{"id":52897,"date":"2026-08-03T06:23:07","date_gmt":"2026-08-03T06:23:07","guid":{"rendered":"https:\/\/www.vtmarkets.com\/zh\/uncategorized\/52897\/"},"modified":"2026-08-03T06:23:07","modified_gmt":"2026-08-03T06:23:07","slug":"can-you-bank-on-sofi-as-a-next-generation-market-leader","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/","title":{"rendered":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\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\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Pastel 3D illustration of a bank connected to a smartphone and cloud tech, symbolizing fintech and digital banking with SoFi branding\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI.webp 1250w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-300x168.webp 300w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-768x430.webp 768w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-500x280.webp 500w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-400x224.webp 400w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-350x196.webp 350w, https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">SoFi \u4ea4\u51fa\u8fd1\u671f\u8868\u73fe\u6700\u5f37\u7684\u5b63\u5ea6\u4e4b\u4e00\u3002\u6536\u5165\u4e0a\u5347\uff0c\u6703\u54e1\u4eba\u6578\u5275\u65b0\u9ad8\uff0c\u8cb8\u6b3e\u65b0\u589e\u6279\u51fa\uff08\u6307\u8a72\u671f\u5167\u65b0\u767c\u653e\u6216\u91cd\u65b0\u878d\u8cc7\u7684\u8cb8\u6b3e\u7e3d\u984d\uff09\u4ea6\u5275\u7d00\u9304\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u696d\u7e3e\u516c\u5e03\u5f8c\uff0c\u80a1\u50f9\u4ecd\u56de\u843d\u7d04 9% \u81f3 10%\u3002<\/p>\n\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\n<p class=\"wp-block-paragraph\">\u5e02\u5834\u53cd\u61c9\u986f\u793a\uff0c\u6295\u8cc7\u8005\u5df2\u4e0d\u53ea\u770b\u8868\u9762\u589e\u9577\u6578\u5b57\u3002SoFi \u5efa\u7acb\u4e86\u64f4\u5f35\u4e2d\u7684\u6578\u78bc\u91d1\u878d\u5e73\u53f0\uff0c\u4f46\u5e02\u5834\u4ecd\u5728\u8861\u91cf\u9019\u7a2e\u589e\u9577\u6700\u7d42\u80fd\u5426\u8b8a\u6210\u53ef\u6301\u7e8c\u7684\u76c8\u5229\u80fd\u529b\uff0c\u9019\u4ea6\u662f\u300c\u696d\u7e3e\u6096\u8ad6\u300d\uff08\u696d\u7e3e\u8d85\u9810\u671f\u4f46\u80a1\u50f9\u4e0b\u8dcc\uff09\u7684\u5e38\u898b\u60c5\u6cc1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u5177\u5099\u73fe\u4ee3\u91d1\u878d\u5e73\u53f0\u7684\u8981\u7d20\uff1a\u9f90\u5927\u6703\u54e1\u57fa\u790e\u3001\u9280\u884c\u724c\u7167\uff08\u76e3\u7ba1\u6a5f\u69cb\u6279\u51c6\u53ef\u5438\u6536\u5b58\u6b3e\u53ca\u63d0\u4f9b\u9280\u884c\u670d\u52d9\uff09\uff0c\u4ee5\u53ca\u6301\u7e8c\u52a0\u63a8\u7522\u54c1\u3002\u95dc\u9375\u5728\u65bc\uff1a\u9019\u4e9b\u512a\u52e2\u80fd\u5426\u8f49\u5316\u70ba\u66f4\u5f37\u7684\u9577\u9060\u76c8\u5229\u8868\u73fe\u3002<\/p>\n\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\u91cd\u8981<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi 2026 \u5e74\u7b2c\u4e8c\u5b63\u696d\u7e3e\u986f\u793a\u6838\u5fc3\u696d\u52d9\u5ef6\u7e8c\u52d5\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u7d04 12 \u5104\u7f8e\u5143\uff0c\u6309\u5e74\u589e 40%\u3002\u6703\u54e1\u4eba\u6578\u589e 35% \u81f3 1,580 \u842c\u3002\u8cb8\u6b3e\u65b0\u589e\u6279\u51fa\u9054 148 \u5104\u7f8e\u5143\u5275\u65b0\u9ad8\u3002\u6bcf\u80a1\u76c8\u5229\uff08EPS\uff0c\u6307\u516c\u53f8\u8cfa\u53d6\u7684\u5229\u6f64\u6309\u6bcf\u80a1\u6524\u5206\uff09\u70ba 0.12 \u7f8e\u5143\uff0c\u9ad8\u65bc\u5206\u6790\u54e1\u9810\u671f\u7684 0.11 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ba1\u7406\u5c64\u4ea6\u4e0a\u8abf\u5168\u5e74\u6536\u5165\u6307\u5f15\uff08\u516c\u53f8\u5c0d\u672a\u4f86\u6536\u5165\u7684\u9810\u6e2c\uff09\u81f3 47.5 \u5104\u81f3 48.5 \u5104\u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e02\u5834\u4e0b\u8dcc\u4e3b\u56e0\u4e0d\u662f\u5927\u6578\u5b57\uff0c\u800c\u662f\u7d30\u9805\u8b8a\u5316\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u9810\u671f\u4e0a\u8abf\uff0c\u4f46\u7d93\u8abf\u6574 