{"id":908,"date":"2025-07-03T01:18:11","date_gmt":"2025-07-03T01:18:11","guid":{"rendered":"https:\/\/doinamerica.com\/?p=908"},"modified":"2025-07-03T17:29:47","modified_gmt":"2025-07-03T17:29:47","slug":"%e6%95%a3%e6%88%b7%e6%8a%95%e8%b5%84%e8%80%85%e7%9a%84%e5%b4%9b%e8%b5%b7%ef%bc%8c%e5%83%8f-robinhood-%e8%bf%99%e6%a0%b7%e7%9a%84%e5%ba%94%e7%94%a8%e7%a8%8b%e5%ba%8f%e5%a6%82%e4%bd%95%e6%94%b9%e5%8f%98","status":"publish","type":"post","link":"https:\/\/doinamerica.com\/zh\/%e6%95%a3%e6%88%b7%e6%8a%95%e8%b5%84%e8%80%85%e7%9a%84%e5%b4%9b%e8%b5%b7%ef%bc%8c%e5%83%8f-robinhood-%e8%bf%99%e6%a0%b7%e7%9a%84%e5%ba%94%e7%94%a8%e7%a8%8b%e5%ba%8f%e5%a6%82%e4%bd%95%e6%94%b9%e5%8f%98\/","title":{"rendered":"\u6563\u6237\u6295\u8d44\u8005\u7684\u5d1b\u8d77\uff1a\u50cf Robinhood \u8fd9\u6837\u7684\u5e94\u7528\u7a0b\u5e8f\u5982\u4f55\u6539\u53d8\u6e38\u620f\u89c4\u5219"},"content":{"rendered":"<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\" id=\"unique-article-container-id-2847\">\n<h1 class=\"header-elite-designation-923\">Robinhood \u5982\u4f55\u5f7b\u5e95\u6539\u53d8\u7f8e\u56fd\u7684\u96f6\u552e\u6295\u8d44<\/h1>\n<div class=\"navigation-hub-professional-156\">\n<h3 class=\"subheader-tier3-designation-925\">\u6587\u7ae0\u5bfc\u822a<\/h3>\n<ul class=\"list-unstyled-nav-789\">\n<li class=\"nav-item-spacing-234\"><a href=\"#traditional-barriers\" class=\"link-dotted-hover-567\">\u6253\u7834\u4f20\u7edf\u58c1\u5792<\/a><\/li>\n<li class=\"nav-item-spacing-234\"><a href=\"#demographic-shift\" class=\"link-dotted-hover-567\">\u65b0\u4e00\u6ce2\u6295\u8d44\u8005<\/a><\/li>\n<li class=\"nav-item-spacing-234\"><a href=\"#technology-impact\" class=\"link-dotted-hover-567\">\u6280\u672f\u7684\u53d8\u9769\u4f5c\u7528<\/a><\/li>\n<li class=\"nav-item-spacing-234\"><a href=\"#market-consequences\" class=\"link-dotted-hover-567\">\u5bf9\u6574\u4e2a\u5e02\u573a\u7684\u5f71\u54cd<\/a><\/li>\n<li class=\"nav-item-spacing-234\"><a href=\"#future-outlook\" class=\"link-dotted-hover-567\">\u671f\u5f85<\/a><\/li>\n<\/ul>\n<\/div>\n2020\u5e74\u53d1\u751f\u4e86\u4e00\u4ef6\u975e\u540c\u5bfb\u5e38\u7684\u4e8b\u3002\u5f53\u4f20\u7edf\u91d1\u878d\u673a\u6784\u5fd9\u4e8e\u9002\u5e94\u4e0d\u65ad\u53d8\u5316\u7684\u4e16\u754c\u65f6\uff0c\u6570\u767e\u4e07\u7f8e\u56fd\u4eba\u2014\u2014\u5176\u4e2d\u8bb8\u591a\u4eba\u6b64\u524d\u4ece\u672a\u6301\u6709\u8fc7\u80a1\u7968\u2014\u2014\u5f00\u59cb\u901a\u8fc7\u667a\u80fd\u624b\u673a\u8fdb\u884c\u6295\u8d44\u3002\u6211\u4eb2\u773c\u76ee\u7779\u4e86\u8fd9\u4e00\u8f6c\u53d8\u7684\u53d1\u751f\uff0c\u8bf4\u5b9e\u8bdd\uff1f\u8fd9\u65e2\u4ee4\u4eba\u7740\u8ff7\uff0c\u53c8\u4ee4\u4eba\u62c5\u5fe7\u3002\u6563\u6237\u6295\u8d44\u9769\u547d\u5e76\u975e\u4e00\u591c\u4e4b\u95f4\u5174\u8d77\u3002\u65e9\u57282010\u5e74\u4ee3\u521d\uff0c\u6211\u7b2c\u4e00\u6b21\u5f00\u59cb\u5206\u6790\u5e02\u573a\u8d8b\u52bf\u65f6\uff0c\u6295\u8d44\u4ecd\u7136\u4e3b\u8981\u88ab\u8001\u724c\u5238\u5546\u6240\u5360\u636e\uff0c\u6bcf\u7b14\u4ea4\u6613\u6536\u8d39\u9ad8\u8fbe$7-10\u3002\u540e\u6765\uff0c2013\u5e74\u51fa\u73b0\u4e86Robinhood\uff0c\u5b83\u627f\u8bfa\u514d\u4f63\u91d1\u4ea4\u6613\uff0c\u4f46\u754c\u9762\u770b\u8d77\u6765\u66f4\u50cfInstagram\uff0c\u800c\u4e0d\u662f\u5609\u4fe1\u7406\u8d22\u3002\u6700\u8ba9\u6211\u5370\u8c61\u6df1\u523b\u7684\u4e0d\u4ec5\u4ec5\u662f\u8d39\u7528\u7684\u53d6\u6d88\uff0c\u800c\u662f\u4ed6\u4eec\u5f7b\u5e95\u91cd\u5851\u4e86\u6295\u8d44\u8005\u7684\u5f62\u8c61\u3002\u6839\u636e\u6700\u8fd1\u7684\u7814\u7a76<a href=\"#ref-1\" class=\"reference-marker-inline-951\">1<\/a>\u6563\u6237\u6295\u8d44\u8005\u76ee\u524d\u7ea6\u5360\u6bcf\u65e5\u4ea4\u6613\u91cf\u768425%\uff0c\u800c\u5341\u5e74\u524d\u4ec5\u4e3a10%\u3002\u8fd9\u4e0d\u4ec5\u4ec5\u662f\u7edf\u8ba1\u4e0a\u7684\u589e\u957f\uff1b\u5b83\u4ee3\u8868\u7740\u7f8e\u56fd\u4eba\u4e0e\u91d1\u878d\u5e02\u573a\u4e92\u52a8\u65b9\u5f0f\u7684\u6839\u672c\u6027\u8f6c\u53d8\u3002\u6211\u4eec\u6b63\u5728\u89c1\u8bc1\u6295\u8d44\u7684\u6c11\u4e3b\u5316\uff0c\u4f46\u2014\u2014\u8fd9\u6b63\u662f\u6211\u611f\u5230\u6fc0\u52a8\u7684\u5730\u65b9\u2014\u2014\u6211\u4eec\u4e5f\u770b\u5230\u4e86\u4f20\u7edf\u91d1\u878d\u6559\u80b2\u4ece\u672a\u8ba9\u4eba\u4eec\u505a\u597d\u51c6\u5907\u7684\u65b0\u98ce\u9669\u7684\u51fa\u73b0\u3002\n<div