{"id":53136,"date":"2026-08-03T10:07:25","date_gmt":"2026-08-03T10:07:25","guid":{"rendered":"https:\/\/www.vtmarkets.com\/zh-ca\/uncategorized\/53136\/"},"modified":"2026-08-03T10:07:25","modified_gmt":"2026-08-03T10:07:25","slug":"can-you-bank-on-sofi-as-a-next-generation-market-leader","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/zh-ca\/opinion\/53136\/","title":{"rendered":"SoFi\u80fd\u5426\u6210\u70ba\u65b0\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u6295\u8cc7\u8005\u5bc4\u671b\u55ce\uff1f"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1250\" height=\"700\" src=\"https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"3D fintech scene: a bank building connected to a smartphone and cloud network, labeled SoFi, illustrating digital banking\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI.webp 1250w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-300x168.webp 300w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-768x430.webp 768w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-500x280.webp 500w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-400x224.webp 400w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-350x196.webp 350w, https:\/\/www.vtmarkets.com\/zh-ca\/wp-content\/uploads\/sites\/32\/2026\/08\/SOFI-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u4ea4\u51fa\u8fd1\u5b63\u8868\u73fe\u8f03\u5f37\u7684\u4e00\u5b63\u3002\u6536\u5165\u4e0a\u5347\uff0c\u6703\u54e1\u4eba\u6578\u5275\u65b0\u9ad8\uff0c\u8cb8\u6b3e\u767c\u653e\uff08loan originations\uff1a\u6307\u671f\u5167\u65b0\u6279\u51fa\u4e26\u5b8c\u6210\u653e\u6b3e\u7684\u8cb8\u6b3e\u7e3d\u984d\uff09\u4ea6\u5275\u7d00\u9304\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46\u696d\u7e3e\u516c\u5e03\u5f8c\uff0c\u80a1\u50f9\u4ecd\u4e0b\u8dcc\u7d04 9% \u81f3 10%\u3002<\/p>\n<p><\/p>\n\n\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\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5e02\u5834\u53cd\u61c9\u53cd\u6620\u6295\u8cc7\u8005\u5df2\u4e0d\u53ea\u770b\u8868\u9762\u589e\u9577\u3002SoFi \u5efa\u7acb\u4e86\u6301\u7e8c\u64f4\u5f35\u7684\u6578\u78bc\u91d1\u878d\u5e73\u53f0\uff0c\u4f46\u5e02\u5834\u4ecd\u5728\u8a55\u4f30\u9019\u7a2e\u589e\u9577\u6700\u7d42\u80fd\u5426\u8b8a\u6210\u66f4\u9ad8\u8cea\u7d20\u7684\u76c8\u5229\u80fd\u529b\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u5177\u5099\u73fe\u4ee3\u91d1\u878d\u5e73\u53f0\u7684\u5143\u7d20\uff1a\u9f90\u5927\u6703\u54e1\u57fa\u790e\u3001\u9280\u884c\u724c\u7167\uff08banking