[{“blockName”: “core/image”, “attrs”: {“id”: 651, “sizeSlug”: “large”}, “innerContent”: []}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“\u4f26\u6566\u4f5c\u4e3a\u5168\u7403\u751f\u6d3b\u6210\u672c\u6700\u9ad8\u7684\u57ce\u5e02\u4e4b\u4e00\uff0c\u4f26\u6566\u56fd\u738b\u5b66\u9662\uff08King’s College London\uff09\u7684\u4e2d\u56fd\u7559\u5b66\u751f\u5728\u6c42\u5b66\u671f\u95f4\u9762\u4e34\u7684\u538b\u529b\u4e0d\u8a00\u800c\u55bb\u3002\u6839\u636e\u82f1\u56fd\u9ad8\u7b49\u6559\u80b2\u7edf\u8ba1\u5c40\uff08HESA\uff092024/25\u6570\u636e\uff0cKCL\u5728\u6821\u4e2d\u56fd\u7559\u5b66\u751f\u5df2\u8d85\u8fc75,800\u4eba\uff0c\u662f\u82f1\u56fd\u6700\u53d7\u4e2d\u56fd\u5b66\u751f\u9752\u7750\u7684\u7f57\u7d20\u5927\u5b66\u96c6\u56e2\u6210\u5458\u4e4b\u4e00\u3002\u4ece\u5b66\u8d39\u7f34\u7eb3\u3001\u65e5\u5e38\u5f00\u9500\u5230\u8bfe\u4f59\u65c5\u884c\u63a2\u7d22\uff0c\u5982\u4f55\u5728\u6709\u9650\u7684\u9884\u7b97\u5185\u7075\u6d3b\u8c03\u914d\u8d44\u91d1\uff0c\u6210\u4e3a\u8bb8\u591aKCL\u534e\u4eba\u5b66\u5b50\u5173\u6ce8\u7684\u6838\u5fc3\u95ee\u9898\u3002″]}, {“blockName”: “core/heading”, “attrs”: {“level”: 2}, “innerContent”: [“\u4e00\u3001\u82f1\u56fd\u6d88\u8d39\u4fe1\u8d37\u5e02\u573a\u73b0\u72b6\u4e0eFCA\u76d1\u7ba1\u65b0\u89c4”]}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“\u82f1\u56fd\u662f\u5168\u7403\u6700\u6210\u719f\u7684\u6d88\u8d39\u91d1\u878d\u5e02\u573a\u4e4b\u4e00\uff0c\u6d88\u8d39\u4fe1\u8d37\u4ea7\u54c1\u79cd\u7c7b\u4e30\u5bcc\uff0c\u4ece\u4fe1\u7528\u5361\u3001\u4e2a\u4eba\u65e0\u62b5\u62bc\u8d37\u6b3e\u5230BNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\u5e94\u6709\u5c3d\u6709\u3002\u6839\u636e\u82f1\u56fd\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08FCA\uff092025\u5e74\u53d1\u5e03\u7684\u300a\u6d88\u8d39\u4fe1\u8d37\u5e02\u573a\u56de\u987e\u300b\uff0c\u82f1\u56fd\u6d88\u8d39\u4fe1\u8d37\u5e02\u573a\u89c4\u6a21\u8d85\u8fc72,100\u4ebf\u82f1\u9551\uff0c\u5176\u4e2d\u65e0\u62b5\u62bc\u4e2a\u4eba\u8d37\u6b3e\u4f59\u989d\u8fbe480\u4ebf\u82f1\u9551\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0cFCA\u5df2\u6b63\u5f0f\u786e\u8ba4\u5c06\u4e8e2026\u5e747\u670815\u65e5\u8d77\u5bf9BNPL\u884c\u4e1