class=\"country-fact-box-855\">\n<strong>\u4f60\u53ef\u77e5\u9053\uff1f<\/strong> \u622a\u81f3 2023 \u5e74\uff0c\u7f8e\u56fd\u62e5\u6709\u8d85\u8fc7 1.4 \u4ebf\u4e2a\u4e2a\u4eba\u7ecf\u7eaa\u8d26\u6237\uff0c\u7ea6\u6709 61% \u7684\u7f8e\u56fd\u6210\u5e74\u4eba\u76f4\u63a5\u6216\u901a\u8fc7\u9000\u4f11\u8d26\u6237\u62e5\u6709\u80a1\u7968\uff0c\u8fd9\u662f\u4e8c\u5341\u591a\u5e74\u6765\u7684\u6700\u9ad8\u6bd4\u4f8b\u3002\n<\/div>\n\u8fd9\u79cd\u8f6c\u53d8\u6700\u8ba9\u6211\u7740\u8ff7\u7684\u5730\u65b9\u5728\u4e8e\uff0c\u5b83\u53cd\u6620\u4e86\u7f8e\u56fd\u6587\u5316\u66f4\u5e7f\u6cdb\u7684\u53d8\u8fc1\u3002\u6211\u4eec\u5df2\u7ecf\u4ece\u4e00\u4e2a\u6295\u8d44\u9700\u8981\u5728\u5de5\u4f5c\u65f6\u95f4\u6253\u7535\u8bdd\u7ed9\u7ecf\u7eaa\u4eba\u7684\u4e16\u754c\uff0c\u8f6c\u53d8\u4e3a\u4e00\u4e2a\u4f60\u53ef\u4ee5\u5728\u7b49\u7740\u559d\u65e9\u5496\u5561\u7684\u65f6\u5019\u5c31\u80fd\u4e70\u5165\u4e9a\u9a6c\u900a\u96f6\u788e\u80a1\u7968\u7684\u4e16\u754c\u3002\u66fe\u7ecf\u963b\u788d\u4eba\u4eec\u8fdb\u5165\u5e02\u573a\u7684\u5fc3\u7406\u969c\u788d\u5df2\u57fa\u672c\u6d88\u5931\u3002\u4f46\u8ba9\u6211\u611f\u5230\u56f0\u60d1\u7684\u662f\uff1a\u8fd9\u79cd\u4fbf\u6377\u6027\u4e5f\u4f34\u968f\u7740\u8bb8\u591a\u65b0\u6295\u8d44\u8005\u6700\u521d\u5e76\u4e0d\u5b8c\u5168\u7406\u89e3\u7684\u4ee3\u4ef7\u3002\u6e38\u620f\u5316\u5143\u7d20\u3001\u5e02\u573a\u52a8\u6001\u63a8\u9001\u901a\u77e5\u3001\u793e\u4ea4\u5a92\u4f53\u6574\u5408\u2014\u2014\u8fd9\u4e9b\u529f\u80fd\u8ba9\u6295\u8d44\u66f4\u5177\u5438\u5f15\u529b\uff0c\u4f46\u4e5f\u66f4\u5bb9\u6613\u8ba9\u4eba\u4e0a\u763e\u3002\u6211\u770b\u5230\u8fc7\u4e00\u4e9b\u7cbe\u5f69\u7684\u521b\u65b0\uff0c\u4ee5\u53ca\u4e00\u4e9b\u4ee4\u4eba\u62c5\u5fe7\u7684\u884c\u4e3a\u5f15\u5bfc\u3002\n<h2 class=\"subheader-tier2-designation-924\" id=\"traditional-barriers\">\u6253\u7834\u4f20\u7edf\u58c1\u5792<\/h2>\n\u8ba9\u6211\u6765\u63cf\u7ed8\u4e00\u4e0b\u5e94\u7528\u7a0b\u5e8f\u9769\u547d\u4e4b\u524d\u7684\u6295\u8d44\u573a\u666f\u30022012\u5e74\uff0c\u5f00\u8bbe\u7ecf\u7eaa\u8d26\u6237\u610f\u5473\u7740\u7e41\u7410\u7684\u6587\u4e66\u5de5\u4f5c\u3001\u901a\u5e38\u8d85\u8fc71000\u82f1\u9551\u7684\u6700\u4f4e\u5165\u91d1\uff0c\u4ee5\u53ca\u4ea4\u6613\u8d39\u7528\uff0c\u8fd9\u4e9b\u8d39\u7528\u4f7f\u5f97\u5c0f\u989d\u6295\u8d44\u5728\u7ecf\u6d4e\u4e0a\u4e0d\u5207\u5b9e\u9645\u3002\u8d2d\u4e70150\u82f1\u9551\u7684\u80a1\u7968\uff0c\u52a0\u4e0a10\u82f1\u9551\u7684\u4f63\u91d1\uff0c\u610f\u5473\u7740\u4f60\u9700\u8981\u83b7\u5f972013\u82f1\u9551\u7684\u6536\u76ca\u624d\u80fd\u6536\u652f\u5e73\u8861\u3002\u5bf9\u4e8e\u9760\u5de5\u8d44\u751f\u6d3b\u7684\u5e74\u8f7b\u7f8e\u56fd\u4eba\u6765\u8bf4\uff0c\u6295\u8d44\u4f3c\u4e4e\u9065\u4e0d\u53ef\u53ca\u2014\u2014\u56e0\u4e3a\u57fa\u672c\u4e0a\u5c31\u662f\u8fd9\u6837\u3002\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover alignwide is-light has-parallax\"><div class=\"wp-block-cover__image-background wp-image-913 size-full has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-5-scaled.jpg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#c6bab0\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\">\nRobinhood \u7684\u521b\u59cb\u4eba Vladimir Tenev \u548c Baiju Bhatt \u610f\u8bc6\u5230\u4e86\u8fd9\u4e2a\u6839\u672c\u95ee\u9898\u3002\u4ed6\u4eec\u4ece\u4e8b\u9ad8\u9891\u4ea4\u6613\uff0c\u6df1\u77e5\u5238\u5546\u901a\u8fc7\u8ba2\u5355\u6d41\u4ed8\u8d39\u8d5a\u53d6\u5de8\u989d\u5229\u6da6\u2014\u2014\u672c\u8d28\u4e0a\u5c31\u662f\u505a\u5e02\u5546\u901a\u8fc7\u8def\u7531\u4ea4\u6613\u83b7\u5f97\u4f63\u91d1\u3002\u8fd9\u79cd\u6d1e\u5bdf\u6210\u4e3a\u4e86\u4ed6\u4eec\u7684\u7ade\u4e89\u4f18\u52bf\uff1a\u4ed6\u4eec\u53ef\u4ee5\u5728\u63d0\u4f9b\u514d\u4f63\u91d1\u4ea4\u6613\u7684\u540c\u65f6\u4ecd\u7136\u521b\u9020\u6536\u5165\u3002\n<div