{"id":52279,"date":"2026-08-03T07:00:32","date_gmt":"2026-08-03T07:00:32","guid":{"rendered":"https:\/\/www.vtmarkets.com\/cn-asia\/uncategorized\/can-you-bank-on-sofi-as-a-next-generation-market-leader\/"},"modified":"2026-08-03T07:00:32","modified_gmt":"2026-08-03T07:00:32","slug":"can-you-bank-on-sofi-as-a-next-generation-market-leader","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/cn-asia\/opinion\/can-you-bank-on-sofi-as-a-next-generation-market-leader\/","title":{"rendered":"SoFi \u80fd\u5426\u6210\u4e3a\u65b0\u4e00\u4ee3\u5e02\u573a\u9886\u519b\u8005\uff0c\u503c\u5f97\u6295\u8d44\u8005\u4fe1\u8d56\uff1f"},"content":{"rendered":"<p><figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1250\" height=\"700\" src=\"https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Pastel 3D illustration showing a bank building connected to a smartphone via colorful circuit-like tubes, symbolizing fintech integration.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI.webp 1250w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-300x168.webp 300w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-768x430.webp 768w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-500x280.webp 500w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-400x224.webp 400w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-350x196.webp 350w, https:\/\/www.vtmarkets.com\/cn-asia\/wp-content\/uploads\/sites\/28\/2026\/08\/SOFI-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u4ea4\u51fa\u8fc4\u4eca\u6700\u5f3a\u52b2\u7684\u5b63\u5ea6\u4e4b\u4e00\uff1a\u8425\u6536\u4e0a\u5347\uff0c\u4f1a\u5458\u6570\u521b\u5386\u53f2\u65b0\u9ad8\uff0c\u8d37\u6b3e\u53d1\u653e\u89c4\u6a21\uff08\u6307\u5f53\u671f\u65b0\u589e\u5e76\u5b8c\u6210\u653e\u6b3e\u7684\u8d37\u6b3e\u91d1\u989d\uff09\u4e5f\u521b\u7eaa\u5f55\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46\u8d22\u62a5\u53d1\u5e03\u540e\uff0c\u80a1\u4ef7\u4ecd\u4e0b\u8dcc\u7ea69%\u81f310%\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<script type=\"module\" src=\"https:\/\/widgets.tradingview-widget.com\/w\/en\/tv-single-ticker.js\"><\/script>\n\n<tv-single-ticker symbol=\"NASDAQ:SOFI\" style=\"height: 300px\"><\/tv-single-ticker><br>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u4e0b\u8dcc\u53cd\u6620\u51fa\u6295\u8d44\u8005\u5df2\u7ecf\u4e0d\u53ea\u770b\u201c\u8868\u9762\u589e\u957f\u201d\u3002SoFi\u6b63\u5728\u6253\u9020\u6570\u5b57\u5316\u91d1\u878d\u670d\u52a1\u5e73\u53f0\uff0c\u4f46\u5e02\u573a\u4ecd\u5728\u8bc4\u4f30\uff1a\u8fd9\u7c7b\u589e\u957f\u6700\u7ec8\u80fd\u5426\u6c89\u6dc0\u4e3a\u53ef\u6301\u7eed\u7684\u76c8\u5229\u80fd\u529b\u4e0e\u4f30\u503c\u652f\u6491\u3002\u8fd9\u79cd\u201c\u4e1a\u7ee9\u8d85\u9884\u671f\u4f46\u80a1\u4ef7\u4e0b\u8dcc\u201d\u7684\u73b0\u8c61\uff0c\u4e5f\u5e38\u88ab\u79f0\u4e3a\u201c\u4e1a\u7ee9\u6096\u8bba\u201d\uff08\u6307\u8d22\u52a1\u6570\u636