charter\uff1a\u6307\u7372\u76e3\u7ba1\u6a5f\u69cb\u6279\u51c6\u4ee5\u9280\u884c\u8eab\u4efd\u5438\u6536\u5b58\u6b3e\u53ca\u7d93\u71df\u9280\u884c\u696d\u52d9\u7684\u8cc7\u683c\uff09\u53ca\u64f4\u5927\u7684\u7522\u54c1\u7d44\u5408\u3002\u95dc\u9375\u662f\u8b49\u660e\u9019\u4e9b\u512a\u52e2\u80fd\u5426\u8f49\u5316\u70ba\u66f4\u4f73\u7684\u9577\u7dda\u300c\u7d93\u6fdf\u6548\u76ca\u300d\uff08economics\uff1a\u6307\u55ae\u4f4d\u5ba2\u6236\/\u696d\u52d9\u5e36\u4f86\u7684\u5229\u6f64\u3001\u6210\u672c\u8207\u56de\u5831\u7d50\u69cb\uff09\u3002<\/p>\n<p><\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u589e\u9577\u5f37\uff0c\u4f46\u76c8\u5229\u8cea\u7d20\u66f4\u95dc\u9375<\/h2>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi 2026 \u5e74\u7b2c\u4e8c\u5b63\uff08Q2 2026\uff1a\u7b2c\u4e8c\u500b\u8ca1\u653f\u5b63\u5ea6\uff09\u696d\u7e3e\u5ef6\u7e8c\u52d5\u529b\uff0c\u6838\u5fc3\u696d\u52d9\u8868\u73fe\u7a69\u5065\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6536\u5165\u7d04 12 \u5104\u7f8e\u5143\uff0c\u6309\u5e74\u5347 40%\u3002\u6703\u54e1\u589e\u52a0 35% \u81f3 1,580 \u842c\u3002\u8cb8\u6b3e\u767c\u653e\u9054 148 \u5104\u7f8e\u5143\u65b0\u9ad8\u3002\u6bcf\u80a1\u76c8\u5229\uff08EPS\uff0cearnings per share\uff1a\u516c\u53f8\u76c8\u5229\u9664\u4ee5\u5df2\u767c\u884c\u80a1\u4efd\u6578\uff09\u70ba 0.12 \u7f8e\u5143\uff0c\u9ad8\u65bc\u5206\u6790\u54e1\u9810\u671f\u7684 0.11 \u7f8e\u5143\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u7ba1\u7406\u5c64\u4ea6\u4e0a\u8abf\u5168\u5e74\u6536\u5165\u6307\u5f15\uff08revenue guidance\uff1a\u516c\u53f8\u5c0d\u672a\u4f86\u6536\u5165\u7684\u9810\u6e2c\u5340\u9593\uff09\u81f3 47.5 \u5104\u81f3 48.5 \u5104\u7f8e\u5143\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u80a1\u50f9\u4e0b\u8dcc\u4e3b\u56e0\u4e0d\u5728\u5927\u6578\u5b57\uff0c\u800c\u5728\u7d30\u7bc0\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6536\u5165\u9810\u671f\u6539\u5584\uff0c\u4f46\u7d93\u8abf\u6574\u6bcf\u80a1\u76c8\u5229\u6307\u5f15\uff08adjusted EPS\uff1a\u5254\u9664\u4e00\u6b21\u6027\u6216\u975e\u7d93\u5e38\u9805\u76ee\u5f8c\u7684\u6bcf\u80a1\u76c8\u5229\uff0c\u66f4\u53cd\u6620\u65e5\u5e38\u7d93\u71df\u8868\u73fe\uff09\u672a\u6709\u4e0a\u8abf\uff0c\u539f\u56e0\u5305\u62ec\u5be6\u969b\u7a05\u7387\uff08tax rate\uff1a\u516c\u53f8\u5229\u6f64\u9700\u7e73\u7a05\u7684\u6bd4\u4f8b\uff09\u9ad8\u65bc\u9810\u671f\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u9019\u53cd\u6620 SoFi \u4ecd\u5728\u628a\u589e\u9577\u8f49\u5316\u70ba\u66f4\u5f37\u76c8\u5229\u7684\u904e\u7a0b\u3002\u64f4\u5927\u5ba2\u6236\u8207\u653e\u8cb8\u53ef\u63a8\u52d5\u6536\u5165\uff0c\u4f46\u6295\u8cc7\u8005\u66f4\u5e0c\u671b\u770b\u5230\u6548\u7387\u8207\u5229\u6f64\u7387\uff08profitability\uff1a\u8cfa\u9322\u80fd\u529b\uff0c\u4f8b\u5982\u6de8\u5229\u7387\u3001ROE \u7b49\uff09\u540c\u6b65\u6539\u5584\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4e0b\u4e00\u968e\u6bb5\u4e0d\u53ea\u770b\u6536\u5165\u589e\u5e45\uff0c\u800c\u662f\u516c\u53f8\u80fd\u5426\u5f9e\u6bcf\u6bb5\u5ba2\u6236\u95dc\u4fc2\u4e2d\u300c\u63d0\u53d6\u66f4\u591a\u50f9\u503c\u300d\uff0c\u4f8b\u5982\u63d0\u9ad8\u6bcf\u540d\u5ba2\u6236\u5e36\u4f86\u7684\u6bdb\u5229\u3001\u964d\u4f4e\u7372\u5ba2\u6210\u672c\u3002<\/p>\n<p><\/p>\n\n\n<h2 class=\"wp-block-heading\">\u722d\u596a\u300c\u4e3b\u8981\u91d1\u878d\u95dc\u4fc2\u300d<\/h2>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u7684\u9577\u7dda\u7b56\u7565\uff0c\u662f\u6210\u70ba\u6703\u54e1\u65e5\u5e38\u7406\u8ca1\u7684\u6838\u5fc3\u5e73\u53f0\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5176\u6a21\u5f0f\u901a\u5e38\u7531\u55ae\u4e00\u7522\u54c1\u5207\u5165\uff0c\u518d\u9010\u6b65\u64f4\u5c55\u3002\u5ba2\u6236\u53ef\u80fd\u5148\u505a\u5b78\u751f\u8cb8\u6b3e\u518d\u878d\u8cc7\uff08refinancing\uff1a\u4ee5\u65b0\u8cb8\u6b3e\u53d6\u4ee3\u820a\u8cb8\u6b3e\uff0c\u901a\u5e38\u70ba\u964d\u4f4e\u5229\u7387\u6216\u5ef6\u9577\u5e74\u671f\uff09\u6216\u79c1\u4eba\u8cb8\u6b3e\uff0c\u4e4b\u5f8c\u518d\u4f7f\u7528\u6d3b\u671f\/\u652f\u7968\u6236\u53e3\uff08checking accounts\uff09\u3001\u6295\u8cc7\u3001\u4fe1\u7528\u5361\u6216\u6309\u63ed\u7b49\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6982\u5ff5\u5f88\u76f4\u63a5\uff1a\u4f7f\u7528\u7522\u54c1\u6108\u591a\u7684\u5ba2\u6236\uff0c\u9577\u9060\u901a\u5e38\u66f4\u6709\u50f9\u503c\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46 SoFi \u5176\u5be6\u662f\u5728\u7af6\u9010\u91d1\u878d\u696d\u6700\u95dc\u9375\u7684\u95dc\u4fc2\u4e4b\u4e00\uff1a\u5ba2\u6236\u7684\u300c\u4e3b\u6236\u53e3\u300d\uff08primary customer account\uff1a\u5ba2\u6236\u6700\u5e38\u7528\u3001\u7528\u4f86\u6536\u85aa\u8207\u65e5\u5e38\u652f\u4ed8\u7684\u6838\u5fc3\u6236\u53e3\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u50b3\u7d71\u9280\u884c\u65e9\u5df2\u6709\u898f\u6a21\u3001\u5b58\u6b3e\u57fa\u790e\u53ca\u591a\u5e74\u4fe1\u4efb\u3002\u6578\u78bc\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff08fintech\uff1a\u4ee5\u79d1\u6280\u63d0\u4f9b\u91d1\u878d\u670d\u52d9\u7684\u516c\u53f8\uff09\u9760\u7c21\u5316\u7684 App \u9ad4\u9a57\u5e36\u4f86\u9ecf\u6027\u3002\u6295\u8cc7\u5e73\u53f0\u5247\u53d7\u60e0\u65bc\u65e2\u6709\u7684\u8cc7\u7522\u7ba1\u7406\u95dc\u4fc2\u3002<\/p>\n<p><\/p>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u7af6\u722d\u8005\u985e\u5225<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u4f8b\u5b50<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u65e2\u6709\u512a\u52e2<\/td><\/tr><tr><td>\u50b3\u7d71\u9280\u884c<\/td><td>JPMorgan\u3001Bank of America\u3001Wells Fargo<\/td><td>\u898f\u6a21\u3001\u5b58\u6b3e\u53ca\u6210\u719f\u5ba2\u6236\u95dc\u4fc2<\/td><\/tr><tr><td>\u6578\u78bc\u91d1\u878d\u79d1\u6280<\/td><td>Chime\u3001Robinhood\u3001Cash