a\u5b9e\u65bd\u5168\u9762\u76d1\u7ba1\uff0c\u8fd9\u6807\u5fd7\u7740\u957f\u671f\u5904\u4e8e\u76d1\u7ba1\u7070\u8272\u5730\u5e26\u7684BNPL\u4ea7\u54c1\u6b63\u5f0f\u88ab\u7eb3\u5165\u82f1\u56fd\u6d88\u8d39\u4fe1\u8d37\u76d1\u7ba1\u4f53\u7cfb\uff0c\u8be6\u89c1FCA\u5b98\u65b9\u516c\u544a\u89e3\u8bfb\u3002\u8fd9\u4e00\u53d8\u9769\u610f\u5473\u7740\uff0c\u7559\u5b66\u751f\u5728\u4f7f\u7528BNPL\u670d\u52a1\u65f6\u5c06\u4eab\u6709\u66f4\u5b8c\u5584\u7684\u6cd5\u5f8b\u4fdd\u62a4\uff0c\u5305\u62ec\u900f\u660e\u7684\u8d39\u7528\u62ab\u9732\u548c\u51b7\u9759\u671f\u6743\u5229\u3002″]}, {“blockName”: “core/heading”, “attrs”: {“level”: 2}, “innerContent”: [“\u4e8c\u3001KCL\u4e2d\u56fd\u7559\u5b66\u751f\u53ef\u7533\u8bf7\u7684\u4e3b\u8981\u6d88\u8d39\u8d37\u6b3e\u7c7b\u578b”]}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“1. \u4e2a\u4eba\u65e0\u62b5\u62bc\u4fe1\u7528\u8d37\u6b3e\uff1a\u65e0\u9700\u62c5\u4fdd\u6216\u62b5\u62bc\u7269\uff0c\u51ed\u4e2a\u4eba\u4fe1\u7528\u8bb0\u5f55\u548c\u6536\u5165\u8bc1\u660e\u7533\u8bf7\uff0c\u9002\u5408\u6709\u56fa\u5b9a\u751f\u6d3b\u8d39\u7528\u7684\u7559\u5b66\u751f\u3002\u4e3b\u6d41\u8d37\u6b3e\u91d1\u989d\u5728500\u81f310,000\u82f1\u9551\u4e4b\u95f4\uff0c\u5e74\u5229\u7387\uff08APR\uff09\u56e0\u4e2a\u4eba\u4fe1\u7528\u72b6\u51b5\u4e0d\u540c\uff0c\u901a\u5e38\u57287.9%\u81f329.9%\u4e4b\u95f4\u3002\u8fd8\u6b3e\u671f\u9650\u53ef\u9009\u62e96\u4e2a\u6708\u81f35\u5e74\uff0c\u7075\u6d3b\u5ea6\u9ad8\u3002
2. BNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\uff1a\u5728FCA\u65b0\u89c4\u76d1\u7ba1\u4e0b\uff0cBNPL\u4ea7\u54c1\u53d8\u5f97\u66f4\u52a0\u89c4\u8303\u53ef\u9760\u3002\u7559\u5b66\u751f\u5728Amazon\u3001ASOS\u7b49\u5408\u4f5c\u5546\u5bb6\u8d2d\u7269\u65f6\uff0c\u53ef\u9009\u62e93\u81f312\u671f\u514d\u606f\u5206\u671f\u6216\u5229\u606f\u5206\u671f\uff0c\u6709\u6548\u7f13\u89e3\u77ed\u671f\u8d44\u91d1\u538b\u529b\uff0c\u4f46\u9700\u6ce8\u610f\u6309\u65f6\u8fd8\u6b3e\u4ee5\u7ef4\u62a4\u4e2a\u4eba\u4fe1\u7528\u8bb0\u5f55\u3002