e\u597d\u4e8e\u9884\u671f\uff0c\u80a1\u4ef7\u5374\u56e0\u9884\u671f\u5df2\u88ab\u8ba1\u5165\u6216\u5173\u6ce8\u70b9\u8f6c\u5411\u5229\u6da6\u8d28\u91cf\u800c\u4e0b\u8dcc\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u5177\u5907\u73b0\u4ee3\u91d1\u878d\u5e73\u53f0\u7684\u5173\u952e\u8981\u7d20\uff1a\u5e9e\u5927\u7684\u4f1a\u5458\u57fa\u7840\u3001\u94f6\u884c\u724c\u7167\uff08\u5373\u76d1\u7ba1\u90e8\u95e8\u6388\u4e88\u7684\u94f6\u884c\u7ecf\u8425\u8d44\u8d28\uff09\u4ee5\u53ca\u4e0d\u65ad\u6269\u5c55\u7684\u4ea7\u54c1\u77e9\u9635\u3002\u96be\u70b9\u5728\u4e8e\u8bc1\u660e\uff1a\u8fd9\u4e9b\u4f18\u52bf\u80fd\u5426\u8f6c\u6362\u4e3a\u66f4\u5f3a\u7684\u957f\u671f\u76c8\u5229\u7ed3\u6784\uff08\u5373\u66f4\u9ad8\u3001\u66f4\u7a33\u5b9a\u7684\u5229\u6da6\u4e0e\u73b0\u91d1\u6d41\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<p><\/p>\n\n<p><\/p>\n<h2 class=\"wp-block-heading\">\u589e\u957f\u5f3a\u52b2\uff0c\u4f46\u76c8\u5229\u8d28\u91cf\u66f4\u5173\u952e<\/h2>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi 2026\u8d22\u5e74\u7b2c\u4e8c\u5b63\u5ea6\uff08Q2\uff09\u6838\u5fc3\u4e1a\u52a1\u5ef6\u7eed\u589e\u957f\u52a8\u80fd\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8425\u6536\u7ea612\u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u52a040%\u3002\u4f1a\u5458\u6570\u589e\u957f35%\u81f31,580\u4e07\uff1b\u8d37\u6b3e\u53d1\u653e\u89c4\u6a21\u521b\u65b0\u9ad8\u81f3148\u4ebf\u7f8e\u5143\u3002\u6bcf\u80a1\u6536\u76ca\uff08EPS\uff0c\u6307\u5f52\u5c5e\u4e8e\u666e\u901a\u80a1\u80a1\u4e1c\u7684\u51c0\u5229\u6da6\u9664\u4ee5\u52a0\u6743\u5e73\u5747\u6d41\u901a\u80a1\u6570\uff09\u4e3a0.12\u7f8e\u5143\uff0c\u9ad8\u4e8e\u5206\u6790\u5e08\u9884\u671f\u76840.11\u7f8e\u5143\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u7ba1\u7406\u5c42\u5c06\u5168\u5e74\u8425\u6536\u6307\u5f15\uff08guidance\uff0c\u5373\u516c\u53f8\u5bf9\u672a\u6765\u4e1a\u7ee9\u7684\u7ba1\u7406\u5c42\u9884\u6d4b\u533a\u95f4\uff09\u4e0a\u8c03\u81f347.5\u4ebf\u81f348.5\u4ebf\u7f8e\u5143\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5e02\u573a\u66f4\u5728\u610f\u201c\u6570\u636e\u80cc\u540e\u7684\u7ed3\u6784\u201d\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5c3d\u7ba1\u8425\u6536\u9884\u671f\u6539\u5584\uff0c\u4f46\u8c03\u6574\u540eEPS\u6307\u5f15\u672a\u4e0a\u8c03\uff0c\u539f\u56e0\u4e4b\u4e00\u662f\u516c\u53f8\u9762\u4e34\u9ad8\u4e8e\u9884\u671f\u7684\u7a0e\u7387\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8fd9\u610f\u5473\u7740SoFi\u4ecd\u5904\u5728\u201c\u628a\u589e\u957f\u8f6c\u5316\u4e3a\u66f4\u5f3a\u5229\u6da6\u201d\u7684\u8fc7\u7a0b\u4e2d\u3002\u6269\u5927\u5ba2\u6237\u89c4\u6a21\u3001\u63d0\u5347\u653e\u8d37\u89c4\u6a21\u53ef\u4ee5\u63a8\u5347\u8425\u6536\uff0c\u4f46\u6295\u8d44\u8005\u66f4\u5173\u6ce8\u6548\u7387\u4e0e\u76c8\u5229\u80fd\u529b\u662f\u5426\u540c\u6b65\u63d0\u5347\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