App<\/td><td>\u6578\u78bc\u4f7f\u7528\u9ecf\u6027\u53ca\u9010\u6b65\u64f4\u5927\u7684\u7522\u54c1\u751f\u614b<\/td><\/tr><tr><td>\u6295\u8cc7\u5e73\u53f0<\/td><td>Schwab\u3001Fidelity<\/td><td>\u9577\u671f\u4fe1\u4efb\u53ca\u9f90\u5927\u5ba2\u6236\u8cc7\u7522<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u7684\u6a5f\u6703\u4f86\u81ea\u6d88\u8cbb\u7fd2\u6163\u6539\u8b8a\uff1a\u66f4\u591a\u4eba\u63a5\u53d7\u4ee5\u6578\u78bc\u65b9\u5f0f\u7ba1\u7406\u8ca1\u52d9\uff0c\u800c\u5e74\u8f15\u5ba2\u6236\u5c0d\u50b3\u7d71\u6a5f\u69cb\u7684\u4f9d\u8cf4\u8f03\u4f4e\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\uff0c\u5438\u5f15\u5ba2\u6236\u53ea\u662f\u7b2c\u4e00\u6b65\uff1b\u66f4\u96e3\u7684\u662f\u6210\u70ba\u5ba2\u6236\u505a\u66f4\u591a\u8ca1\u52d9\u6c7a\u7b56\u6642\u6703\u4f9d\u8cf4\u7684\u5e73\u53f0\u3002<\/p>\n<p><\/p>\n\n\n<h3 class=\"wp-block-heading\">\u9280\u884c\u724c\u7167\u6539\u8b8a\u4e86\u5546\u696d\u6a21\u5f0f<\/h3>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u9577\u7dda\u908f\u8f2f\u8f03\u5f37\u7684\u4e00\u9ede\uff0c\u662f\u53d6\u5f97\u9280\u884c\u724c\u7167\u5f8c\u5e36\u4f86\u7684\u7d50\u69cb\u6027\u8f49\u8b8a\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6210\u70ba\u9280\u884c\u4e4b\u524d\uff0cSoFi \u66f4\u50cf\u662f\u300c\u79d1\u6280\u8207\u7372\u5ba2\u5c64\u300d\uff08customer acquisition\uff1a\u7372\u53d6\u65b0\u5ba2\u7684\u5e02\u5834\u63a8\u5ee3\u8207\u8f49\u5316\uff09\uff0c\u518d\u9023\u63a5\u5408\u4f5c\u91d1\u878d\u6a5f\u69cb\u3002<\/p>\n<p><\/p>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u53d6\u5f97\u9280\u884c\u724c\u7167\u524d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5c0d\u696d\u52d9\u5f71\u97ff<\/td><\/tr><tr><td>\u5ba2\u6236\u5b58\u6b3e<\/td><td>\u7531\u5408\u4f5c\u6a5f\u69cb\u6301\u6709<\/td><\/tr><tr><td>\u653e\u8cb8<\/td><td>\u4f9d\u8cf4\u5916\u90e8\u8cc7\u7522\u8ca0\u50b5\u8868\uff08balance sheet\uff1a\u516c\u53f8\u8cc7\u7522\u3001\u8ca0\u50b5\u8207\u80a1\u6771\u6b0a\u76ca\u7684\u7d50\u69cb\uff09\u652f\u6301<\/td><\/tr><tr><td>SoFi \u89d2\u8272<\/td><td>\u7372\u5ba2\u53ca\u91d1\u878d\u79d1\u6280\u670d\u52d9\u5c64<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u53d6\u5f97\u9280\u884c\u724c\u7167\u5f8c\uff0cSoFi \u5c0d\u5ba2\u6236\u95dc\u4fc2\u7684\u63a7\u5236\u529b\u63d0\u9ad8\u3002<\/p>\n<p><\/p>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u53d6\u5f97\u9280\u884c\u724c\u7167\u5f8c<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5c0d\u696d\u52d9\u5f71\u97ff<\/td><\/tr><tr><td>\u5ba2\u6236\u5b58\u6b3e<\/td><td>\u53ef\u900f\u904e SoFi Bank \u6301\u6709<\/td><\/tr><tr><td>\u653e\u8cb8<\/td><td>\u53ef\u7531 SoFi \u81ea\u8eab\u8cc7\u7522\u8ca0\u50b5\u8868\u652f\u6301<\/td><\/tr><tr><td>SoFi \u89d2\u8272<\/td><td>\u76f4\u63a5\u53d6\u5f97\u66f4\u591a\u9280\u884c\u696d\u52d9\u5229\u6f64<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u9019\u9ede\u91cd\u8981\uff0c\u56e0\u70ba\u5b58\u6b3e\u662f\u9280\u884c\u6700\u6709\u50f9\u503c\u7684\u8cc7\u6e90\u4e4b\u4e00\uff1a\u5b58\u6b3e\u6210\u672c\u901a\u5e38\u8f03\u4f4e\uff0c\u53ef\u7528\u4f5c\u653e\u8cb8\u6216\u6295\u8cc7\u7684\u8cc7\u91d1\u4f86\u6e90\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u4e0d\u518d\u53ea\u9760\u5354\u52a9\u5176\u4ed6\u6a5f\u69cb\u63a5\u89f8\u5ba2\u6236\u800c\u6536\u53d6\u8cbb\u7528\uff08fees\uff1a\u670d\u52d9\u6536\u8cbb\uff09\uff0c\u800c\u662f\u53ef\u904b\u7528\u81ea\u5bb6\u5b58\u6b3e\u57fa\u790e\u53bb\u652f\u6301\u653e\u8cb8\u53ca\u5176\u4ed6\u91d1\u878d\u7522\u54c1\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u76f8\u6bd4\u4e0d\u5c11\u6c92\u6709\u9280\u884c\u724c\u7167\u7684\u6578\u78bc\u7af6\u722d\u8005\uff0c\u9019\u662f\u66f4\u7a69\u56fa\u7684\u5e95\u76e4\u3002\u73fe\u968e\u6bb5\u6311\u6230\u5728\u57f7\u884c\uff1a\u628a\u7d50\u69cb\u512a\u52e2\u8b8a\u6210\u6301\u7e8c\u7684\u76c8\u5229\u589e\u9577\u3002<\/p>\n<p><\/p>\n\n\n<h2 class=\"wp-block-heading\">\u628a\u57fa\u5efa\u8b8a\u6210\u5e73\u53f0\u751f\u610f<\/h2>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u7684 Technology Platform\uff08\u6280\u8853\u5e73\u53f0\u5206\u90e8\uff09\u4ea6\u662f\u5176\u9577\u7dda\u5e03\u5c40\u7684\u4e00\u90e8\u5206\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8a72\u5206\u90e8\u4ee5 Galileo \u70ba\u6838\u5fc3\uff0c\u5411\u5176\u4ed6\u516c\u53f8\u63d0\u4f9b\u91d1\u878d\u300c\u57fa\u5efa\u300d\u670d\u52d9\uff08financial infrastructure\uff1a\u4f8b\u5982\u652f\u4ed8\u3001\u767c\u5361\u3001\u8cec\u6236\u8655\u7406\u7b49\u5e95\u5c64\u7cfb\u7d71\uff09\u3002\u5438\u5f15\u4e4b\u8655\u5728\u65bc\uff0c\u57fa\u5efa\u696d\u52d9\u82e5\u5ba2\u6236\u589e\u52a0\uff0c\u901a\u5e38\u53ef\u66f4\u6613\u64f4\u5f35\uff08scalable\uff1a\u696d\u52d9\u91cf\u589e\u52a0\u6642\uff0c\u6210\u672c\u672a\u5fc5\u6309\u6bd4\u4f8b\u4e0a\u5347\uff09\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f46\u55ae\u9760\u898f\u6a21\u672a\u5fc5\u8db3\u5920\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u6295\u8cc7\u8005\u66f4\u95dc\u5fc3\u8a72\u5206\u90e8\u80fd\u5426\u5448\u73fe\u66f4\u7406\u60f3\u7684\u57fa\u5efa\u751f\u610f\u7279\u5fb5\uff0c\u5305\u62ec\uff1a<\/p>\n<p><\/p>\n\n\n<ul class=\"wp-block-list\">\n<li>\u6536\u5165\u589e\u9577\u66f4\u53ef\u9810\u6e2c\uff08predictable\uff1a\u6ce2\u52d5\u8f03\u5c0f\uff09<\/li>\n\n\n\n<li>\u5ba2\u6236\u66f4\u5206\u6563\uff08diversification\uff1a\u4e0d\u4f9d\u8cf4\u5c11\u6578\u5927\u5ba2\uff09<\/li>\n\n\n\n<li>\u898f\u6a21\u64f4\u5927\u6642\u5229\u6f64\u7387\u4e0a\u5347\uff08margins\uff1a\u6536\u5165\u6263\u9664\u6210\u672c\u5f8c\u7684\u6bd4\u4f8b\uff09<\/li>\n<\/ul>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u554f\u984c\u4e0d\u5728\u6280\u8853\u80fd\u529b\uff0c\u800c\u5728\u80fd\u5426\u5f62\u6210\u9577\u671f\u66f4\u5f37\u7684\u7d93\u71df\u69d3\u687f\uff08operating