EPS \u6307\u5f15\uff08\u5254\u9664\u4e00\u6b21\u6027\u6216\u975e\u7d93\u5e38\u9805\u76ee\u5f8c\u7684\u6bcf\u80a1\u76c8\u5229\u9810\u6e2c\uff09\u672a\u6709\u63d0\u9ad8\uff0c\u539f\u56e0\u4e4b\u4e00\u662f\u5be6\u969b\u7a05\u7387\uff08\u516c\u53f8\u5be6\u969b\u7e73\u7a05\u4f54\u5229\u6f64\u6bd4\u4f8b\uff09\u9ad8\u65bc\u9810\u671f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u53cd\u6620 SoFi \u4ecd\u5728\u628a\u589e\u9577\u8f49\u70ba\u66f4\u5f37\u76c8\u5229\u3002\u64f4\u5927\u5ba2\u6236\u53ca\u589e\u52a0\u653e\u8cb8\u53ef\u5e36\u52d5\u6536\u5165\uff0c\u4f46\u6295\u8cc7\u8005\u66f4\u95dc\u5fc3\u6548\u7387\u53ca\u76c8\u5229\u80fd\u529b\uff08\u4f8b\u5982\u6210\u672c\u63a7\u5236\u3001\u6bdb\u5229\u53ca\u71df\u904b\u5229\u6f64\uff09\u662f\u5426\u540c\u6b65\u6539\u5584\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u4e0b\u4e00\u968e\u6bb5\u4e0d\u53ea\u770b\u6536\u5165\u898f\u6a21\uff0c\u66f4\u770b\u6bcf\u6bb5\u5ba2\u6236\u95dc\u4fc2\u80fd\u5426\u5e36\u4f86\u66f4\u591a\u50f9\u503c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6436\u4f54\u300c\u4e3b\u8981\u5e33\u6236\u300d\u95dc\u4fc2<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u7684\u9577\u9060\u7b56\u7565\uff0c\u662f\u5728\u6703\u54e1\u7684\u8ca1\u52d9\u751f\u6d3b\u4e2d\u4f54\u66f4\u91cd\u8981\u4f4d\u7f6e\u3002<\/p>\n\n\n\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\uff08\u4ee5\u65b0\u8cb8\u6b3e\u66ff\u63db\u820a\u8cb8\u6b3e\u4ee5\u964d\u4f4e\u5229\u7387\u6216\u8abf\u6574\u671f\u9650\uff09\u6216\u79c1\u4eba\u8cb8\u6b3e\uff0c\u518d\u8f49\u7528\u6d3b\u671f\u6236\u53e3\u3001\u6295\u8cc7\u3001\u4fe1\u7528\u5361\u6216\u6309\u63ed\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u908f\u8f2f\u5f88\u7c21\u55ae\uff1a\u4f7f\u7528\u591a\u9805\u7522\u54c1\u7684\u5ba2\u6236\uff0c\u9577\u671f\u50f9\u503c\u66f4\u9ad8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46 SoFi \u8981\u7af6\u722d\u7684\u662f\u91d1\u878d\u696d\u6700\u95dc\u9375\u7684\u95dc\u4fc2\u4e4b\u4e00\uff1a\u5ba2\u6236\u7684\u4e3b\u8981\u6236\u53e3\uff08\u5ba2\u6236\u65e5\u5e38\u6536\u652f\u53ca\u5132\u84c4\u6700\u5e38\u7528\u7684\u6838\u5fc3\u5e33\u6236\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u50b3\u7d71\u9280\u884c\u64c1\u6709\u898f\u6a21\u3001\u5b58\u6b3e\u57fa\u790e\u8207\u9577\u671f\u5ba2\u6236\u4fe1\u4efb\u3002\u6578\u78bc\u91d1\u878d\u79d1\u6280\u516c\u53f8\u900f\u904e\u7c21\u5316\u7684 App \u9ad4\u9a57\u5efa\u7acb\u9ad8\u4e92\u52d5\u3002\u6295\u8cc7\u5e73\u53f0\u5247\u53d7\u60e0\u65bc\u5df2\u5efa\u7acb\u7684\u8ca1\u5bcc\u7ba1\u7406\u95dc\u4fc2\u3002<\/p>\n\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\u5c0d\u624b\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>\u6469\u6839\u5927\u901a\u3001 \u7f8e\u570b\u9280\u884c\u3001 \u5bcc\u570b\u9280\u884c<\/td><td>\u898f\u6a21\u3001\u5b58\u6b3e\u53ca\u6210\u719f\u5ba2\u6236\u95dc\u4fc2<\/td><\/tr><tr><td>\u6578\u78bc\u91d1\u878d\u79d1\u6280\u516c\u53f8<\/td><td>Chime\u3001Robinhood\u3001Cash App<\/td><td>\u6578\u78bc\u4e92\u52d5\u9ad8\u3001\u7522\u54c1\u751f\u614b\u64f4\u5f35\u5feb<\/td><\/tr><tr><td>\u6295\u8cc7\u5e73\u53f0<\/td><td>\u5609\u4fe1\u7406\u8ca1\u3001Fidelity<\/td><td>\u9577\u671f\u4fe1\u4efb\u53ca\u9f90\u5927\u5ba2\u6236\u8cc7\u7522<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u7684\u6a5f\u6703\u4f86\u81ea\u6d88\u8cbb\u7fd2\u6163\u6539\u8b8a\uff1a\u66f4\u591a\u4eba\u6a02\u65bc\u4ee5\u6578\u78bc\u65b9\u5f0f\u7406\u8ca1\uff0c\u5e74\u8f15\u5ba2\u6236\u4ea6\u8f03\u5c11\u4f9d\u8cf4\u50b3\u7d71\u6a5f\u69cb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\uff0c\u5438\u7d0d\u5ba2\u6236\u53ea\u662f\u7b2c\u4e00\u6b65\uff1b\u66f4\u96e3\u7684\u662f\u6210\u70ba\u5ba2\u6236\u4f5c\u51fa\u66f4\u591a\u8ca1\u52d9\u6c7a\u7b56\u6642\u4f9d\u8cf4\u7684\u5e73\u53f0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9280\u884c\u724c\u7167\u6539\u8b8a\u4e86\u6a21\u5f0f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u7684\u9577\u7dda\u95dc\u9375\u4e4b\u4e00\uff0c\u662f\u53d6\u5f97\u9280\u884c\u724c\u7167\u5f8c\u5e36\u4f86\u7684\u8f49\u8b8a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6210\u70ba\u9280\u884c\u4e4b\u524d\uff0cSoFi \u66f4\u50cf\u662f\u79d1\u6280\u5e73\u53f0\u8207\u7372\u5ba2\u6e20\u9053\uff08\u7372\u53d6\u65b0\u5ba2\u7684\u6d41\u7a0b\u8207\u6210\u672c\uff09\uff0c\u4e26\u8207\u5408\u4f5c\u91d1\u878d\u6a5f\u69cb\u9023\u63a5\u3002<\/p>\n\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\u4e4b\u524d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\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\uff08\u5373\u7531\u5176\u4ed6\u6a5f\u69cb\u63d0\u4f9b\u8cc7\u91d1\u8207\u627f\u64d4\u98a8\u96aa\uff09<\/td><\/tr><tr><td>SoFi \u89d2\u8272<\/td><td>\u7372\u5ba2\u53ca\u91d1\u878d\u79d1\u6280\u5c64<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d6\u5f97\u724c\u7167\u5f8c\uff0cSoFi \u5c0d\u5ba2\u6236\u95dc\u4fc2\u7684\u63a7\u5236\u66f4\u5927\u3002<\/p>\n\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\u4e4b\u5f8c<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u696d\u52d9\u5f71\u97ff<\/td><\/tr><tr><td>\u5ba2\u6236\u5b58\u6b3e<\/td><td>\u900f\u904e SoFi Bank \u6301\u6709<\/td><\/tr><tr><td>\u653e\u8cb8<\/td><td>\u4ee5 SoFi \u81ea\u8eab\u8cc7\u7522\u8ca0\u50b5\u8868\u652f\u6301\uff08\u5373\u7528\u81ea\u6709\u8cc7\u91d1\u8207\u627f\u64d4\u4fe1\u8cb8\u98a8\u96aa\uff09<\/td><\/tr><tr><td>SoFi \u89d2\u8272<\/td><td>\u53ef\u66f4\u76f4\u63a5\u7372\u53d6\u9280\u884c\u696d\u52d9\u5229\u6f64<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u5f88\u91cd\u8981\uff0c\u56e0\u70ba\u5b58\u6b3e\u662f\u9280\u884c\u6700\u6709\u50f9\u503c\u7684\u8cc7\u6e90\u4e4b\u4e00\uff1a\u6210\u672c\u901a\u5e38\u8f03\u4f4e\uff0c\u4ea6\u53ef\u7528\u4f5c\u653e\u8cb8\u8cc7\u91d1\u4f86\u6e90\u3002<\/p>\n\n\n\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\uff0c\u800c\u662f\u53ef\u7528\u81ea\u5bb6\u5b58\u6b3e\u57fa\u790e\u652f\u6301\u653e\u8cb8\u53ca\u5176\u4ed6\u91d1\u878d\u7522\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u4ee4\u5176\u8f03\u7f3a\u4e4f\u9280\u884c\u724c\u7167\u7684\u6578\u78bc\u5c0d\u624b\u66f4\u6709\u57fa\u790e\u3002\u4e4b\u5f8c\u7684\u95dc\u9375\u662f\u57f7\u884c\u529b\uff1a\u628a\u7d50\u69cb\u6027\u512a\u52e2\u8f49\u5316\u70ba\u7a69\u5b9a\u7684\u76c8\u5229\u589e\u9577\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u628a\u57fa\u5efa\u8b8a\u6210\u5e73\u53f0<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u7684\u79d1\u6280\u5e73\u53f0\uff08Technology Platform\uff09\u5206\u90e8\uff0c\u662f\u5176\u9577\u9060\u5e03\u5c40\u7684\u53e6\u4e00\u652f\u67f1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8a72\u696d\u52d9\u4ee5 Galileo \u70ba\u6838\u5fc3\uff0c\u5411\u5176\u4ed6\u516c\u53f8\u63d0\u4f9b\u91d1\u878d\u57fa\u5efa\u670d\u52d9\uff08\u4f8b\u5982\u652f\u4ed8\u53ca\u767c\u5361\u7b49\u5f8c\u7aef\u7cfb\u7d71\uff09\u3002\u5438\u5f15\u4e4b\u8655\u5728\u65bc\uff1a\u57fa\u5efa\u578b\u696d\u52d9\u5177\u53ef\u64f4\u5c55\u6027\uff08scalability\uff0c\u5373\u5ba2\u6236\u6578\u4e0a\u5347\u6642\uff0c\u6210\u672c\u589e\u5e45\u53ef\u8f03\u6162\uff09\uff0c\u82e5\u5ba2\u6236\u6301\u7e8c\u589e\u52a0\uff0c\u6536\u5165\u589e\u9577\u53ef\u66f4\u5feb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u53ea\u6709\u898f\u6a21\u4e26\u4e0d\u8db3\u5920\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6295\u8cc7\u8005\u6703\u95dc\u6ce8\u8a72\u5206\u90e8\u80fd\u5426\u5efa\u7acb\u66f4\u6210\u719f\u7684\u57fa\u5efa\u696d\u52d9\u7279\u8cea\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6536\u5165\u589e\u9577\u66f4\u53ef\u9810\u6e2c<\/li>\n\n\n\n<li>\u5ba2\u6236\u66f4\u5206\u6563\uff08\u907f\u514d\u904e\u5ea6\u4f9d\u8cf4\u5c11\u6578\u5ba2\u6236\uff09<\/li>\n\n\n\n<li>\u96a8\u696d\u52d9\u64f4\u5f35\uff0c\u5229\u6f64\u7387\uff08margins\uff0c\u5373\u76c8\u5229\u4f54\u6536\u5165\u6bd4\u4f8b\uff09\u6539\u5584<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u554f\u984c\u4e0d\u5728\u65bc