u4e0b\u4e00\u9636\u6bb5\u7684\u5173\u952e\uff0c\u4e0d\u4ec5\u662f\u8d5a\u5230\u591a\u5c11\u6536\u5165\uff0c\u8fd8\u5728\u4e8e\u6bcf\u4f4d\u5ba2\u6237\u5173\u7cfb\u80fd\u8d21\u732e\u591a\u5c11\u201c\u5ba2\u6237\u7ec8\u8eab\u4ef7\u503c\u201d\uff08\u6307\u5ba2\u6237\u5728\u4e0e\u516c\u53f8\u5173\u7cfb\u5b58\u7eed\u671f\u5185\u5e26\u6765\u7684\u7d2f\u8ba1\u5229\u6da6\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h2 class=\"wp-block-heading\">\u4e89\u593a\u201c\u4e3b\u8d26\u6237\u201d\u5173\u7cfb<\/h2>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u7684\u957f\u671f\u6218\u7565\uff0c\u662f\u5728\u4f1a\u5458\u7684\u65e5\u5e38\u8d22\u52a1\u6d3b\u52a8\u4e2d\u5360\u636e\u66f4\u6838\u5fc3\u7684\u4f4d\u7f6e\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5176\u6a21\u5f0f\u901a\u5e38\u4ece\u5355\u4e00\u4ea7\u54c1\u5207\u5165\uff0c\u518d\u9010\u6b65\u4ea4\u53c9\u9500\u552e\uff08\u6307\u5411\u540c\u4e00\u5ba2\u6237\u9500\u552e\u66f4\u591a\u4ea7\u54c1\uff09\u3002\u5ba2\u6237\u53ef\u80fd\u5148\u4ece\u5b66\u751f\u8d37\u6b3e\u518d\u878d\u8d44\uff08\u6307\u7528\u65b0\u8d37\u6b3e\u7f6e\u6362\u65e7\u5b66\u751f\u8d37\u6b3e\u4ee5\u964d\u4f4e\u5229\u7387\u6216\u4f18\u5316\u671f\u9650\uff09\u6216\u4e2a\u4eba\u8d37\u6b3e\u5f00\u59cb\uff0c\u968f\u540e\u4f7f\u7528\u6d3b\u671f\u8d26\u6237\u3001\u6295\u8d44\u3001\u4fe1\u7528\u5361\u6216\u6309\u63ed\u8d37\u6b3e\u7b49\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u903b\u8f91\u5f88\u6e05\u6670\uff1a\u4f7f\u7528\u4ea7\u54c1\u8d8a\u591a\u7684\u5ba2\u6237\uff0c\u957f\u671f\u4ef7\u503c\u901a\u5e38\u8d8a\u9ad8\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46SoFi\u8981\u7ade\u4e89\u7684\u662f\u91d1\u878d\u884c\u4e1a\u6700\u5173\u952e\u7684\u5173\u7cfb\u4e4b\u4e00\uff1a\u5ba2\u6237\u7684\u4e3b\u8d26\u6237\uff08\u6307\u5ba2\u6237\u6700\u5e38\u7528\u3001\u8d44\u91d1\u4e3b\u8981\u6c89\u6dc0\u4e0e\u4ea4\u6613\u53d1\u751f\u7684\u8d26\u6237\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u94f6\u884c\u5177\u5907\u89c4\u6a21\u3001\u5b58\u6b3e\u57fa\u7840\uff08\u6307\u5ba2\u6237\u5b58\u5165\u94f6\u884c\u7684\u8d44\u91d1\uff0c\u662f\u94f6\u884c\u4f4e\u6210\u672c\u8d44\u91d1\u6765\u6e90\uff09\u548c\u957f\u671f\u4fe1\u4efb\uff1b\u6570\u5b57\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff08fintech\uff0c\u6307\u4ee5\u6280\u672f\u63d0\u4f9b\u91d1\u878d\u670d\u52a1\u7684\u516c\u53f8\uff09\u901a\u8fc7App\u4f53\u9a8c\u5f62\u6210\u9ad8\u9ecf\u6027\uff1b\u5238\u5546\u4e0e\u8d22\u5bcc\u7ba1\u7406\u5e73\u53f0\u5219\u53d7\u76ca\u4e8e\u957f\u671f\u8d44\u4ea7\u7ba1\u7406\u5173\u7cfb\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7ade\u4e89\u8005\u7c7b\u522b<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u793a\u4f8b<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u65e2\u6709\u4f18\u52bf<\/td><\/tr><tr><td>\u4f20\u7edf\u94f6\u884c<\/td><td>\u6469\u6839\u5927\u901a\u3001\u7f8e\u56fd\u94f6\u884c\u3001\u5bcc\u56fd\u94f6\u884c<\/td><td>\u89c4\u6a21\u3001\u5b58\u6b3e\u57fa\u7840\u3001\u6210\u719f\u5ba2\u6237\u5173\u7cfb<\/td><\/tr><tr><td>\u6570\u5b57\u91d1\u878d\u79d1\u6280\u516c\u53f8<\/td><td>Chime\u3001Robinhood\u3001Cash