3. \u4fe1\u7528\u5361\u6d88\u8d39\u8d37\uff1a\u82f1\u56fd\u4e3b\u8981\u94f6\u884c\u5982Barclays\u3001HSBC\u3001Monzo\u4e3a\u56fd\u9645\u5b66\u751f\u63d0\u4f9b\u5b66\u751f\u4fe1\u7528\u5361\uff0c\u4fe1\u7528\u989d\u5ea6\u901a\u5e38\u5728200\u81f31,500\u82f1\u9551\u4e4b\u95f4\uff0c\u9002\u5408\u65e5\u5e38\u5c0f\u989d\u6d88\u8d39\u5e76\u79ef\u7d2f\u82f1\u56fd\u672c\u571f\u4fe1\u7528\u8bb0\u5f55\u3002
4. \u5bb6\u957f\u8054\u5408\u62c5\u4fdd\u8d37\u6b3e\uff1a\u90e8\u5206\u82f1\u56fd\u672c\u5730 lender\uff08\u5982\u4f4e\u95e8\u69db\u8d37\u6b3e\u5e73\u53f0\uff09\u63a5\u53d7\u5728\u82f1\u7559\u5b66\u751f\u7684\u7236\u6bcd\u4f5c\u4e3a\u62c5\u4fdd\u4eba\u7533\u8bf7\u8d37\u6b3e\uff0c\u964d\u4f4e\u5ba1\u6279\u96be\u5ea6\uff0c\u63d0\u5347\u8d37\u6b3e\u989d\u5ea6\uff0c\u7279\u522b\u9002\u5408\u521d\u5230\u82f1\u56fd\u3001\u4fe1\u7528\u8bb0\u5f55\u5c1a\u5728\u5efa\u7acb\u9636\u6bb5\u7684\u7559\u5b66\u751f\u3002″]}, {“blockName”: “core/heading”, “attrs”: {“level”: 2}, “innerContent”: [“\u4e09\u3001FCA\u65b0\u89c4\u5bf9\u7559\u5b66\u751f\u4f7f\u7528\u6d88\u8d39\u8d37\u6b3e\u7684\u5f71\u54cd”]}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“FCA 2026\u5e74BNPL\u65b0\u89c4\u7684\u6838\u5fc3\u53d8\u5316\u4e3b\u8981\u4f53\u73b0\u5728\u4e09\u4e2a\u65b9\u9762\uff1a\u8d39\u7528\u900f\u660e\u5316\u2014\u2014\u6240\u6709BNPL\u4ea7\u54c1\u987b\u660e\u786e\u5c55\u793a\u5e74\u5316\u5229\u7387\uff08APR\uff09\uff0c\u4e0d\u5f97\u4ee5\”\u65e0\u606f\”\u7b49\u6a21\u7cca\u8868\u8ff0\u8bef\u5bfc\u6d88\u8d39\u8005\uff1b\u4fe1\u7528\u8bc4\u4f30\u5f3a\u5316\u2014\u2014\u8d37\u6b3e\u673a\u6784\u987b\u5bf9\u501f\u6b3e\u4eba\u8fdb\u884c\u5b8c\u6574 affordability check\uff08\u507f\u4ed8\u80fd\u529b\u8bc4\u4f30\uff09\uff0c\u9632\u6b62\u8fc7\u5ea6\u8d1f\u503a\uff1b\u4e89\u8bae\u89e3\u51b3\u673a\u5236\u2014\u2014\u8bbe\u7acb\u72ec\u7acb\u6295\u8bc9\u901a\u9053\uff0c\u7559\u5b66\u751f\u5982\u9047\u8d37\u6b3e\u7ea0\u7eb7\u53ef\u76f4\u63a5\u5411Financial Ombudsman Service\uff08FOS\uff09\u7533\u8bc9\u3002\u8fd9\u610f\u5473\u7740\u7559\u5b66\u751f\u5728\u7533\u8bf7\u6d88\u8d39\u8d37\u6b3e\u65f6\uff0c\u5c06\u83b7\u5f97\u4e0e\u672c\u5730\u5c45\u6c11\u540c\u7b49\u6c34\u5e73\u7684\u6cd5\u5f8b\u4fdd\u62a4\uff0c\u540c\u65f6\u8d37\u6b3e\u673a\u6784\u4e0d\u5f97\u56e0\u56fd\u9645\u5b66\u751f\u8eab\u4efd\u65bd\u52a0\u6b67\u89c6\u6027\u6761\u6b3e\u3002″]}, {“blockName”: “core/heading”, “attrs”: {“level”: 2}, “innerContent”: [“\u56db\u3001KCL\u4e2d\u56fd\u7559\u5b66\u751f\u7533\u8bf7\u6d88\u8d39\u8d37\u6b3e\u5b9e\u64cd\u653b\u7565”]}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“\u7b2c\u4e00\u6b65\uff1a\u5efa\u7acb\u82f1\u56fd\u672c\u5730\u4fe1\u7528\u8bb0\u5f55\u3002\u521d\u5230\u82f1\u56fd\u7684\u4e2d\u56fd\u7559\u5b66\u751f\uff0c\u5efa\u8bae\u4f18\u5148\u7533\u8bf7\u4e00\u5f20\u5b66\u751f\u4fe1\u7528\u5361\uff08\u5982Monzo\u3001Starling\u7b49\u7eaf\u6570\u5b57\u94f6\u884c\uff09\uff0c\u901a\u8fc7\u7ed1\u5b9a\u65e5\u5e38\u6d88\u8d39\uff08\u5982\u8d85\u5e02\u8d2d\u7269\u3001\u4ea4\u901a\u5361\u5145\u503c\uff09\u5e76\u6309\u65f6\u5168\u989d\u8fd8\u6b3e\uff0c\u9010\u6b65\u79ef\u7d2f\u826f\u597d\u7684\u4fe1\u7528\u62a5\u544a\u3002Experian\u3001Equifax\u7b49\u4fe1\u7528\u8bb0\u5f55\u673a\u6784\u4f1a\u8bb0\u5f55\u4f60\u7684\u8fd8\u6b3e\u884c\u4e3a\uff0c\u826f\u597d\u7684\u4fe1\u7528\u5386\u53f2\u662f\u83b7\u6279\u6d88\u8d39\u8d37\u6b3e\u7684\u5173\u952e\u524d\u63d0\u3002
\u7b2c\u4e8c\u6b65\uff1a\u51c6\u5907\u7533\u8bf7\u6750\u6599\u3002\u7533\u8bf7\u6d88\u8d39\u8d37\u6b3e\u901a\u5e38\u9700\u8981\u63d0\u4f9b\uff1a\u6709\u6548\u62a4\u7167\u4e0eBRP\u5361\u3001KCL\u5728\u8bfb\u8bc1\u660e\uff08\u6216CAS\uff09\u3001\u82f1\u56fd\u672c\u5730\u94f6\u884c\u8d26\u6237\u6d41\u6c34\uff08\u901a\u5e38\u8981\u6c42\u6700\u8fd13\u81f36\u4e2a\u6708\uff09\u3001\u7236\u6bcd\u62c5\u4fdd\u4eba\u4fe1\u606f\uff08\u5982\u9002\u7528\uff09\u3002\u90e8\u5206 lender \u63a5\u53d7\u4e2d\u56fd\u56fd\u5185\u7684\u6536\u5165\u8bc1\u660e\u6216\u8d44\u4ea7\u8bc1\u660e\u8fdb\u884c\u8865\u5145\u5ba1\u6838\u3002
\u7b2c\u4e09\u6b65\uff1a\u9009\u62e9\u5408\u9002\u7684\u8d37\u6b3e\u673a\u6784\u3002\u5efa\u8bae\u4f18\u5148\u8003\u8651\u53d7FCA\u76d1\u7ba1\u7684\u6301\u724c\u673a\u6784\uff08\u5982\u4f4e\u95e8\u69db\u8d37\u6b3e\u5e73\u53f0\uff09\uff0c\u800c\u975e\u7070\u8272\u5e02\u573a\u9ad8\u5229\u8d37\u3002\u5bf9\u4e8e\u6709\u5bb6\u957f\u8054\u5408\u62c5\u4fdd\u7684\u7559\u5b66\u751f\uff0c\u8d37\u6b3e\u83b7\u6279\u7387\u548c\u989d\u5ea6\u90fd\u4f1a\u663e\u8457\u63d0\u5347\u3002