SoFi \u6709\u6c92\u6709\u6280\u8853\uff0c\u800c\u5728\u65bc\u9019\u4e9b\u6280\u8853\u80fd\u5426\u5e36\u4f86\u66f4\u5f37\u7684\u7d93\u71df\u69d3\u687f\uff08operating leverage\uff0c\u5373\u6536\u5165\u589e\u52a0\u6642\uff0c\u6210\u672c\u4e0a\u5347\u8f03\u6162\uff0c\u4ee4\u5229\u6f64\u589e\u9577\u66f4\u5feb\uff09\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u53ef\u80fd\u62d6\u7d2f SoFi \u7684\u56e0\u7d20<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u57fa\u790e\u4e0d\u5f31\uff0c\u4f46\u80fd\u5426\u8b8a\u6210\u66f4\u9ad8\u50f9\u503c\u7684\u696d\u52d9\uff0c\u53d6\u6c7a\u65bc\u5e7e\u500b\u74b0\u7bc0\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u96f6\u552e\u4fe1\u8cb8\u98a8\u96aa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u653e\u8cb8\u4ecd\u662f SoFi \u7684\u4e3b\u8981\u589e\u9577\u5f15\u64ce\u4e4b\u4e00\uff0c\u4f46\u4ea6\u4ee4\u5176\u66f4\u53d7\u6d88\u8cbb\u8005\u8ca1\u52d9\u72c0\u6cc1\u5f71\u97ff\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u4fe1\u8cb8\u74b0\u5883\u5065\u5eb7\u6642\uff0c\u66f4\u5927\u7684\u8cb8\u6b3e\u7d44\u5408\uff08loan book\uff0c\u5373\u672a\u511f\u9084\u8cb8\u6b3e\u7e3d\u984d\uff09\u53ef\u652f\u6301\u76c8\u5229\uff1b\u4e00\u65e6\u6d88\u8cbb\u8005\u58d3\u529b\u4e0a\u5347\uff0c\u5e02\u5834\u6703\u66f4\u7dca\u76ef\u903e\u671f\uff08delinquency\uff0c\u6307\u672a\u6309\u6642\u9084\u6b3e\uff09\u3001\u9055\u7d04\uff08default\uff0c\u6307\u7121\u6cd5\u9084\u6b3e\uff09\u53ca\u8cb8\u6b3e\u8868\u73fe\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u628a\u751f\u614b\u7cfb\u7d71\u8b8a\u73fe<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u64f4\u7522\u54c1\u7b56\u7565\u7684\u6838\u5fc3\uff0c\u662f\u63d0\u5347\u300c\u6bcf\u540d\u6703\u54e1\u4f7f\u7528\u7522\u54c1\u6578\u91cf\u300d\u4e26\u8f49\u5316\u70ba\u66f4\u597d\u7684\u76c8\u5229\u8868\u73fe\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6236\u63a1\u7528\u56fa\u7136\u91cd\u8981\uff0c\u4f46\u771f\u6b63\u50f9\u503c\u5728\u65bc\uff1a\u80fd\u5426\u63d0\u5347\u7559\u5b58\u7387\uff08retention\uff0c\u5373\u5ba2\u6236\u6301\u7e8c\u4f7f\u7528\uff09\u3001\u964d\u4f4e\u7372\u5ba2\u6210\u672c\uff08acquisition costs\uff0c\u7372\u53d6\u65b0\u5ba2\u7684\u63a8\u5ee3\u53ca\u6e20\u9053\u6210\u672c\uff09\u53ca\u64f4\u5927\u5229\u6f64\u7387\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7522\u54c1\u8986\u84cb\u66f4\u5ee3\u662f\u6b63\u9762\u8a0a\u865f\uff0c\u4f46\u8ca1\u52d9\u6548\u76ca\u4ecd\u9700\u4ee5\u6578\u64da\u8b49\u660e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u80fd\u5426\u9054\u5230\u5e02\u5834\u671f\u671b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SoFi \u5df2\u9054\u5230\u4e00\u5b9a\u898f\u6a21\uff0c\u4e0b\u4e00\u6b65\u662f\u8b49\u660e\u53ef\u5728\u6548\u7387\u63d0\u5347\u4e0b\u6301\u7e8c\u589e\u9577\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ea6\u5373\u8981\u5c55\u793a\uff1a\u5ba2\u6236\u589e\u9577\u3001\u653e\u8cb8\u8207\u79d1\u6280\u6295\u8cc7\u80fd\u76f8\u4e92\u914d\u5408\uff0c\u5e36\u4f86\u66f4\u9ad8\u56de\u5831\uff08returns\uff0c\u5373\u8cc7\u672c\u56de\u5831\u6216\u76c8\u5229\u56de\u5831\uff09\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ea4\u6613\u8005\u53ef\u7559\u610f\u7684\u91cd\u9ede<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8207\u5176\u53ea\u770b\u589e\u9577\u6578\u5b57\uff0c\u4ee5\u4e0b\u6307\u6a19\u66f4\u80fd\u53cd\u6620 SoFi \u9032\u5c55\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>EPS \u8f49\u5316\uff1a<\/strong>\u76c8\u5229\u80fd\u529b\u662f\u5426\u96a8\u6536\u5165\u589e\u9577\u800c\u6539\u5584\uff1b\u82e5\u6536\u5165\u8207\u76c8\u5229\u7684\u806f\u52d5\u66f4\u5f37\uff0c\u4ee3\u8868\u6548\u7387\u63d0\u5347\u3002<\/li>\n\n\n\n<li><strong>\u4fe1\u8cb8\u8868\u73fe\uff1a<\/strong>\u8cb8\u6b3e\u64f4\u5f35\u4e0b\uff0c\u6d88\u8cbb\u8005\u4fe1\u8cb8\u8cea\u7d20\uff08credit quality\uff0c\u5373\u501f\u6b3e\u4eba\u9084\u6b3e\u80fd\u529b\u6574\u9ad4\u6c34\u5e73\uff09\u6709\u5426\u660e\u986f\u8f49\u5dee\u3002<\/li>\n\n\n\n<li><strong>\u79d1\u6280\u5e73\u53f0\u9032\u5c55\uff1a<\/strong>\u5206\u90e8\u6536\u5165\u662f\u5426\u66f4\u53ef\u9810\u6e2c\u3001\u5ba2\u6236\u66f4\u5206\u6563\u3001\u64f4\u5c55\u6027\u66f4\u5f37\u3002<\/li>\n\n\n\n<li><strong>\u5ba2\u6236\u7d93\u6fdf\u6548\u76ca\uff1a<\/strong>\u7522\u54c1\u4f7f\u7528\u7387\u63d0\u5347\uff0c\u662f\u5426\u5e36\u4f86\u66f4\u9ad8\u7559\u5b58\u53ca\u66f4\u4f73\u5229\u6f64\u7387\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f5c\u70ba\u9280\u884c\uff0cSoFi \u7684\u9032\u5c55\u6108\u4f86\u6108\u96e3\u88ab\u5ffd\u8996\uff1b\u516c\u53f8\u5df2\u8b49\u660e\u80fd\u5efa\u7acb\u6578\u78bc\u9280\u884c\u696d\u52d9\u3002\u5e02\u5834\u4ecd\u4e0d\u78ba\u5b9a\u7684\u662f\uff1a\u5b83\u80fd\u5426\u6210\u70ba\u66f4\u5ee3\u6cdb\u7684\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u4e26\u4ea4\u51fa\u6295\u8cc7\u8005\u671f\u671b\u7684\u5229\u6f64\u7387\u8207\u53ef\u64f4\u5c55\u6027\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0b\u4e00\u6b65\u662f\u8b49\u660e\u73fe\u6709\u5ba2\u6236\u589e\u9577\u3001\u9280\u884c\u57fa\u5efa\u8207\u6280\u8853\u80fd\u529b\uff0c\u80fd\u5426\u8f49\u5316\u70ba\u9818\u5148\u91d1\u878d\u79d1\u6280\u5e73\u53f0\u5e38\u898b\u7684\u898f\u6a21\u6548\u76ca\u8207\u76c8\u5229\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u500b\u8f49\u578b\u5f88\u53ef\u80fd\u5de6\u53f3\u80a1\u50f9\u4e0b\u4e00\u968e\u6bb5\u8d70\u52e2\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82e5\u76c8\u5229\u958b\u59cb\u8ffd\u4e0a\u589e\u9577\u3001\u76c8\u5229\u9810\u671f\u96a8\u6536\u5165\u4e00\u540c\u4e0a\u8abf\uff0c\u4e14\u79d1\u6280\u5e73\u53f0\u5206\u90e8\u7684\u5ba2\u6236\u5206\u6563\u5ea6\u8207\u7d93\u71df\u69d3\u687f\u66f4\u660e\u986f\uff0c\u6295\u8cc7\u8005\u4fe1\u5fc3\u53ef\u671b\u56de\u5347\uff1b\u82e5\u6539\u5584\u9700\u6642\u66f4\u9577\uff0c\u8fd1\u671f\u80a1\u50f9\u53cd\u6620\u7684\u5be9\u614e\u60c5\u7dd2\u6216\u6703\u6301\u7e8c\u3002<\/p>\n\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>\u9ede\u6309\u67e5\u770b TL;DR<\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>\u70ba\u4f55 SoFi 2026 \u5e74\u7b2c\u4e8c\u5b63\u696d\u7e3e\u5f37\u52c1\u5f8c\u80a1\u50f9\u4ecd\u8dcc\uff1f<\/strong> <br>\u6295\u8cc7\u8005\u805a\u7126\u7d93\u8abf\u6574 EPS \u6307\u5f15\u672a\u6709\u4e0a\u8abf\uff0c\u4ee5\u53ca\u589e\u9577\u80fd\u5426\u8f49\u5316\u70ba\u66f4\u9ad8\u76c8\u5229\u80fd\u529b\u3002<\/p>\n\n\n\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\u5176\u4f30\u503c\uff08valuation\uff0c\u5373\u5e02\u5834\u61c9\u7d66\u4e88\u7684\u50f9\u683c\u6c34\u5e73\uff09\u61c9\u5982\u4f55\u5b9a\u4f4d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>SoFi \u5982\u4f55\u5728\u6578\u78bc\u9280\u884c\u5e02\u5834\u7af6\u722d\uff1f<\/strong> <br>SoFi \u4ee5\u7522\u54c1\u751f\u614b\u7cfb\u7d71\u7af6\u722d\uff0c\u4f46\u540c\u6642\u9762\u5c0d\u50b3\u7d71\u9280\u884c\u3001\u6578\u78bc\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ca\u6295\u8cc7\u5e73\u53f0\u7684\u58d3\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u70ba\u4f55\u9280\u884c\u724c\u7167\u91cd\u8981\uff1f<\/strong> <br>\u724c\u7167\u8b93 SoFi \u53ef\u5438\u6536\u5b58\u6b3e\uff0c\u4e26\u5728\u653e\u8cb8\u4e2d\u66f4\u76f4\u63a5\u7372\u53d6\u5229\u6f64\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6295\u8cc7\u8005\u61c9\u7559\u610f SoFi \u751a\u9ebc\uff1f<\/strong> <br>\u76c8\u5229\u80fd\u529b\u3001\u4fe1\u8cb8\u8cea\u7d20\u3001\u5ba2\u6236\u589e\u9577\u53ca\u79d1\u6280\u5e73\u53f0\u5206\u90e8\u8868\u73fe\uff0c\u5c07\u5de6\u53f3\u5e02\u5834\u60c5\u7dd2\u3002<\/p>\n<\/details>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\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\/zh\/trade-now\/?utm_source=Opinion\">\u6b64\u5904<\/a>\u5f00\u8bbe\u60a8\u7684 VT Markets \u771f\u5b9e\u8d26\u6237\u3002<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002<\/p>\n","protected":false},"author":87,"featured_media":52896,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-52897","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\" content=\"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"VT Markets -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets\" \/>\n\t\t<meta property=\"og:description\" content=\"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-08-03T06:23:07+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-08-03T06:23:07+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets\" \/>\n\t\t<meta name=\"twitter:description\" content=\"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#blogposting\",\"name\":\"SoFi \\u80fd\\u5426\\u6210\\u70ba\\u4e0b\\u4e00\\u4ee3\\u5e02\\u5834\\u9818\\u5c0e\\u8005\\uff0c\\u503c\\u5f97\\u62bc\\u6ce8\\u55ce\\uff1f - VT Markets\",\"headline\":\"SoFi \\u80fd\\u5426\\u6210\\u70ba\\u4e0b\\u4e00\\u4ee3\\u5e02\\u5834\\u9818\\u5c0e\\u8005\\uff0c\\u503c\\u5f97\\u62bc\\u6ce8\\u55ce\\uff1f\",\"author\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/author\\\/josephine\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2026\\\/08\\\/SOFI.webp\",\"width\":1250,\"height\":700,\"caption\":\"Pastel 3D illustration of a bank connected to a smartphone and cloud tech, symbolizing fintech and digital banking with SoFi branding\"},\"datePublished\":\"2026-08-03T06:23:07+00:00\",\"dateModified\":\"2026-08-03T06:23:07+00:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#webpage\"},\"articleSection\":\"Opinion\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/category\\\/opinion\\\/#listItem\",\"name\":\"Opinion\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/category\\\/opinion\\\/#listItem\",\"position\":2,\"name\":\"Opinion\",\"item\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/category\\\/opinion\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#listItem\",\"name\":\"SoFi \\u80fd\\u5426\\u6210\\u70ba\\u4e0b\\u4e00\\u4ee3\\u5e02\\u5834\\u9818\\u5c0e\\u8005\\uff0c\\u503c\\u5f97\\u62bc\\u6ce8\\u55ce\\uff1f\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#listItem\",\"position\":3,\"name\":\"SoFi \\u80fd\\u5426\\u6210\\u70ba\\u4e0b\\u4e00\\u4ee3\\u5e02\\u5834\\u9818\\u5c0e\\u8005\\uff0c\\u503c\\u5f97\\u62bc\\u6ce8\\u55ce\\uff1f\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/category\\\/opinion\\\/#listItem\",\"name\":\"Opinion\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/#organization\",\"name\":\"VT Markets\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/author\\\/josephine\\\/#author\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/author\\\/josephine\\\/\",\"name\":\"josephine\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7809ddd0668c6cd297bde70914f1903a959aa8d1a194930855d6c5b37e53a6f0?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"josephine\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#webpage\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/\",\"name\":\"SoFi \\u80fd\\u5426\\u6210\\u70ba\\u4e0b\\u4e00\\u4ee3\\u5e02\\u5834\\u9818\\u5c0e\\u8005\\uff0c\\u503c\\u5f97\\u62bc\\u6ce8\\u55ce\\uff1f - VT