App<\/td><td>\u6570\u5b57\u5316\u89e6\u8fbe\u4e0e\u4ea7\u54c1\u751f\u6001\u6269\u5f20<\/td><\/tr><tr><td>\u6295\u8d44\u5e73\u53f0<\/td><td>\u5609\u4fe1\u7406\u8d22\u3001\u5bcc\u8fbe<\/td><td>\u957f\u671f\u4fe1\u4efb\u4e0e\u5927\u91cf\u5ba2\u6237\u8d44\u4ea7\uff08AUM\uff0c\u6307\u5ba2\u6237\u5728\u5e73\u53f0\u6258\u7ba1\u6216\u7ba1\u7406\u7684\u8d44\u4ea7\u89c4\u6a21\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u7684\u673a\u4f1a\u6765\u81ea\u6d88\u8d39\u8005\u884c\u4e3a\u53d8\u5316\uff1a\u8d8a\u6765\u8d8a\u591a\u4eba\u4e60\u60ef\u7ebf\u4e0a\u7ba1\u7406\u8d22\u52a1\uff0c\u5e74\u8f7b\u5ba2\u7fa4\u5bf9\u4f20\u7edf\u673a\u6784\u7684\u4f9d\u8d56\u5ea6\u66f4\u4f4e\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46\u83b7\u5ba2\u53ea\u662f\u7b2c\u4e00\u6b65\uff0c\u66f4\u5927\u7684\u96be\u70b9\u662f\u6210\u4e3a\u5ba2\u6237\u505a\u66f4\u591a\u91d1\u878d\u51b3\u7b56\u65f6\u4f9d\u8d56\u7684\u5e73\u53f0\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h3 class=\"wp-block-heading\">\u94f6\u884c\u724c\u7167\u6539\u53d8\u4e86\u5546\u4e1a\u6a21\u5f0f<\/h3>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u957f\u671f\u903b\u8f91\u4e2d\u8f83\u5f3a\u7684\u4e00\u70b9\uff0c\u662f\u94f6\u884c\u724c\u7167\u5e26\u6765\u7684\u7ed3\u6784\u6027\u53d8\u5316\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5728\u6210\u4e3a\u94f6\u884c\u4e4b\u524d\uff0cSoFi\u66f4\u50cf\u662f\u8fde\u63a5\u5408\u4f5c\u91d1\u878d\u673a\u6784\u7684\u201c\u6280\u672f\u4e0e\u83b7\u5ba2\u5c42\u201d\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u83b7\u5f97\u94f6\u884c\u724c\u7167\u524d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e1a\u52a1\u5f71\u54cd<\/td><\/tr><tr><td>\u5ba2\u6237\u5b58\u6b3e<\/td><td>\u4e3b\u8981\u7531\u5408\u4f5c\u673a\u6784\u6301\u6709<\/td><\/tr><tr><td>\u653e\u8d37\u4e1a\u52a1<\/td><td>\u4f9d\u8d56\u5916\u90e8\u673a\u6784\u8d44\u4ea7\u8d1f\u503a\u8868\uff08\u6307\u673a\u6784\u7684\u8d44\u4ea7\u3001\u8d1f\u503a\u4e0e\u6743\u76ca\u7ed3\u6784\uff09\u63d0\u4f9b\u8d44\u91d1<\/td><\/tr><tr><td>SoFi\u5b9a\u4f4d<\/td><td>\u83b7\u5ba2\u4e0e\u91d1\u878d\u79d1\u6280\u670d\u52a1\u63d0\u4f9b\u65b9<\/td><\/tr><\/tbody><\/table><\/figure>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5728\u83b7\u5f97\u724c\u7167\u540e\uff0cSoFi\u5bf9\u5ba2\u6237\u91d1\u878d\u5173\u7cfb\u7684\u638c\u63a7\u5ea6\u63d0\u5347\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u83b7\u5f97\u94f6\u884c\u724c\u7167\u540e<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4e1a\u52a1\u5f71\u54cd<\/td><\/tr><tr><td>\u5ba2\u6237\u5b58\u6b3e<\/td><td>\u901a\u8fc7SoFi