9858\u610f\u6301\u6709\u8de8\u8d8a\u4fe1\u8cb8\u5faa\u74b0\u7684\u6295\u8cc7\u4eba\u5339\u914d\uff0c\u800c\u975e\u50c5\u50c5\u4ea4\u6613\u9996\u767c\u3002<\/p>\n

\u4f30\u503c\u7b97\u6cd5\u8207\u53ef\u6bd4\u8f03\u516c\u53f8<\/h3>\n

\u5728\u5340\u9593\u9ad8\u7aef\uff0cKlarna \u7684\u4f30\u503c\u7d04\u70ba\u53bb\u5e74\u71df\u6536\u7684\u4e94\u500d\uff0c\u4e26\u6839\u64da\u6de8\u73fe\u91d1\u8207\u512a\u5148\u7d50\u69cb\u9032\u884c\u4e0a\u4e0b\u8abf\u6574\u3002\u9019\u4f7f\u5176\u4f4e\u65bc\u9ad8\u6210\u9577\u8edf\u9ad4\u4f46\u9ad8\u65bc\u8a31\u591a\u652f\u4ed8\u8655\u7406\u5546\uff0c\u53cd\u6620\u5e02\u5834\u8a8d\u70ba BNPL \u540c\u6642\u5177\u5099\u79d1\u6280\u8207\u4fe1\u8cb8\u7684\u8981\u7d20\u3002\u53ef\u6bd4\u8f03\u516c\u53f8\u7684\u5c0d\u8a71\u4e0d\u53ef\u907f\u514d\u6703\u56de\u5230 Affirm\uff0c\u4ee5\u53ca\u5982 PayPal\u3001Block \u8207 Adyen \u7b49\u66f4\u5ee3\u6cdb\u7684\u652f\u4ed8\u540d\u7a31\u3002\u6295\u8cc7\u4eba\u6703\u4f9d\u6210\u9577\u3001\u5229\u6f64\u7387\u8ecc\u8de1\u8207\u4fe1\u8cb8\u8868\u73fe\u4f86\u4e09\u89d2\u9a57\u8b49\u500d\u6578\uff0c\u4e26\u5957\u7528\u5c07\u9ecf\u6027\u653f\u7b56\u5229\u7387\u8207\u4e0d\u5747\u8861\u6d88\u8cbb\u529b\u7d0d\u5165\u8003\u91cf\u7684\u5b8f\u89c0\u8986\u84cb\u3002\u5982\u679c Klarna \u5728\u8f03\u7dca\u7684\u5340\u9593\u5b9a\u50f9\u4e26\u4e0a\u6f32\uff0c\u4ee3\u8868\u5e02\u5834\u5c0d\u53ef\u7ba1\u7406\u4fe1\u8cb8\u4e0b\u7684\u6709\u5229\u53ef\u5716\u6210\u9577\u91cd\u62fe\u98a8\u96aa\u80c3\u7d0d\u3002\u82e5\u9700\u58d3\u4f4e\u5340\u9593\u6216\u589e\u52a0\u8b93\u6e21\uff0c\u5f8c\u7e8c\u5f85\u4e0a\u5e02\u8005\u6703\u7559\u610f\u3002<\/p>\n

\u76e3\u7ba1\u61f8\u800c\u672a\u6c7a\u4e0d\u6703\u6d88\u5931<\/h3>\n

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