Markets\",\"description\":\"SoFi\\u6b21\\u5b63\\u6536\\u5165\\u3001\\u6703\\u54e1\\u53ca\\u65b0\\u589e\\u6279\\u51fa\\u9f4a\\u7834\\u9802\\uff0c\\u60df\\u7e3e\\u5f8c\\u80a1\\u50f9\\u632b\\u8fd1\\u4e00\\u6210\\uff1b\\u5e02\\u5834\\u805a\\u7126\\u7d93\\u8abf\\u6574EPS\\u6307\\u5f15\\u672a\\u4e0a\\u8abf\\u3001\\u7a05\\u7387\\u62d6\\u7d2f\\uff0c\\u4e26\\u8003\\u9a57\\u9280\\u884c\\u724c\\u7167\\u3001\\u79d1\\u6280\\u5e73\\u53f0\\u80fd\\u5426\\u8f49\\u5316\\u53ef\\u6301\\u7e8c\\u76c8\\u5229\\u3002\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/author\\\/josephine\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/author\\\/josephine\\\/#author\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/wp-content\\\/uploads\\\/sites\\\/12\\\/2026\\\/08\\\/SOFI.webp\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#mainImage\",\"width\":1250,\"height\":700,\"caption\":\"Pastel 3D illustration of a bank connected to a smartphone and cloud tech, symbolizing fintech and digital banking with SoFi branding\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/opinion\\\/52897\\\/#mainImage\"},\"datePublished\":\"2026-08-03T06:23:07+00:00\",\"dateModified\":\"2026-08-03T06:23:07+00:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/#website\",\"url\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/\",\"name\":\"VT Markets\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.vtmarkets.com\\\/zh\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<script type=\"text\/javascript\">\n\t\t\t(function(c,l,a,r,i,t,y){\n\t\t\tc[a]=c[a]||function(){(c[a].q=c[a].q||[]).push(arguments)};t=l.createElement(r);t.async=1;\n\t\t\tt.src=\"https:\/\/www.clarity.ms\/tag\/\"+i+\"?ref=aioseo\";y=l.getElementsByTagName(r)[0];y.parentNode.insertBefore(t,y);\n\t\t})(window, document, \"clarity\", \"script\", \"hve3hepmc7\");\n\t\t<\/script>\n\t\t<!-- All in One SEO Pro -->\r\n\t\t<title>SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets<\/title>\n\n","aioseo_head_json":{"title":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets","description":"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002","canonical_url":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/","robots":"max-snippet:-1, max-image-preview:large, max-video-preview:-1","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#blogposting","name":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets","headline":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f","author":{"@id":"https:\/\/www.vtmarkets.com\/zh\/author\/josephine\/#author"},"publisher":{"@id":"https:\/\/www.vtmarkets.com\/zh\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI.webp","width":1250,"height":700,"caption":"Pastel 3D illustration of a bank connected to a smartphone and cloud tech, symbolizing fintech and digital banking with SoFi branding"},"datePublished":"2026-08-03T06:23:07+00:00","dateModified":"2026-08-03T06:23:07+00:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#webpage"},"isPartOf":{"@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#webpage"},"articleSection":"Opinion"},{"@type":"BreadcrumbList","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh#listItem","position":1,"name":"Home","item":"https:\/\/www.vtmarkets.com\/zh","nextItem":{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/#listItem","name":"Opinion"}},{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/#listItem","position":2,"name":"Opinion","item":"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#listItem","name":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#listItem","position":3,"name":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f","previousItem":{"@type":"ListItem","@id":"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/#listItem","name":"Opinion"}}]},{"@type":"Organization","@id":"https:\/\/www.vtmarkets.com\/zh\/#organization","name":"VT