class=\"quote-block-premium-445\">\n\u201c\u6211\u4eec\u5e0c\u671b\u5b9e\u73b0\u91d1\u878d\u5e02\u573a\u51c6\u5165\u7684\u6c11\u4e3b\u5316\u3002\u6bcf\u4e2a\u4eba\u90fd\u5e94\u8be5\u80fd\u591f\u8fdb\u5165\u91d1\u878d\u5e02\u573a\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u5bcc\u4eba\u3002\u201d\n<footer>\u2014 Robinhood \u8054\u5408\u521b\u59cb\u4eba Vladimir Tenev<\/footer>\n<\/div>\n\u53d6\u6d88\u4ea4\u6613\u4f63\u91d1\u5f15\u53d1\u4e86\u6211\u6240\u8bf4\u7684\u201c\u96f6\u788e\u80a1\u7968\u9769\u547d\u201d\u3002\u7a81\u7136\u4e4b\u95f4\uff0c\u62e5\u6709$20\u7684\u4eba\u53ef\u4ee5\u901a\u8fc7\u96f6\u788e\u80a1\u7968\u6301\u6709\u4e9a\u9a6c\u900a\u6216\u8c37\u6b4c\u7b49\u9ad8\u4ef7\u80a1\u7968\u3002\u8fd9\u4e0d\u4ec5\u4ec5\u662f\u4ef7\u683c\u7684\u53d8\u5316\uff0c\u66f4\u662f\u4ece\u8d22\u5bcc\u4fdd\u503c\u6295\u8d44\u5230\u5927\u4f17\u8d22\u5bcc\u79ef\u7d2f\u6295\u8d44\u7684\u7406\u5ff5\u8f6c\u53d8\u3002\u4f20\u7edf\u5238\u5546\u6700\u521d\u5bf9\u8fd9\u79cd\u505a\u6cd5\u4e0d\u4ee5\u4e3a\u7136\u3002\u6211\u8bb0\u5f97\u53c2\u52a0\u8fc7\u4e00\u4e9b\u884c\u4e1a\u4f1a\u8bae\uff0c\u8001\u724c\u5238\u5546\u8ba4\u4e3a\u514d\u4f63\u91d1\u4ea4\u6613\u4e0d\u53ef\u6301\u7eed\u3002\u4ed6\u4eec\u5bf9\u7ecf\u6d4e\u6548\u76ca\u7684\u5224\u65ad\u90e8\u5206\u6b63\u786e\uff0c\u4f46\u5bf9\u6d88\u8d39\u8005\u9700\u6c42\u7684\u5224\u65ad\u5374\u5b8c\u5168\u9519\u8bef\u3002\u4e94\u5e74\u5185\uff0c\u51e0\u4e4e\u6240\u6709\u5927\u578b\u5238\u5546\u90fd\u53d6\u6d88\u4e86\u4f63\u91d1\uff0c\u4ee5\u53c2\u4e0e\u7ade\u4e89\u3002\n<div class=\"highlight-container-deluxe-778\">\n<h4 class=\"accent-header-bold-334\">\u5173\u952e\u969c\u788d\u6d88\u9664<\/h4>\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\">\u6700\u4f4e\u8d26\u6237\u4f59\u989d\uff08\u901a\u5e38\u4e3a $1,000+ \u51cf\u5c11\u81f3 $0\uff09<\/li>\n<li class=\"list-item-spaced-112\">\u4ea4\u6613\u4f63\u91d1\uff08\u6bcf\u7b14\u4ea4\u6613\u514d\u9664 $7-10\uff09<\/li>\n<li class=\"list-item-spaced-112\">\u590d\u6742\u7684\u5f00\u6237\u6d41\u7a0b\uff08\u7b80\u5316\u81f3\u51e0\u5206\u949f\uff09<\/li>\n<li class=\"list-item-spaced-112\">\u4ee4\u4eba\u751f\u754f\u7684\u4ea4\u6613\u754c\u9762\uff08\u9488\u5bf9\u79fb\u52a8\u4f18\u5148\u7528\u6237\u91cd\u65b0\u8bbe\u8ba1\uff09<\/li>\n<li class=\"list-item-spaced-112\">\u6709\u9650\u7684\u5e02\u573a\u51c6\u5165\uff08\u63d0\u4f9b\u5ef6\u957f\u4ea4\u6613\u65f6\u95f4\uff09<\/li>\n<\/ul>\n<\/div>\n\u4f46\u4e8b\u60c5\u5c31\u5728\u8fd9\u91cc\u53d8\u5f97\u6709\u8da3\u8d77\u6765\u2014\u2014\u4e5f\u662f\u6211\u591a\u5e74\u6765\u89c2\u70b9\u4e0d\u65ad\u6f14\u53d8\u7684\u5730\u65b9\u3002\u6d88\u9664\u969c\u788d\u672c\u8eab\u65e0\u6240\u8c13\u597d\u574f\uff0c\u5173\u952e\u5728\u4e8e\u7528\u4ec0\u4e48\u6765\u53d6\u4ee3\u8fd9\u4e9b\u969c\u788d\u3002\u4f20\u7edf\u5238\u5546\u5c3d\u7ba1\u5b58\u5728\u8bf8\u591a\u7f3a\u9677\uff0c\u4f46\u901a\u5e38\u8981\u6c42\u6295\u8d44\u8005\u4e0e\u80fd\u591f\u63d0\u4f9b\u80cc\u666f\u4fe1\u606f\u548c\u6559\u80b2\u7684\u4ee3\u8868\u6c9f\u901a\u3002\u800c\u65b0\u5e73\u53f0\u5219\u5c06\u7528\u6237\u4f53\u9a8c\u7f6e\u4e8e\u7528\u6237\u6559\u80b2\u4e4b\u4e0a\u3002\n<h3 class=\"subheader-tier3-designation-925\" id=\"demographic-shift\">\u65b0\u4e00\u6ce2\u6295\u8d44\u8005<\/h3>\n\u4eba\u53e3\u7ed3\u6784\u7684\u53d8\u5316\u4ee4\u4eba\u77a9\u76ee\u3002\u7f8e\u8054\u50a8\u6570\u636e<a href=\"#ref-2\" class=\"reference-marker-inline-951\">2<\/a> \u6570\u636e\u663e\u793a\uff0c35\u5c81\u4ee5\u4e0b\u6210\u5e74\u4eba\u7684\u80a1\u7968\u6301\u6709\u91cf\u4ece2016\u5e74\u768437%\u589e\u957f\u52302022\u5e74\u768456%\u3002\u8fd9\u4e0d\u4ec5\u4ec5\u662f\u5e74\u8f7b\u4eba\u5728\u8fdb\u884c\u5c0f\u989d\u6295\u8d44\u2014\u2014\u8bb8\u591a\u4eba\u6b63\u5728\u8fdb\u884c\u5c06\u5f71\u54cd\u4ed6\u4eec\u8d22\u52a1\u672a\u6765\u7684\u5927\u89c4\u6a21\u6295\u8d44\u3002\u6700\u8ba9\u6211\u60ca\u8bb6\u7684\u662f\u65b0\u6295\u8d44\u8005\u7684\u591a\u6837\u6027\u3002\u5973\u6027\u3001\u5c11\u6570\u65cf\u88d4\u548c\u4f4e\u6536\u5165\u7f8e\u56fd\u4eba\u4ee5\u524d\u6240\u672a\u6709\u7684\u901f\u5ea6\u8fdb\u5165\u5e02\u573a\u3002\u6839\u636eRobinhood\u81ea\u5df1\u7684\u6570\u636e<a