栏目：炒股的技巧和方法 作者：股票怎么玩 更新：2025-08-31 阅读：20
<股票怎么玩>credit debit card 信用支付有功？先买后付评价不高但或许有用
原文标题 :
where it’s due
Buy now, pay later gets a bad rap. But it could be
open up
信用支付有功
“先买后付”的评价不高。但它或许有用
只要贷款机构公开信息
1
NEW FORMS of are often met with .
新型信贷模式常常会受到质疑。
A ago and cars they could reach more if they in .
一百年前，销售家具和汽车的零售商们意识到，若接受分期付款，就能吸引更多顾客。
To this was a sign of moral decay: “ of the slimy coils of the evil,” one in the in 1926.
但在批评者眼中，这是道德败坏的标志：1926年《休斯顿纪事报》上的一则广告就疾呼：“警惕分期付款这一邪恶势力的阴险缠绕。”
When in 1958 Bank of cards to , it did not take long for to worry about the .
1958年credit debit cardcredit debit card 信用支付有功？先买后付评价不高但或许有用，美国银行开始向客户邮寄信用卡，很快，反对者就对信用卡可能造成的后果产生了忧虑。
2
Today the are aimed at “buy now, pay later” (BNPL).
如今，“先买后付”（BNPL）成了众矢之的，招来不少诟病。
This , which lets pay for they buy in , is ; over $300bn in were in such a last year.
“先买后付”允许人们以分期付款方式在线购物，这种方式正蓬勃发展；去年，“先买后付”的资金规模超过3000亿美元。
tend to be and less than , which is .
借贷者通常年龄偏小，信用资质也低于平均水平，这加剧了人们的担忧情绪。
Many — , a MAGA —fret that the preys on the young. worry that the debt makes it hard to risks.
许多批评人士——包括“让美国再次伟大”（MAGA）的专家塔克·卡尔森--都担心这个行业在坑害年轻人。分析师则担心，这类隐性债务会导致信贷风险难以监测。
Yet BNPL could be a .
但“先买后付”或许是一项颇具价值的创新。
3
New often cause worry they draw in with of .
新的金融产品往往会引发担忧，因为它们吸引的是那些缺乏信贷经验的客户。
Some will be by who mis-sell their .
毫无疑问，其中一些人会被忽悠的骗子所坑骗。
But new is a good thing.
但从整体来看，能触达新客户是一件好事。
is not ; the poor and the young are , they often have no .
现代金融体系并不完善，贫困人群和年轻人得不到应有的服务，部分原因是他们通常没有信用记录。
It is only for to fill a gap in the . If they a , they can grow .
新兴公司去填补市场空白credit debit card，这是很合理的做法。如果它们能提供有用的服务credit debit card，就能迅速发展壮大。
After an early spate of fraud, Bank of ’s -card went on to . Today it is known by the name it took when it was spun out in the 1970s: Visa.
美国银行的信用卡业务在早期经历过一连串欺诈事件后，进而改变了支付模式。如今，它更为人熟知的名字是1970分拆出来的品牌名：维萨（Visa）
4
For some , cards can be a trap.
在一些美国人看来，信用卡可能是一个圈套。
Those with low are more to hold , over debt than it off each month.
信用评级较低的人更可能出现循环欠款的情况，也就是结转债务而不是每月还清账单。
Their heavy bills those with , who amass and other .
他们支付的高昂利息为信用评级较高的人提供了补贴，使后者能积攒积分及其他优惠。
5
BNPL is . Its earn most of their money from fees, not debt .
“先买后付”模式与信用卡不同。“先买后付”提供商的收入主要来自商户手续费credit debit card 信用支付有功？先买后付评价不高但或许有用，而不是债务利息。
BNPL are no more to get into debt than .
与信用卡持有人相比，“先买后付”的借贷者陷入债务困境的概率并无差异。
the lower of users, BNPL loans have a rate of 2%— to the share of -card that were more than 120 days .
尽管普通用户的信用评分较低，但“先买后付”贷款的违约率约为2%——与逾期超过120天的信用卡付款比例相近。
BNPL are low-value and do not , which helps.
“先买后付”的购物金额不高，且不存在循环欠款，这可能是个重要因素。
6
are right, , to worry that BNPL loans from and other .
不过，批评者的担忧不无道理，“先买后付”贷款仍处于监管机构和其他放贷机构的视野之外。
do not data to - firms on their users’ and .
贷款机构不会向信用报告机构上报其用户借款和还款的全面数据。
they from their ’ , they deny other the to do the same.
尽管他们自己会通过核查客户信用从中获益，却不让其他放贷机构有同样核查的机会。
That the that banks will lend to with hefty BNPL debts, not they are than they .
这就可能导致银行向背负大量“先买后付”债务的人放贷，却没意识到他们的实际风险比表面更大。
7
Some say they do not trust to this new form of ; may see as an , it who wish to keep their debts .
一些“先买后付”提供商称，他们不相信信用机构能理解这种新型金融形式；另一些提供商可能认为信息不透明是种优势credit debit card 信用支付有功？先买后付评价不高但或许有用，因为这会吸引那些想隐瞒债务的借贷人。
such , be to their data, as , one of ’s BNPL , has begun to do.
尽管有这些担忧，运营商还是应该被要求上报数据--美国最大的“先买后付”贷款机构之一最近已开启数据上报工作。
Many to reach into . To those , they must open up.
许多运营商都希望能更深入地融入主流金融体系。要实现这些目标，他们必须公开信息。
（恭喜读完，本篇英语词汇543左右）
原文出自：2025年8月9日《TE》版块
精读笔记来源于：自由英语之路VIP群
本文翻译整理: Irene
本文编辑校对: Irene
仅供个人英语学习交流使用。
【重点句子】（3个）
New often cause worry they draw in with of .
新的金融产品往往会引发担忧，因为它们吸引的是那些缺乏信贷经验的客户。
Their heavy bills those with , who amass and other .
他们支付的高昂利息为信用评级较高的人提供了补贴，使后者能积攒积分及其他优惠。
do not data to - firms on their users’ and .
贷款机构不会向信用报告机构上报其用户借款和还款的全面数据。
自由英语之路