Markets","url":"https:\/\/www.vtmarkets.com\/zh\/"},{"@type":"Person","@id":"https:\/\/www.vtmarkets.com\/zh\/author\/josephine\/#author","url":"https:\/\/www.vtmarkets.com\/zh\/author\/josephine\/","name":"josephine","image":{"@type":"ImageObject","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/7809ddd0668c6cd297bde70914f1903a959aa8d1a194930855d6c5b37e53a6f0?s=96&d=mm&r=g","width":96,"height":96,"caption":"josephine"}},{"@type":"WebPage","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#webpage","url":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/","name":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets","description":"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.vtmarkets.com\/zh\/#website"},"breadcrumb":{"@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#breadcrumblist"},"author":{"@id":"https:\/\/www.vtmarkets.com\/zh\/author\/josephine\/#author"},"creator":{"@id":"https:\/\/www.vtmarkets.com\/zh\/author\/josephine\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/www.vtmarkets.com\/zh\/wp-content\/uploads\/sites\/12\/2026\/08\/SOFI.webp","@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#mainImage","width":1250,"height":700,"caption":"Pastel 3D illustration of a bank connected to a smartphone and cloud tech, symbolizing fintech and digital banking with SoFi branding"},"primaryImageOfPage":{"@id":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/#mainImage"},"datePublished":"2026-08-03T06:23:07+00:00","dateModified":"2026-08-03T06:23:07+00:00"},{"@type":"WebSite","@id":"https:\/\/www.vtmarkets.com\/zh\/#website","url":"https:\/\/www.vtmarkets.com\/zh\/","name":"VT Markets","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.vtmarkets.com\/zh\/#organization"}}]},"og:locale":"en_US","og:site_name":"VT Markets -","og:type":"article","og:title":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets","og:description":"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002","og:url":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/","article:published_time":"2026-08-03T06:23:07+00:00","article:modified_time":"2026-08-03T06:23:07+00:00","twitter:card":"summary_large_image","twitter:title":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f - VT Markets","twitter:description":"SoFi\u6b21\u5b63\u6536\u5165\u3001\u6703\u54e1\u53ca\u65b0\u589e\u6279\u51fa\u9f4a\u7834\u9802\uff0c\u60df\u7e3e\u5f8c\u80a1\u50f9\u632b\u8fd1\u4e00\u6210\uff1b\u5e02\u5834\u805a\u7126\u7d93\u8abf\u6574EPS\u6307\u5f15\u672a\u4e0a\u8abf\u3001\u7a05\u7387\u62d6\u7d2f\uff0c\u4e26\u8003\u9a57\u9280\u884c\u724c\u7167\u3001\u79d1\u6280\u5e73\u53f0\u80fd\u5426\u8f49\u5316\u53ef\u6301\u7e8c\u76c8\u5229\u3002"},"aioseo_meta_data":{"post_id":"52897","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"seo_analyzer_scan_date":"2026-08-03 06:47:41","breadcrumb_settings":null,"limit_modified_date":false,"open_ai":null,"ai":null,"created":"2026-08-03 06:46:39","updated":"2026-08-03 08:06:40"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.vtmarkets.com\/zh\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/\" title=\"Opinion\">Opinion<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\tSoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.vtmarkets.com\/zh"},{"label":"Opinion","link":"https:\/\/www.vtmarkets.com\/zh\/category\/opinion\/"},{"label":"SoFi \u80fd\u5426\u6210\u70ba\u4e0b\u4e00\u4ee3\u5e02\u5834\u9818\u5c0e\u8005\uff0c\u503c\u5f97\u62bc\u6ce8\u55ce\uff1f","link":"https:\/\/www.vtmarkets.com\/zh\/opinion\/52897\/"}],"_links":{"self":[{"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/posts\/52897","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/comments?post=52897"}],"version-history":[{"count":0,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/posts\/52897\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/media\/52896"}],"wp:attachment":[{"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/media?parent=52897"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/categories?post=52897"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/zh\/wp-json\/wp\/v2\/tags?post=52897"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}