Bank\u6c89\u6dc0<\/td><\/tr><tr><td>\u653e\u8d37\u4e1a\u52a1<\/td><td>\u66f4\u591a\u7531SoFi\u81ea\u6709\u8d44\u4ea7\u8d1f\u503a\u8868\u652f\u6301<\/td><\/tr><tr><td>SoFi\u5b9a\u4f4d<\/td><td>\u76f4\u63a5\u83b7\u53d6\u66f4\u591a\u94f6\u884c\u4e1a\u52a1\u6536\u76ca\uff08\u5373\u7531\u5b58\u6b3e\u4e0e\u653e\u8d37\u5229\u5dee\u7b49\u5e26\u6765\u7684\u5229\u6da6\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u539f\u56e0\u5728\u4e8e\uff1a\u5b58\u6b3e\u662f\u94f6\u884c\u6700\u6838\u5fc3\u3001\u6700\u6709\u4ef7\u503c\u7684\u8d44\u91d1\u6765\u6e90\u4e4b\u4e00\uff0c\u901a\u5e38\u6210\u672c\u66f4\u4f4e\uff0c\u4e5f\u66f4\u7a33\u5b9a\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u4e0d\u518d\u53ea\u662f\u901a\u8fc7\u5e2e\u52a9\u5176\u4ed6\u673a\u6784\u89e6\u8fbe\u5ba2\u6237\u6765\u8d5a\u53d6\u670d\u52a1\u8d39\uff0c\u800c\u662f\u53ef\u4ee5\u4f7f\u7528\u81ea\u6709\u5b58\u6b3e\u57fa\u7840\u652f\u6301\u653e\u8d37\u4e0e\u5176\u4ed6\u91d1\u878d\u4ea7\u54c1\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8fd9\u4f7f\u5176\u76f8\u8f83\u90e8\u5206\u6ca1\u6709\u94f6\u884c\u724c\u7167\u7684\u6570\u5b57\u7ade\u4e89\u8005\u66f4\u5177\u7ed3\u6784\u4f18\u52bf\u3002\u63a5\u4e0b\u6765\u5173\u952e\u5728\u6267\u884c\uff1a\u628a\u7ed3\u6784\u4f18\u52bf\u8f6c\u5316\u4e3a\u6301\u7eed\u7684\u5229\u6da6\u589e\u957f\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h2 class=\"wp-block-heading\">\u5c06\u57fa\u7840\u8bbe\u65bd\u505a\u6210\u5e73\u53f0<\/h2>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u7684\u201c\u6280\u672f\u5e73\u53f0\u201d\u4e1a\u52a1\u5206\u90e8\uff08Technology Platform\uff09\u662f\u5176\u957f\u671f\u5e03\u5c40\u7684\u53e6\u4e00\u90e8\u5206\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8be5\u4e1a\u52a1\u4ee5Galileo\u4e3a\u6838\u5fc3\uff0c\u4e3a\u5176\u4ed6\u516c\u53f8\u63d0\u4f9b\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u670d\u52a1\uff08\u5982\u652f\u4ed8\u5904\u7406\u3001\u8d26\u6237\u7cfb\u7edf\u7b49\u540e\u7aef\u80fd\u529b\uff09\u3002\u57fa\u7840\u8bbe\u65bd\u578b\u4e1a\u52a1\u7684\u5438\u5f15\u529b\u5728\u4e8e\u53ef\u6269\u5c55\u6027\uff1a\u5ba2\u6237\u8d8a\u591a\uff0c\u5355\u4f4d\u65b0\u589e\u6210\u672c\u8d8a\u4f4e\uff0c\u5229\u6da6\u7387\u6709\u671b\u63d0\u5347\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46\u4ec5\u6709\u89c4\u6a21\u5e76\u4e0d\u591f\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6295\u8d44\u8005\u66f4\u5e0c\u671b\u770b\u5230\u8be5\u5206\u90e8\u5177\u5907\u66f4\u5f3a\u7684\u201c\u57fa\u7840\u8bbe\u65bd\u4e1a\u52a1\u7279\u5f81\u201d\uff0c\u5305\u62ec\uff1a<\/p>\n<p><\/p>\n\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li>\u66f4\u53ef\u9884\u6d4b\u7684\u6536\u5165\u589e\u957f\uff08\u6307\u6ce2\u52a8\u66f4\u5c0f\u3001\u7eed\u7ea6\u4e0e\u7528\u91cf\u66f4\u7a33\u5b9a\uff09<\/li>\n\n\n\n<li>\u5ba2\u6237\u7ed3\u6784\u66f4\u5206\u6563\uff08\u6307\u51cf\u5c11\u5bf9\u5c11\u6570\u5927\u5ba2\u6237\u7684\u4f9d\u8d56\uff09<\/li>\n\n\n\n<li>\u89c4\u6a21\u6269\u5927\u65f6\u5229\u6da6\u7387\u6539\u5584\uff08margin\uff0c\u6307\u6536\u5165\u4e2d\u8f6c\u5316\u4e3a\u5229\u6da6\u7684\u6bd4\u4f8b\uff09<\/li>\n<\/ul>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5173\u952e\u4e0d\u5728\u4e8eSoFi\u662f\u5426\u6709\u6280\u672f\uff0c\u800c\u5728\u4e8e\u8fd9\u4e9b\u6280\u672f\u80fd\u5426\u5e26\u6765\u66f4\u5f3a\u7684\u7ecf\u8425\u6760\u6746\uff08operating leverage\uff0c\u6307\u6536\u5165\u589e\u957f\u5feb\u4e8e\u6210\u672c\u589e\u957f\uff0c\u4ece\u800c\u63a8\u52a8\u5229\u6da6\u66f4\u5feb\u589e\u957f\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h2 class=\"wp-block-heading\">\u53ef\u80fd\u62d6\u7d2fSoFi\u7684\u56e0\u7d20<\/h2>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u57fa\u7840\u624e\u5b9e\uff0c\u4f46\u80fd\u5426\u8fdb\u4e00\u6b65\u63d0\u5347\u4ef7\u503c\uff0c\u53d6\u51b3\u4e8e\u4ee5\u4e0b\u65b9\u9762\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h3 class=\"wp-block-heading\">\u6d88\u8d39\u4fe1\u8d37\u98ce\u9669\u66b4\u9732<\/h3>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u653e\u8d37\u4ecd\u662fSoFi\u7684\u91cd\u8981\u589e\u957f\u5f15\u64ce\uff0c\u540c\u65f6\u4e5f\u4f7f\u4e1a\u7ee9\u5bf9\u5c45\u6c11\u90e8\u95e8\u666f\u6c14\u5ea6\u66f4\u654f\u611f\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5f53\u4fe1\u7528\u73af\u5883\u826f\u597d\u65f6\uff0c\u66f4\u5927\u7684\u8d37\u6b3e\u4f59\u989d\uff08loan book\uff0c\u6307\u5728\u8d37\u4f59\u989d\uff09\u6709\u52a9\u4e8e\u5229\u6da6\uff1b\u82e5\u5c45\u6c11\u8d22\u52a1\u538b\u529b\u4e0a\u5347\uff0c\u5e02\u573a\u4f1a\u66f4\u5173\u6ce8\u903e\u671f\uff08delinquency\uff0c\u6307\u672a\u6309\u671f\u8fd8\u6b3e\uff09\u3001\u8fdd\u7ea6\uff08default\uff0c\u6307\u65e0\u6cd5\u507f\u8fd8\u6216\u88ab\u8ba4\u5b9a\u4e3a\u574f\u8d26\uff09\u4e0e\u8d37\u6b3e\u8868\u73b0\uff08\u6307\u56de\u6536\u7387\u3001\u635f\u5931\u7387\u7b49\u6307\u6807\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h3 class=\"wp-block-heading\">\u751f\u6001\u53d8\u73b0\u80fd\u529b<\/h3>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u7684\u4ea7\u54c1\u6269\u5f20\u7b56\u7565\uff0c\u9700\u8981\u8bc1\u660e\u201c\u4eba\u5747\u4f7f\u7528\u66f4\u591a\u4ea7\u54c1\u201d\u80fd\u5e26\u6765\u66f4\u597d\u7684\u7ecf\u6d4e\u56de\u62a5\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u7528\u6237\u91c7\u7528\u5f88\u91cd\u8981\uff0c\u4f46\u4ef7\u503c\u5728\u4e8e\uff1a\u662f\u5426\u63d0\u5347\u7559\u5b58\uff08retention\uff0c\u6307\u5ba2\u6237\u6301\u7eed\u4f7f\u7528\uff09\u3001\u964d\u4f4e\u83b7\u5ba2\u6210\u672c\uff08CAC\uff0c\u6307\u83b7\u53d6\u4e00\u4e2a\u65b0\u589e\u5ba2\u6237\u7684\u5e73\u5747\u8425\u9500\u4e0e\u9500\u552e\u6210\u672c\uff09\u3001\u5e76\u6269\u5927\u5229\u6da6\u7387\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4ea7\u54c1\u8986\u76d6\u66f4\u5e7f\u662f\u79ef\u6781\u4fe1\u53f7\uff0c\u4f46\u8d22\u52a1\u6536\u76ca\u9700\u8981\u7528\u6570\u636e\u9a8c\u8bc1\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h3 