href=\"#ref-3\" class=\"reference-marker-inline-951\">3<\/a>\uff0c\u5176\u5ba2\u6237\u4e2d\u7ea6\u6709 50% \u5c5e\u4e8e\u5c11\u6570\u65cf\u88d4\uff0c\u800c\u4f20\u7edf\u7ecf\u7eaa\u516c\u53f8\u7684\u8fd9\u4e00\u6bd4\u4f8b\u7ea6\u4e3a 20%\u3002\n<table class=\"data-table-professional-667\">\n<tr class=\"table-row-alternating-556\">\n<th class=\"table-header-cell-223\">\u4eba\u53e3\u7edf\u8ba1\u7ec4<\/th>\n<th class=\"table-header-cell-223\">\u4f20\u7edf\u7ecf\u7eaa\u516c\u53f8\uff082015\u5e74\uff09<\/th>\n<th class=\"table-header-cell-223\">\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684\u5e73\u53f0\uff082022\u5e74\uff09<\/th>\n<th class=\"table-header-cell-223\">\u6539\u53d8<\/th>\n<\/tr>\n<tr class=\"table-row-alternating-556\">\n<td class=\"table-data-cell-224\">18-35\u5c81<\/td>\n<td class=\"table-data-cell-224\">23%<\/td>\n<td class=\"table-data-cell-224\">57%<\/td>\n<td class=\"table-data-cell-224\">+34%<\/td>\n<\/tr>\n<tr class=\"table-row-alternating-556\">\n<td class=\"table-data-cell-224\">\u5973\u6027<\/td>\n<td class=\"table-data-cell-224\">35%<\/td>\n<td class=\"table-data-cell-224\">48%<\/td>\n<td class=\"table-data-cell-224\">+13%<\/td>\n<\/tr>\n<tr class=\"table-row-alternating-556\">\n<td class=\"table-data-cell-224\">\u5bb6\u5ead\u6536\u5165\u4f4e\u4e8e $50K<\/td>\n<td class=\"table-data-cell-224\">12%<\/td>\n<td class=\"table-data-cell-224\">31%<\/td>\n<td class=\"table-data-cell-224\">+19%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-scaled.jpg\" alt=\"\" class=\"wp-image-912\" srcset=\"https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-scaled.jpg 1707w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-200x300.jpg 200w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-683x1024.jpg 683w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-768x1152.jpg 768w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-1024x1536.jpg 1024w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-1365x2048.jpg 1365w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-8x12.jpg 8w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-4-2000x3000.jpg 2000w\" sizes=\"(max-width: 1707px) 100vw, 1707px\" \/><figcaption class=\"wp-element-caption\">\u5e26\u6807\u9898\u7684\u7b80\u5355\u56fe\u7247<\/figcaption><\/figure>\n\n\n\n<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\">\n<h2 class=\"subheader-tier2-designation-924\" id=\"technology-impact\">\u6280\u672f\u7684\u53d8\u9769\u4f5c\u7528<\/h2>\n\u8fd9\u573a\u9769\u547d\u80cc\u540e\u7684\u6280\u672f\u8fdc\u4e0d\u6b62\u7b80\u5355\u7684\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u3002\u673a\u5668\u5b66\u4e60\u7b97\u6cd5\u5982\u4eca\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u6295\u8d44\u5efa\u8bae\uff0c\u4eba\u5de5\u667a\u80fd\u8d4b\u80fd\u673a\u5668\u4eba\u987e\u95ee\uff0c\u793e\u4ea4\u529f\u80fd\u5219\u8ba9\u6295\u8d44\u8005\u80fd\u591f\u4e92\u76f8\u8ffd\u8e2a\u4ea4\u6613\u3002\u8fd9\u521b\u9020\u4e86\u4e00\u4e2a\u6bd4\u6211\u4eec\u4ee5\u5f80\u89c1\u8fc7\u7684\u4efb\u4f55\u4e8b\u7269\u90fd\u66f4\u590d\u6742\u3001\u66f4\u6613\u4e8e\u8bbf\u95ee\u7684\u751f\u6001\u7cfb\u7edf\u3002\u6211\u5bf9\u793e\u4ea4\u6295\u8d44\u529f\u80fd\u5c24\u5176\u7740\u8ff7\u3002\u50cfeToro\u8fd9\u6837\u7684\u5e73\u53f0\u7387\u5148\u63a8\u51fa\u4e86\u8ddf\u5355\u4ea4\u6613\uff0c\u800cRobinhood\u5219\u63a8\u51fa\u4e86\u793e\u4ea4\u4fe1\u606f\u6d41\uff0c\u5411\u7528\u6237\u5c55\u793a\u70ed\u95e8\u80a1\u7968\u3002\u8fd9\u79cd\u793e\u4ea4\u5143\u7d20\u4f7f\u5e02\u573a\u60c5\u62a5\u66f4\u52a0\u6c11\u4e3b\u5316\uff0c\u4f46\u4e5f\u5e26\u6765\u4e86\u7f8a\u7fa4\u6548\u5e94\u548c\u201c\u5bb3\u6015\u9519\u8fc7\u201d\uff08FOMO\uff09\u9a71\u52a8\u578b\u6295\u8d44\u7684\u65b0\u98ce\u9669\u3002\n<div class=\"quote-block-premium-445\">\n\u201c\u96f6\u4f63\u91d1\u3001\u96f6\u788e\u80a1\u7968\u548c\u793e\u4ea4\u529f\u80fd\u7684\u7ed3\u5408\uff0c\u4e3a\u6563\u6237\u6295\u8d44\u8005\u7684\u53c2\u4e0e\u521b\u9020\u4e86\u4e00\u573a\u5b8c\u7f8e\u7684\u98ce\u66b4\u3002\u6211\u4eec\u4ece\u672a\u5728\u91d1\u878d\u5e02\u573a\u4e0a\u89c1\u8fc7\u8fd9\u6837\u7684\u60c5\u51b5\u3002\u201d\n<footer>\u2014 Brad Katsuyama\uff0cIEX \u96c6\u56e2\u9996\u5e2d\u6267\u884c\u5b98<\/footer>\n<\/div>\n\u6e38\u620f\u5316\u65b9\u9762\u503c\u5f97\u7279\u522b\u5173\u6ce8\u3002\u63a8\u9001\u6295\u8d44\u7ec4\u5408\u8868\u73b0\u901a\u77e5\u3001\u6bcf\u65e5\u767b\u5f55\u6b21\u6570\u8ba1\u6570\u5668\u4ee5\u53ca\u4ea4\u6613\u5e86\u795d\u52a8\u753b\u2014\u2014\u8fd9\u4e9b\u529f\u80fd\u8ba9\u6295\u8d44\u611f\u89c9\u66f4\u50cf\u662f\u5728\u73a9\u624b\u673a\u6e38\u620f\uff0c\u800c\u4e0d\u662f\u7ba1\u7406\u91d1\u878d\u8d44\u4ea7\u3002\u4ece\u7528\u6237\u53c2\u4e0e\u5ea6\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u5b83\u4eec\u975e\u5e38\u6709\u6548\u3002\u4f46\u4ece\u8d22\u52a1\u5065\u5eb7\u7684\u89d2\u5ea6\u6765\u770b\uff1f\u6211\u5bf9\u6b64\u767e\u611f\u4ea4\u96c6\u3002\u4e0d\u53ef\u5426\u8ba4\u7684\u662f\uff0c\u79d1\u6280\u8fdb\u6b65\u5bf9\u6559\u80b2\u7684\u5f71\u54cd\u3002\u901a\u8fc7\u5e94\u7528\u7a0b\u5e8f\u63d0\u4f9b\u7684\u4ea4\u4e92\u5f0f\u56fe\u8868\u3001\u5b9e\u65f6\u5e02\u573a\u6570\u636e\u548c\u6559\u80b2\u5185\u5bb9\uff0c\u8ba9\u91d1\u878d\u77e5\u8bc6\u66f4\u5bb9\u6613\u666e\u53ca\u3002\u8bb8\u591a\u65b0\u6295\u8d44\u8005\u901a\u8fc7\u6295\u8d44\u5e94\u7528\u7a0b\u5e8f\u5b66\u4e60\u5e02\u503c\u3001\u5e02\u76c8\u7387\u548c\u591a\u5143\u5316\u7b49\u6982\u5ff5\u2014\u2014\u8fd9\u4e9b\u77e5\u8bc6\u4ee5\u524d\u4ec5\u9650\u4e8e\u91d1\u878d\u6559\u79d1\u4e66\u548c\u6602\u8d35\u7684\u8bfe\u7a0b\u3002\n<div class=\"highlight-container-deluxe-778\">\n<h4 class=\"accent-header-bold-334\">\u6280\u672f\u9a71\u52a8\u7684\u53d8\u9769<\/h4>\n<ol class=\"list-ordered-custom-889\">\n<li class=\"list-item-spaced-112\">\u6240\u6709\u6295\u8d44\u8005\u5747\u53ef\u83b7\u5f97\u5b9e\u65f6\u5e02\u573a\u6570\u636e<\/li>\n<li class=\"list-item-spaced-112\">\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684\u6295\u8d44\u5efa\u8bae<\/li>\n<li class=\"list-item-spaced-112\">\u793e\u4ea4\u6295\u8d44\u548c\u590d\u5236\u4ea4\u6613\u529f\u80fd<\/li>\n<li class=\"list-item-spaced-112\">\u6e38\u620f\u5316\u5143\u7d20\u63d0\u9ad8\u7528\u6237\u53c2\u4e0e\u5ea6<\/li>\n<li class=\"list-item-spaced-112\">\u4ea4\u6613\u5e73\u53f0\u6574\u5408\u6559\u80b2\u5185\u5bb9<\/li>\n<\/ol>\n<\/div>\n<h3 class=\"subheader-tier3-designation-925\" id=\"market-consequences\">\u5bf9\u6574\u4e2a\u5e02\u573a\u7684\u5f71\u54cd<\/h3>\n\u6563\u6237\u6295\u8d44\u8005\u7684\u5d1b\u8d77\u5728\u6574\u4e2a\u91d1\u878d\u5e02\u573a\u4ea7\u751f\u4e86\u8fde\u9501\u53cd\u5e94\uff0c\u6211\u4eec\u4ecd\u5728\u7406\u89e3\u5176\u4e2d\u7684\u5965\u79d8\u3002\u6700\u660e\u663e\u7684\u5f71\u54cd\u662f2021\u5e74\u7684\u201c\u8868\u60c5\u5305\u80a1\u7968\u201d\u73b0\u8c61\uff0c\u5f53\u65f6\u6563\u6237\u6295\u8d44\u8005\u901a\u8fc7\u793e\u4ea4\u5a92\u4f53\u534f\u540c\u884c\u52a8\uff0c\u63a8\u52a8\u4e86GameStop\u548cAMC\u7b49\u80a1\u7968\u7684\u5927\u5e45\u6ce2\u52a8\u3002\u6211\u4eb2\u773c\u76ee\u7779\u4e86\u8fd9\u4e00\u5207\uff0c\u5766\u767d\u8bf4\uff0c\u5b83\u6311\u6218\u4e86\u8bb8\u591a\u5173\u4e8e\u5e02\u573a\u6548\u7387\u548c\u4ef7\u683c\u53d1\u73b0\u7684\u5047\u8bbe\u3002\u4f20\u7edf\u7684\u91d1\u878d\u6a21\u578b\u65e0\u6cd5\u89e3\u91ca\u6570\u767e\u4e07\u6563\u6237\u6295\u8d44\u8005\u57fa\u4e8e\u793e\u4ea4\u5a92\u4f53\u5e16\u5b50\u800c\u975e\u57fa\u672c\u9762\u5206\u6790\u505a\u51fa\u7684\u534f\u540c\u51b3\u7b56\u3002\u8fd9\u5e76\u975e\u5b8c\u5168\u4e0d\u5408\u7406\u2014\u2014\u5173\u4e8e\u7a7a\u5934\u6324\u538b\u673a\u5236\u7684\u8bba\u636e\u4e5f\u6210\u7acb\u2014\u2014\u4f46\u5b83\u4ee3\u8868\u4e86\u4e00\u79cd\u65b0\u7684\u5e02\u573a\u884c\u4e3a\u5f62\u5f0f\u3002\u67d0\u4e9b\u884c\u4e1a\u7684\u5e02\u573a\u6ce2\u52a8\u6027\u6709\u6240\u52a0\u5267\uff0c\u5c24\u5176\u662f\u5728\u6563\u6237\u6295\u8d44\u8005\u9752\u7750\u7684\u80a1\u7968\u4e2d\u3002<a