\u7b2c\u56db\u6b65\uff1a\u7406\u6027\u8bc4\u4f30\u8fd8\u6b3e\u80fd\u529b\u3002\u8d37\u6b3e\u524d\u52a1\u5fc5\u8ba1\u7b97\u6bcf\u6708\u8fd8\u6b3e\u989d\u662f\u5426\u5728\u53ef\u63a7\u8303\u56f4\u5185\u3002KCL\u5b66\u8d39\u53ef\u901a\u8fc7\u5b66\u6821\u5b98\u65b9\u5206\u671f\u4ed8\u6b3e\u8ba1\u5212\u7f34\u7eb3\uff0c\u65e5\u5e38\u5f00\u9500\u5efa\u8bae\u91cf\u5165\u4e3a\u51fa\uff0c\u907f\u514d\u56e0\u8d37\u6b3e\u538b\u529b\u5f71\u54cd\u5b66\u4e1a\u3002″]}, {“blockName”: “core/quote”, “attrs”: {}, “innerContent”: [“\u82f1\u56fd\u91d1\u878d\u884c\u4e3a\u76d1\u7ba1\u5c40\uff08FCA\uff09\u660e\u786e\u8981\u6c42\uff0c\u6240\u6709\u6d88\u8d39\u4fe1\u8d37\u4ea7\u54c1\u987b\u8fdb\u884c\u5b8c\u6574\u7684 affordability check\uff0c\u501f\u6b3e\u4eba\u987b\u8bc1\u660e\u5728\u4e0d\u5f71\u54cd\u57fa\u672c\u751f\u6d3b\u5f00\u652f\u7684\u524d\u63d0\u4e0b\u5177\u5907\u8fd8\u6b3e\u80fd\u529b\u3002\u7559\u5b66\u751f\u4eab\u6709\u4e0e\u672c\u5730\u5c45\u6c11\u540c\u7b49\u7684\u6d88\u8d39\u8005\u4fdd\u62a4\u6743\u76ca\u3002”, “\u2014 FCA Consumer Credit Policy Statement, 2026”]}, {“blockName”: “core/heading”, “attrs”: {“level”: 2}, “innerContent”: [“\u4e94\u3001\u76f8\u5173\u9605\u8bfb\u4e0e\u5ef6\u4f38\u8d44\u6e90”]}, {“blockName”: “core/paragraph”, “attrs”: {}, “innerContent”: [“\u5982\u679c\u60a8\u662f\u82f1\u56fd\u5176\u4ed6\u57ce\u5e02\u7684\u4e2d\u56fd\u7559\u5b66\u751f\uff0c\u6d88\u8d39\u8d37\u6b3e\u7533\u8bf7\u903b\u8f91\u57fa\u672c\u4e00\u81f4\uff0c\u4f46\u5177\u4f53\u653f\u7b56\u7ec6\u8282\u56e0\u57ce\u5e02\u548c lender \u4e0d\u540c\u800c\u6709\u6240\u5dee\u5f02\u3002\u7231\u4e01\u5821\u5927\u5b66\u4e2d\u56fd\u7559\u5b66\u751f\u6d88\u8d39\u5206\u671f\u8d37\u6b3e\u6307\u5357\u5bf9\u82cf\u683c\u5170\u5730\u533a\u653f\u7b56\u6709\u8be6\u7ec6\u89e3\u8bfb\uff1b\u5bf9\u4e8e\u8003\u8651\u521b\u4e1a\u7684KCL\u6bd5\u4e1a\u751f\uff0c\u7ebd\u7ea6\u534e\u4eba\u521b\u4e1a\u8005\u4fe1\u7528\u8d37\u6b3e\u6307\u5357\u4e2d\u7684\u7ecf\u9a8c\u540c\u6837\u503c\u5f97\u53c2\u8003\u3002\u5408\u7406\u5229\u7528\u6d88\u8d39\u8d37\u6b3e\u5de5\u5177\uff0c\u4e0d\u4ec5\u80fd\u7f13\u89e3\u6c42\u5b66\u671f\u95f4\u7684\u8d44\u91d1\u538b\u529b\uff0c\u66f4\u80fd\u4e3a\u672a\u6765\u5728\u82f1\u56fd\u7684\u4fe1\u7528\u751f\u6d3b\u5960\u5b9a\u575a\u5b9e\u57fa\u7840\u3002″]}]