class=\"wp-block-heading\">\u5151\u73b0\u5e02\u573a\u9884\u671f\u7684\u6267\u884c\u529b<\/h3>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi\u5df2\u5177\u5907\u4e00\u5b9a\u89c4\u6a21\uff0c\u4e0b\u4e00\u9636\u6bb5\u8981\u8bc1\u660e\u80fd\u591f\u201c\u9ad8\u6548\u589e\u957f\u201d\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5373\u5ba2\u6237\u589e\u957f\u3001\u653e\u8d37\u6269\u5f20\u4e0e\u6280\u672f\u6295\u5165\u80fd\u5171\u540c\u63a8\u52a8\u66f4\u9ad8\u7684\u56de\u62a5\u7387\uff08\u5982\u8d44\u672c\u56de\u62a5\u3001\u80a1\u4e1c\u56de\u62a5\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<h2 class=\"wp-block-heading\">\u53ef\u91cd\u70b9\u8ddf\u8e2a\u7684\u6307\u6807<\/h2>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4e0e\u5176\u53ea\u770b\u8425\u6536\u4e0e\u4f1a\u5458\u6570\uff0c\u66f4\u6709\u53c2\u8003\u4ef7\u503c\u7684\u8ddf\u8e2a\u6307\u6807\u5305\u62ec\uff1a<\/p>\n<p><\/p>\n\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>EPS\u8f6c\u5316\uff1a<\/strong>\u6536\u5165\u589e\u957f\u80fd\u5426\u5e26\u52a8\u5229\u6da6\u540c\u6b65\u6539\u5584\u3002\u82e5\u6536\u5165\u4e0e\u76c8\u5229\u7684\u8054\u52a8\u589e\u5f3a\uff0c\u901a\u5e38\u610f\u5473\u7740\u6548\u7387\u63d0\u5347\u3002<\/li>\n\n\n\n<li><strong>\u4fe1\u8d37\u8868\u73b0\uff1a<\/strong>\u8d37\u6b3e\u6269\u5f20\u662f\u5426\u5728\u4e0d\u660e\u663e\u6076\u5316\u4fe1\u7528\u8d28\u91cf\uff08\u6307\u501f\u6b3e\u4eba\u8fd8\u6b3e\u80fd\u529b\u6574\u4f53\u6c34\u5e73\uff09\u7684\u60c5\u51b5\u4e0b\u6301\u7eed\u3002<\/li>\n\n\n\n<li><strong>\u6280\u672f\u5e73\u53f0\u8fdb\u5c55\uff1a<\/strong>\u8be5\u5206\u90e8\u6536\u5165\u662f\u5426\u66f4\u7a33\u5b9a\u3001\u5ba2\u6237\u66f4\u5206\u6563\u3001\u6269\u5f20\u66f4\u5177\u53ef\u6269\u5c55\u6027\u3002<\/li>\n\n\n\n<li><strong>\u5ba2\u6237\u7ecf\u6d4e\u6a21\u578b\uff1a<\/strong>\u4ea7\u54c1\u6e17\u900f\u7387\u63d0\u5347\u662f\u5426\u8f6c\u5316\u4e3a\u66f4\u9ad8\u7559\u5b58\u4e0e\u66f4\u9ad8\u5229\u6da6\u7387\u3002<\/li>\n<\/ul>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f5c\u4e3a\u6301\u724c\u94f6\u884c\uff0cSoFi\u7684\u8fdb\u5c55\u8d8a\u6765\u8d8a\u96be\u88ab\u5ffd\u89c6\u3002\u516c\u53f8\u5df2\u8bc1\u660e\u5176\u80fd\u642d\u5efa\u6570\u5b57\u94f6\u884c\u4e1a\u52a1\uff0c\u4f46\u4e0d\u786e\u5b9a\u4e4b\u5904\u5728\u4e8e\uff1a\u80fd\u5426\u6210\u4e3a\u66f4\u5e7f\u4e49\u7684\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u5e76\u5b9e\u73b0\u5e02\u573a\u671f\u5f85\u7684\u5229\u6da6\u7387\u4e0e\u53ef\u6269\u5c55\u6027\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5e02\u573a\u4ecd\u5728\u89c2\u5bdf\uff1aSoFi\u80fd\u5426\u628a\u5ba2\u6237\u589e\u957f\u3001\u94f6\u884c\u57fa\u7840\u80fd\u529b\u4e0e\u6280\u672f\u4f18\u52bf\uff0c\u8f6c\u5316\u4e3a\u5934\u90e8\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u5e38\u89c1\u7684\u201c\u89c4\u6a21\u5316\u76c8\u5229\u201d\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8fd9\u5c06\u5f71\u54cd\u80a1\u4ef7\u4e0b\u4e00\u9636\u6bb5\u8d70\u52bf\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<p><\/p>\n\n<p><\/p>\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Tap