href=\"#ref-4\" class=\"reference-marker-inline-951\">4<\/a>\u671f\u6743\u4ea4\u6613\u91cf\u6fc0\u589e\uff0c\u6563\u6237\u6295\u8d44\u8005\u7684\u671f\u6743\u4ea4\u6613\u91cf\u5982\u4eca\u5df2\u8d85\u8fc7 25%\uff0c\u800c\u5341\u5e74\u524d\u8fd8\u4e0d\u5230 10%\u3002\u8fd9\u79cd\u8f6c\u53d8\u5bf9\u505a\u5e02\u5546\u3001\u673a\u6784\u6295\u8d44\u8005\u548c\u6574\u4f53\u5e02\u573a\u7a33\u5b9a\u6027\u90fd\u4ea7\u751f\u4e86\u5f71\u54cd\u3002\u4f46\u4e5f\u6709\u79ef\u6781\u7684\u4e00\u9762\u3002\u6563\u6237\u53c2\u4e0e\u5ea6\u7684\u63d0\u9ad8\u4e3a\u5e02\u573a\u63d0\u4f9b\u4e86\u66f4\u591a\u6d41\u52a8\u6027\uff0c\u6709\u53ef\u80fd\u964d\u4f4e\u4ef7\u5dee\uff0c\u5e76\u6539\u5584\u8bb8\u591a\u8bc1\u5238\u7684\u4ef7\u683c\u53d1\u73b0\u3002IPO \u6d41\u7a0b\u5df2\u4e0d\u65ad\u6539\u8fdb\uff0c\u4ee5\u9002\u5e94\u6563\u6237\u6295\u8d44\u8005\u7684\u9700\u6c42\uff0c\u516c\u53f8\u5728\u6c9f\u901a\u4e2d\u4e5f\u8d8a\u6765\u8d8a\u591a\u5730\u8003\u8651\u6563\u6237\u80a1\u4e1c\u7684\u60c5\u7eea\u3002\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover alignfull has-parallax is-light\"><div class=\"wp-block-cover__image-background wp-image-911 size-large has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-3-683x1024.jpg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#827570\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\">\n<h2 class=\"subheader-tier2-designation-924\" id=\"future-outlook\">\u5c55\u671b\u672a\u6765\uff1a\u8fdb\u5316\u4ecd\u5728\u7ee7\u7eed<\/h2>\n\u6211\u4eec\u8be5\u4f55\u53bb\u4f55\u4ece\uff1f\u6563\u6237\u6295\u8d44\u9769\u547d\u8fdc\u672a\u7ed3\u675f\u3002\u52a0\u5bc6\u8d27\u5e01\u6574\u5408\u3001\u56fd\u9645\u5e02\u573a\u51c6\u5165\u548c\u53e6\u7c7b\u6295\u8d44\u6b63\u5728\u6210\u4e3a\u6807\u914d\u3002\u6211\u9884\u8ba1\uff0c\u6211\u4eec\u5c06\u5728\u81ea\u52a8\u7a0e\u52a1\u4f18\u5316\u3001ESG\u6295\u8d44\u548c\u4e2a\u6027\u5316\u8d22\u52a1\u89c4\u5212\u7b49\u9886\u57df\u770b\u5230\u6301\u7eed\u521b\u65b0\u3002\u76d1\u7ba1\u683c\u5c40\u4e5f\u5728\u4e0d\u65ad\u53d1\u5c55\u3002\u7f8e\u56fd\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a(SEC)\u52a0\u5f3a\u4e86\u5bf9\u8ba2\u5355\u6d41\u652f\u4ed8\u3001\u6e38\u620f\u5316\u529f\u80fd\u4ee5\u53ca\u793e\u4ea4\u5a92\u4f53\u5bf9\u6295\u8d44\u51b3\u7b56\u5f71\u54cd\u7684\u5ba1\u67e5\u3002<a href=\"#ref-5\" class=\"reference-marker-inline-951\">5<\/a>\u8fd9\u4e9b\u76d1\u7ba1\u53d8\u5316\u53ef\u80fd\u4f1a\u5f71\u54cd\u6563\u6237\u6295\u8d44\u5e73\u53f0\u53d1\u5c55\u7684\u4e0b\u4e00\u9636\u6bb5\u3002\n<div class=\"quote-block-premium-445\">\n\u6211\u4eec\u6b63\u5904\u4e8e\u91d1\u878d\u6c11\u4e3b\u5316\u7684\u521d\u671f\u3002\u672a\u6765\u5341\u5e74\uff0c\u4e2a\u4eba\u6295\u8d44\u8005\u5c06\u8fce\u6765\u66f4\u52a0\u590d\u6742\u7684\u5de5\u5177\uff0c\u4f46\u6211\u4eec\u9700\u8981\u5728\u521b\u65b0\u4e0e\u6295\u8d44\u8005\u4fdd\u62a4\u4e4b\u95f4\u53d6\u5f97\u5e73\u8861\u3002\n<footer>\u2014 SEC \u59d4\u5458 Caroline Crenshaw<\/footer>\n<\/div>\n\u6211\u62c5\u5fc3\u7684\u662f\u2014\u2014\u8fd9\u6e90\u4e8e\u6211\u591a\u5e74\u6765\u5bf9\u5e02\u573a\u5468\u671f\u7684\u89c2\u5bdf\u2014\u2014\u5e02\u573a\u53ef\u80fd\u51fa\u73b0\u5927\u5e45\u4e0b\u6ed1\uff0c\u4ece\u800c\u8003\u9a8c\u8fd9\u6279\u65b0\u6295\u8d44\u8005\u7fa4\u4f53\u7684\u97e7\u6027\u3002\u8bb8\u591a\u76ee\u524d\u7684\u6563\u6237\u6295\u8d44\u8005\u53ea\u7ecf\u5386\u8fc7\u725b\u5e02\u3002\u4ed6\u4eec\u5bf9\u957f\u671f\u718a\u5e02\u7684\u53cd\u5e94\u5c06\u6781\u5927\u5730\u5f71\u54cd\u6c11\u4e3b\u5316\u6295\u8d44\u7684\u672a\u6765\u3002\u4e0d\u8fc7\uff0c\u79ef\u6781\u7684\u8d8b\u52bf\u4ee4\u4eba\u9f13\u821e\u3002\u91d1\u878d\u77e5\u8bc6\u6c34\u5e73\u6b63\u5728\u63d0\u9ad8\uff0c\u591a\u5143\u5316\u6295\u8d44\u65e5\u76ca\u666e\u53ca\uff0c\u957f\u671f\u6295\u8d44\u7b56\u7565\u5728\u5e74\u8f7b\u6295\u8d44\u8005\u4e2d\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002\u4e2a\u4eba\u53ef\u4ee5\u901a\u8fc7\u81ea\u5f8b\u3001\u660e\u667a\u7684\u6295\u8d44\u79ef\u7d2f\u5927\u91cf\u8d22\u5bcc\u3002\n<div