leverage\uff1a\u6536\u5165\u589e\u52a0\u6642\uff0c\u56fa\u5b9a\u6210\u672c\u6524\u8584\uff0c\u4ee4\u76c8\u5229\u589e\u901f\u5feb\u65bc\u6536\u5165\uff09\u3002<\/p>\n<p><\/p>\n\n\n<h2 class=\"wp-block-heading\">\u53ef\u80fd\u62d6\u6162 SoFi \u7684\u56e0\u7d20<\/h2>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u5e95\u5b50\u4e0d\u5dee\uff0c\u4f46\u80fd\u5426\u8b8a\u6210\u66f4\u9ad8\u4f30\u503c\u7684\u751f\u610f\uff0c\u4ecd\u53d6\u6c7a\u65bc\u5e7e\u500b\u9762\u5411\u3002<\/p>\n<p><\/p>\n\n\n<h3 class=\"wp-block-heading\">\u6d88\u8cbb\u4fe1\u8cb8\u98a8\u96aa<\/h3>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u653e\u8cb8\u4ecd\u662f SoFi \u4e3b\u8981\u589e\u9577\u5f15\u64ce\u4e4b\u4e00\uff0c\u4f46\u4ea6\u4ee4\u696d\u52d9\u66f4\u53d7\u6d88\u8cbb\u74b0\u5883\u5f71\u97ff\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u7576\u4fe1\u8cb8\u74b0\u5883\u5065\u5eb7\uff0c\u8f03\u5927\u7684\u8cb8\u6b3e\u7d44\u5408\uff08loan book\uff1a\u672a\u511f\u9084\u8cb8\u6b3e\u7e3d\u984d\uff09\u53ef\u652f\u6301\u76c8\u5229\uff1b\u4f46\u82e5\u6d88\u8cbb\u8005\u8ca1\u52d9\u58d3\u529b\u4e0a\u5347\uff0c\u5e02\u5834\u6703\u66f4\u95dc\u6ce8\u903e\u671f\uff08delinquencies\uff1a\u672a\u6309\u671f\u9084\u6b3e\uff09\u3001\u9055\u7d04\uff08defaults\uff1a\u9577\u671f\u7121\u6cd5\u9084\u6b3e\uff09\u53ca\u8cb8\u6b3e\u8868\u73fe\u3002<\/p>\n<p><\/p>\n\n\n<h3 class=\"wp-block-heading\">\u628a\u751f\u614b\u300c\u8b8a\u73fe\u300d<\/h3>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u64f4\u7522\u54c1\u7684\u7b56\u7565\uff0c\u91cd\u9ede\u5728\u65bc\u300c\u6bcf\u540d\u6703\u54e1\u4f7f\u7528\u66f4\u591a\u7522\u54c1\u300d\u80fd\u5426\u5e36\u4f86\u66f4\u4f73\u5229\u6f64\u7d50\u69cb\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5ba2\u6236\u63a1\u7528\uff08adoption\uff1a\u958b\u59cb\u4f7f\u7528\u7522\u54c1\uff09\u56fa\u7136\u91cd\u8981\uff0c\u4f46\u771f\u6b63\u50f9\u503c\u5728\u65bc\u662f\u5426\u63d0\u5347\u7559\u5b58\uff08retention\uff1a\u5ba2\u6236\u6301\u7e8c\u4f7f\u7528\uff09\u3001\u964d\u4f4e\u7372\u5ba2\u6210\u672c\uff0c\u4e26\u64f4\u5927\u5229\u6f64\u7387\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u7522\u54c1\u8986\u84cb\u66f4\u5ee3\u662f\u597d\u8a0a\u865f\uff0c\u4f46\u8ca1\u52d9\u56de\u5831\u4ecd\u9700\u6301\u7e8c\u9a57\u8b49\u3002<\/p>\n<p><\/p>\n\n\n<h3 class=\"wp-block-heading\">\u80fd\u5426\u9054\u5230\u5e02\u5834\u671f\u671b<\/h3>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">SoFi \u5df2\u6709\u4e00\u5b9a\u898f\u6a21\uff0c\u4e0b\u4e00\u6b65\u662f\u8b49\u660e\u80fd\u5426\u5728\u4fdd\u6301\u6548\u7387\u4e0b\u7e7c\u7e8c\u589e\u9577\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u5373\u662f\u8981\u5c55\u793a\u5ba2\u6236\u589e\u9577\u3001\u653e\u8cb8\u8207\u6280\u8853\u6295\u8cc7\u80fd\u4e92\u76f8\u914d\u5408\uff0c\u5e36\u4f86\u66f4\u9ad8\u56de\u5831\uff08returns\uff1a\u6295\u5165\u8cc7\u672c\u7684\u56de\u5831\uff0c\u5982 ROE\/ROA \u7b49\uff09\u3002<\/p>\n<p><\/p>\n\n\n<h2 class=\"wp-block-heading\">\u4ea4\u6613\u8005\u53ef\u7559\u610f\u4ec0\u9ebc<\/h2>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u8207\u5176\u53ea\u770b\u589e\u9577 headline\uff0c\u4ee5\u4e0b\u6307\u6a19\u66f4\u80fd\u53cd\u6620 SoFi \u7684\u9032\u5c55\uff1a<\/p>\n<p><\/p>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>EPS \u8f49\u5316\uff08EPS conversion\uff09\uff1a<\/strong>\u6536\u5165\u4e0a\u5347\u6642\uff0c\u76c8\u5229\u80fd\u529b\u662f\u5426\u540c\u6b65\u6539\u5584\uff0c\u53cd\u6620\u71df\u904b\u6548\u7387\u662f\u5426\u63d0\u5347\u3002<\/li>\n\n\n\n<li><strong>\u4fe1\u8cb8\u8868\u73fe\uff1a<\/strong>\u8cb8\u6b3e\u64f4\u5f35\u662f\u5426\u5728\u6d88\u8cbb\u4fe1\u8cb8\u8cea\u7d20\uff08credit quality\uff1a\u501f\u6b3e\u4eba\u9084\u6b3e\u80fd\u529b\u6574\u9ad4\u6c34\u5e73\uff09\u6c92\u6709\u660e\u986f\u8f49\u5dee\u4e0b\u9032\u884c\u3002<\/li>\n\n\n\n<li><strong>\u6280\u8853\u5e73\u53f0\u9032\u5c55\uff1a<\/strong>\u6536\u5165\u662f\u5426\u66f4\u7a69\u5b9a\u3001\u5ba2\u6236\u66f4\u5206\u6563\u3001\u898f\u6a21\u66f4\u6613\u64f4\u5f35\u3002<\/li>\n\n\n\n<li><strong>\u5ba2\u6236\u7d93\u6fdf\u6548\u76ca\uff1a<\/strong>\u7522\u54c1\u4f7f\u7528\u7387\u63d0\u9ad8\uff0c\u662f\u5426\u5e36\u4f86\u66f4\u5f37\u7559\u5b58\u8207\u66f4\u9ad8\u5229\u6f64\u7387\u3002<\/li>\n<\/ul>\n\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u4f5c\u70ba\u9280\u884c\uff0cSoFi \u7684\u5b58\u5728\u611f\u66f4\u96e3\u88ab\u5ffd\u8996\uff1a\u516c\u53f8\u5df2\u8b49\u660e\u80fd\u5efa\u7acb\u6578\u78bc\u9280\u884c\u696d\u52d9\u3002\u672a\u660e\u6717\u7684\u662f\uff0c\u5b83\u80fd\u5426\u9032\u4e00\u6b65\u6210\u70ba\u66f4\u5168\u9762\u7684\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u4e26\u9054\u5230\u6295\u8cc7\u8005\u671f\u671b\u7684\u5229\u6f64\u7387\u8207\u53ef\u64f4\u5f35\u6027\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\">\u672a\u4f86\u80a1\u50f9\u8d70\u52e2\u5f88\u5927\u7a0b\u5ea6\u53d6\u6c7a\u65bc\uff1a\u589e\u9577\u80fd\u5426\u66f4\u5feb\u5e36\u52d5\u76c8\u5229\uff1b\u5e02\u5834\u5c0d\u76c8\u5229\u9810\u671f\u80fd\u5426\u4e0a\u8abf\uff1b\u4ee5\u53ca\u6280\u8853\u5e73\u53f0\u5206\u90e8\u80fd\u5426\u66f4\u5206\u6563\u4e26\u5f62\u6210\u66f4\u5f37\u7d93\u71df\u69d3\u687f\u3002\u82e5\u6539\u5584\u9700\u6642\uff0c\u5e02\u5834\u7684\u5be9\u614e\u614b\u5ea6\u6216\u6703\u5ef6\u7e8c\u3002<\/p>\n<p><\/p>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Tap