for TL;DR<\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>\u4e3a\u4ec0\u4e48SoFi\u57282026\u8d22\u5e74Q2\u4e1a\u7ee9\u5f3a\u52b2\u540e\u80a1\u4ef7\u4e0b\u8dcc\uff1f<\/strong> <br>\u6295\u8d44\u8005\u66f4\u5173\u6ce8EPS\u6307\u5f15\u672a\u4e0a\u8c03\uff0c\u4ee5\u53ca\u589e\u957f\u80fd\u5426\u8f6c\u5316\u4e3a\u66f4\u9ad8\u76c8\u5229\u80fd\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SoFi\u662f\u94f6\u884c\u8fd8\u662f\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff1f<\/strong> <br>SoFi\u5df2\u5efa\u7acb\u6570\u5b57\u94f6\u884c\u5e73\u53f0\uff0c\u4f46\u5e02\u573a\u4ecd\u5728\u8bc4\u4f30\u5176\u5e94\u9002\u7528\u7684\u4f30\u503c\u6846\u67b6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SoFi\u5982\u4f55\u5728\u6570\u5b57\u94f6\u884c\u7ade\u4e89\uff1f<\/strong> <br>SoFi\u4ee5\u4ea7\u54c1\u751f\u6001\u7ade\u4e89\uff0c\u4f46\u9762\u4e34\u4f20\u7edf\u94f6\u884c\u3001\u91d1\u878d\u79d1\u6280\u516c\u53f8\u4e0e\u6295\u8d44\u5e73\u53f0\u7684\u591a\u91cd\u538b\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e3a\u4ec0\u4e48SoFi\u7684\u94f6\u884c\u724c\u7167\u91cd\u8981\uff1f<\/strong> <br>\u724c\u7167\u4f7f\u5176\u80fd\u591f\u5438\u6536\u5b58\u6b3e\u5e76\u66f4\u76f4\u63a5\u83b7\u53d6\u653e\u8d37\u5e26\u6765\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6295\u8d44\u8005\u5e94\u5173\u6ce8SoFi\u54ea\u4e9b\u6307\u6807\uff1f<\/strong> <br>\u76c8\u5229\u80fd\u529b\u3001\u4fe1\u7528\u8d28\u91cf\u3001\u5ba2\u6237\u589e\u957f\u4e0e\u6280\u672f\u5e73\u53f0\u4e1a\u52a1\u8868\u73b0\uff0c\u5c06\u5f71\u54cd\u5e02\u573a\u60c5\u7eea\u3002<\/p>\n<\/details>\n<p><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>\u7acb\u5373\u5f00\u59cb\u4ea4\u6613 \u2014 \u70b9\u51fb<a href=\"https:\/\/www.vtmarkets.com\/cn-asia\/trade-now\/\">\u8fd9\u91cc<\/a>\u521b\u5efa\u60a8\u7684 VT Markets \u771f\u5b9e\u8d26\u6237\u3002<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>SoFi\u8d22\u5b63\u8425\u6536\u4e0e\u4f1a\u5458\u3001\u653e\u8d37\u9f50\u521b\u65b0\u9ad8\u5374\u80a1\u4ef7\u56de\u64a4\u7ea610%\uff1a\u5e02\u573a\u805a\u7126\u76c8\u5229\u8d28\u91cf\u4e0eEPS\u6307\u5f15\u672a\u4e0a\u8c03\uff0c\u5173\u6ce8\u6301\u724c\u94f6\u884c\u4e0e\u6280\u672f\u5e73\u53f0\u80fd\u5426\u5b9e\u73b0\u89c4\u6a21\u5316\u76c8\u5229\u3002<\/p>\n","protected":false},"author":87,"featured_media":52278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-52279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opinion"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" 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