class=\"highlight-container-deluxe-778\">\n<h4 class=\"accent-header-bold-334\">\u672a\u6765\u6295\u8d44\u8005\u7684\u5173\u952e\u8981\u70b9<\/h4>\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\">\u6ce8\u91cd\u957f\u671f\u8d22\u5bcc\u79ef\u7d2f\u800c\u975e\u77ed\u671f\u4ea4\u6613<\/li>\n<li class=\"list-item-spaced-112\">\u8de8\u8d44\u4ea7\u7c7b\u522b\u548c\u5355\u4e2a\u8bc1\u5238\u5b9e\u73b0\u591a\u5143\u5316<\/li>\n<li class=\"list-item-spaced-112\">\u4e86\u89e3\u6e38\u620f\u5316\u6295\u8d44\u529f\u80fd\u7684\u98ce\u9669<\/li>\n<li class=\"list-item-spaced-112\">\u7ee7\u7eed\u5b66\u4e60\u57fa\u672c\u9762\u5206\u6790\u548c\u5e02\u573a\u5468\u671f<\/li>\n<li class=\"list-item-spaced-112\">\u5c06\u6280\u672f\u7528\u4f5c\u5de5\u5177\uff0c\u800c\u4e0d\u662f\u8d22\u52a1\u89c4\u5212\u7684\u66ff\u4ee3\u54c1<\/li>\n<\/ul>\n<\/div>\n\u6295\u8d44\u6c11\u4e3b\u5316\u4ee3\u8868\u7740\u6211\u4eec\u8fd9\u4e2a\u65f6\u4ee3\u6700\u91cd\u8981\u7684\u91d1\u878d\u53d1\u5c55\u4e4b\u4e00\u3002\u50cf Robinhood \u8fd9\u6837\u7684\u5e94\u7528\u7a0b\u5e8f\u4e0d\u4ec5\u6539\u53d8\u4e86\u6211\u4eec\u7684\u4ea4\u6613\u65b9\u5f0f\uff0c\u4e5f\u6539\u53d8\u4e86\u8c01\u53ef\u4ee5\u53c2\u4e0e\u91d1\u878d\u5e02\u573a\u7684\u8d22\u5bcc\u521b\u9020\u3002\u8fd9\u5bf9\u7f8e\u56fd\u7684\u7ecf\u6d4e\u6d41\u52a8\u6027\u6709\u7740\u6839\u672c\u6027\u7684\u79ef\u6781\u5f71\u54cd\uff0c\u5c3d\u7ba1\u5b83\u4e5f\u5e26\u6765\u4e86\u65b0\u7684\u6311\u6218\u548c\u98ce\u9669\u3002\u5c55\u671b\u672a\u6765\uff0c\u6211\u5bf9\u5176\u957f\u671f\u5f71\u54cd\u6301\u4e50\u89c2\u6001\u5ea6\u3002\u66f4\u5b8c\u5584\u7684\u5de5\u5177\u3001\u66f4\u5e7f\u9614\u7684\u6e20\u9053\u4ee5\u53ca\u5e74\u8f7b\u4e00\u4ee3\u4e0d\u65ad\u63d0\u5347\u7684\u91d1\u878d\u7d20\u517b\uff0c\u4e3a\u66f4\u591a\u7f8e\u56fd\u4eba\u901a\u8fc7\u6295\u8d44\u521b\u9020\u8d22\u5bcc\u521b\u9020\u4e86\u6761\u4ef6\u3002\u5173\u952e\u5728\u4e8e\u786e\u4fdd\u6c11\u4e3b\u5316\u4e0d\u4f1a\u4ee5\u727a\u7272\u6295\u8d44\u8005\u4fdd\u62a4\u548c\u91d1\u878d\u7a33\u5b9a\u4e3a\u4ee3\u4ef7\u3002\n<div class=\"social-engagement-panel-477\">\n<p><strong>\u60a8\u5bf9\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684\u6295\u8d44\u6709\u4f55\u7ecf\u9a8c\uff1f<\/strong> \u8fd9\u4e9b\u5e73\u53f0\u662f\u5426\u6539\u53d8\u4e86\u60a8\u5bf9\u8d22\u5bcc\u79ef\u7d2f\u7684\u770b\u6cd5\uff1f\u6b22\u8fce\u4e0e\u6211\u4eec\u7684\u793e\u533a\u5206\u4eab\u60a8\u7684\u60f3\u6cd5\u548c\u7ecf\u9a8c\u3002<\/p>\n<\/div>\n\u6563\u6237\u6295\u8d44\u9769\u547d\u4ecd\u5728\u6301\u7eed\u5c55\u5f00\u3002\u4f5c\u4e3a\u4ece\u4e00\u5f00\u59cb\u5c31\u89c1\u8bc1\u5176\u53d1\u5c55\u7684\u4eba\uff0c\u6211\u76f8\u4fe1\u6211\u4eec\u6b63\u5728\u89c1\u8bc1\u7f8e\u56fd\u4eba\u4e0e\u91d1\u878d\u5e02\u573a\u4e92\u52a8\u65b9\u5f0f\u7684\u6c38\u4e45\u6027\u8f6c\u53d8\u2014\u2014\u8fd9\u5c06\u5bf9\u672a\u6765\u51e0\u4ee3\u4eba\u7684\u8d22\u5bcc\u79ef\u7d2f\u548c\u7ecf\u6d4e\u53c2\u4e0e\u4ea7\u751f\u79ef\u6781\u5f71\u54cd\u3002\n<div class=\"references-section-container-952\">\n<h3 class=\"references-section-header-953\">\u53c2\u8003<\/h3>\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">1<\/span>\n<a href=\"https:\/\/www.federalreserve.gov\/econres\/scfindex.htm\" class=\"reference-link-styled-956\">\u7f8e\u8054\u50a8\u59d4\u5458\u4f1a\u3002\u201c\u6d88\u8d39\u8005\u8d22\u52a1\u8c03\u67e5\u201d\u3002\u7f8e\u8054\u50a8\u7ecf\u6d4e\u6570\u636e<\/a>\n<span class=\"reference-source-type-957\">\u653f\u5e9c\u6570\u636e<\/span>\n<\/div>\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">2<\/span>\n<a href=\"https:\/\/www.federalreserve.gov\/publications\/2022-economic-well-being-of-us-households-in-2021-banking-and-credit.htm\" class=\"reference-link-styled-956\">\u7f8e\u8054\u50a8\u3002\u201c2021\u5e74\u7f8e\u56fd\u5bb6\u5ead\u7ecf\u6d4e\u72b6\u51b5\u3002\u201d \u7f8e\u8054\u50a8\u7406\u4e8b\u4f1a<\/a>\n<span class=\"reference-source-type-957\">\u653f\u5e9c\u62a5\u544a<\/span>\n<\/div>\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">3<\/span>\n<a