for TL;DR<\/summary><p><\/p>\n<p class=\"wp-block-paragraph\"><br><strong>\u70ba\u4f55 SoFi \u5728 2026 \u5e74\u7b2c\u4e8c\u5b63\u696d\u7e3e\u5f37\u52c1\u5f8c\u80a1\u50f9\u4ecd\u8dcc\uff1f<\/strong> <br>\u6295\u8cc7\u8005\u66f4\u95dc\u6ce8\u6bcf\u80a1\u76c8\u5229\u6307\u5f15\u672a\u4e0a\u8abf\uff0c\u4ee5\u53ca\u589e\u9577\u80fd\u5426\u8f49\u5316\u70ba\u66f4\u9ad8\u76c8\u5229\u80fd\u529b\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\"><strong>SoFi \u662f\u9280\u884c\u9084\u662f\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff1f<\/strong> <br>SoFi \u5df2\u5efa\u7acb\u6578\u78bc\u9280\u884c\u5e73\u53f0\uff0c\u4f46\u5e02\u5834\u4ecd\u5728\u5224\u65b7\u61c9\u4ee5\u4f55\u7a2e\u4f30\u503c\u65b9\u5f0f\u770b\u5f85\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\"><strong>SoFi \u5982\u4f55\u5728\u6578\u78bc\u9280\u884c\u7af6\u722d\uff1f<\/strong> <br>SoFi \u4ee5\u7522\u54c1\u751f\u614b\u4f5c\u7af6\u722d\uff0c\u4f46\u540c\u6642\u9762\u5c0d\u9280\u884c\u3001\u91d1\u878d\u79d1\u6280\u53ca\u6295\u8cc7\u5e73\u53f0\u7684\u58d3\u529b\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\"><strong>SoFi \u7684\u9280\u884c\u724c\u7167\u70ba\u4f55\u91cd\u8981\uff1f<\/strong> <br>\u724c\u7167\u4ee4 SoFi \u53ef\u5438\u6536\u5b58\u6b3e\uff0c\u4e26\u5728\u653e\u8cb8\u4e2d\u76f4\u63a5\u53d6\u5f97\u66f4\u591a\u5229\u6f64\u3002<\/p>\n<p><\/p>\n\n<p><\/p>\n<p class=\"wp-block-paragraph\"><strong>\u6295\u8cc7\u8005\u61c9\u7559\u610f SoFi \u4ec0\u9ebc\uff1f<\/strong> <br>\u76c8\u5229\u80fd\u529b\u3001\u4fe1\u8cb8\u8cea\u7d20\u3001\u5ba2\u6236\u589e\u9577\u53ca\u6280\u8853\u5e73\u53f0\u8868\u73fe\uff0c\u5c07\u5f71\u97ff\u5e02\u5834\u60c5\u7dd2\u3002<\/p>\n<p><\/p><\/details>\n\n\n\n\n<p class=\"wp-block-paragraph\"><b>\u7acb\u5373\u958b\u59cb\u4ea4\u6613 \u2014 \u9ede\u64ca<a href=\"https:\/\/www.vtmarkets.com\/zh-ca\/trade-now\/\">\u6b64\u8655<\/a>\u958b\u8a2d\u60a8\u7684 VT Markets \u771f\u5be6\u8cec\u6236\u3002<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>SoFi\u6b21\u5b63\u71df\u6536\u3001\u6703\u54e1\u53ca\u8cb8\u6b3e\u767c\u653e\u9f4a\u7834\u9802\uff0c\u4e26\u4e0a\u8abf\u6536\u5165\u6307\u5f15\uff1b\u60df\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u5347\u3001\u5be6\u969b\u7a05\u7387\u504f\u9ad8\uff0c\u5e02\u5834\u8f49\u7126\u76c8\u5229\u8cea\u7d20\u53ca\u4fe1\u8cb8\u98a8\u96aa\uff0c\u80a1\u50f9\u6025\u632b\u8fd1\u4e00\u6210\u3002<\/p>\n","protected":false},"author":87,"featured_media":53135,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-53136","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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