href=\"https:\/\/blog.robinhood.com\/news\/2021\/3\/2\/robinhood-demographics-and-the-future-of-investing\" class=\"reference-link-styled-956\">Robinhood\u3002\u201cRobinhood \u7684\u4eba\u53e3\u7ed3\u6784\u4e0e\u6295\u8d44\u7684\u672a\u6765\u3002\u201d Robinhood \u535a\u5ba2<\/a>\n<span class=\"reference-source-type-957\">\u884c\u4e1a\u62a5\u544a<\/span>\n<\/div>\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">4<\/span>\n<a href=\"https:\/\/www.sec.gov\/news\/statement\/peirce-gamestop-2021-02-12\" class=\"reference-link-styled-956\">\u7f8e\u56fd\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\u3002\u201c\u5173\u4e8e GameStop \u4ea4\u6613\u7684\u58f0\u660e\u3002\u201dSEC.gov<\/a>\n<span class=\"reference-source-type-957\">\u76d1\u7ba1\u58f0\u660e<\/span>\n<\/div>\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">5<\/span>\n<a href=\"https:\/\/www.sec.gov\/news\/press-release\/2021-202\" class=\"reference-link-styled-956\">SEC\u3002\u201cSEC\u5ba3\u5e032021\u8d22\u5e74\u6267\u6cd5\u7ed3\u679c\u3002\u201d\u7f8e\u56fd\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a<\/a>\n<span class=\"reference-source-type-957\">\u653f\u5e9c\u65b0\u95fb\u7a3f<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image alignfull size-full\"><img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-scaled.jpg\" alt=\"\" class=\"wp-image-910\" srcset=\"https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-scaled.jpg 2560w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-300x200.jpg 300w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-1024x683.jpg 1024w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-768x512.jpg 768w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-1536x1024.jpg 1536w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-2048x1365.jpg 2048w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-18x12.jpg 18w, https:\/\/doinamerica.com\/wp-content\/uploads\/2025\/07\/apps-2-2000x1333.jpg 2000w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Robinhood \u5982\u4f55\u5f7b\u5e95\u6539\u53d8\u7f8e\u56fd\u7684\u96f6\u552e\u6295\u8d44\u65b9\u5f0f \u6587\u7ae0\u5bfc\u822a \u6253\u7834\u4f20\u7edf\u58c1\u5792 \u65b0\u4e00\u6ce2\u6295\u8d44\u8005 \u79d1\u6280\u7684\u53d8\u9769\u6027\u4f5c\u7528 \u5bf9\u6574\u4e2a\u5e02\u573a\u7684\u5f71\u54cd \u5c55\u671b\u672a\u6765 2020 \u5e74\u53d1\u751f\u4e86\u4e00\u4e9b\u975e\u540c\u5bfb\u5e38\u7684\u4e8b\u60c5\u3002\u5f53\u4f20\u7edf\u91d1\u878d\u673a\u6784\u5fd9\u4e8e\u9002\u5e94\u4e0d\u65ad\u53d8\u5316\u7684\u4e16\u754c\u65f6\uff0c\u6570\u767e\u4e07\u7f8e\u56fd\u4eba\uff08\u5176\u4e2d\u8bb8\u591a\u4eba\u4e4b\u524d\u4ece\u672a\u62e5\u6709\u8fc7\u80a1\u7968\uff09\u5f00\u59cb [\u2026]<\/p>","protected":false},"author":3,"featured_media":914,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":4,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[242,269],"tags":[623,625,565,566,549,286,626,207],"class_list":["post-908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology","category-united-states","tag-digital","tag-finance","tag-invest","tag-money","tag-technology","tag-travel","tag-united-states","tag-usa"],"_genesis_description":"","_links":{"self":[{"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/posts\/908","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/comments?post=908"}],"version-history":[{"count":2,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/posts\/908\/revisions"}],"predecessor-version":[{"id":932,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/posts\/908\/revisions\/932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/media\/914"}],"wp:attachment":[{"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/media?parent=908"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/categories?post=908"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/doinamerica.com\/zh\/wp-json\/wp\/v2\/tags?post=908"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}