{"id":59590,"date":"2018-06-01T10:56:56","date_gmt":"2018-06-01T02:56:56","guid":{"rendered":"http:\/\/uxren.cn\/?p=59590"},"modified":"2019-02-13T14:42:06","modified_gmt":"2019-02-13T06:42:06","slug":"%e8%ae%be%e8%ae%a1%e9%87%8d%e6%96%b0%e5%ae%9a%e4%b9%89%e9%93%b6%e8%a1%8c%e8%bd%ac%e5%9e%8b","status":"publish","type":"post","link":"https:\/\/www.uxren.cn\/?p=59590","title":{"rendered":"\u201c\u8bbe\u8ba1\u201d\u91cd\u65b0\u5b9a\u4e49\u94f6\u884c\u8f6c\u578b"},"content":{"rendered":"<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-59594\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-00.jpg\" alt=\"\" width=\"800\" height=\"449\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-00.jpg 800w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-00-300x168.jpg 300w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-00-768x431.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>\u4f5c\u8005\uff1a\u6731\u6653\u9752<\/p>\n<p>&nbsp;<\/p>\n<p>\u8fd1\u5e74\u6765\uff0c\u9762\u5bf9\u6fc0\u70c8\u7684\u7ade\u4e89\u683c\u5c40\uff0c\u56fd\u5185\u94f6\u884c\u90fd\u5728\u63a2\u7d22\u201c\u8f6c\u578b\u201d\u4e4b\u8def\u3002\u653e\u773c\u6d77\u5916\uff0c\u9886\u5148\u7684\u540c\u4e1a\u673a\u6784\u6b63\u5728\u901a\u8fc7\u201c\u8bbe\u8ba1\u201d\u9a71\u52a8\u672a\u6765\uff0c\u6539\u53d8\u6e38\u620f\u89c4\u5219\uff0c\u98a0\u8986\u9648\u65e7\u6a21\u5f0f\u3002\u5728\u7eb7\u7eb7\u9ad8\u547c\u201c\u79d1\u6280\u8f6c\u578b\u201d\u7684\u5f53\u4e0b\uff0c\u6b8a\u4e0d\u77e5\uff0c\u5728\u963f\u91cc\u5df4\u5df4\u3001\u817e\u8baf\u3001Facebook\u3001Google\u7b49\u79d1\u6280\u540d\u4f01\u7684\u80cc\u540e\u90fd\u79bb\u4e0d\u5f00\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u7684\u8fd0\u7528\u3002\u4ea7\u54c1\u670d\u52a1\u3001\u6570\u5b57\u4ea4\u4e92\u3001\u5546\u4e1a\u6a21\u5f0f\u3001\u5ba2\u6237\u4f53\u9a8c\u3001\u7ec4\u7ec7\u67b6\u6784\uff0c\u751a\u81f3\u8fde\u521b\u65b0\u672c\u8eab\u90fd\u53ef\u4ee5\u88ab\u201c\u8bbe\u8ba1\u201d\u3002\u6b63\u5982\u5168\u7403\u9996\u5bb6\u670d\u52a1\u8bbe\u8ba1\u673a\u6784livework\u7684\u5ba3\u8a00\u2014\u2014When we say DESIGN, we mean BUSINESS\uff0c\u201c\u8bbe\u8ba1\u201d\u5df2\u7136\u6210\u4e3a\u4e00\u80a1\u65b0\u52bf\u529b\uff0c\u8d4b\u80fd\u94f6\u884c\u8fbe\u6210\u5546\u4e1a\u76ee\u6807\u548c\u53d8\u9769\u8f6c\u578b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #3366ff;\"><strong>\u201c\u8bbe\u8ba1\u201d\u7684\u5b9a\u4e49<\/strong><\/span><\/h4>\n<p>\u8981\u8bf4\u4ec0\u4e48\u662f\u201c\u8bbe\u8ba1\u201d\uff0c\u9996\u5148\u6765\u4e86\u89e3\u4e24\u4e2a\u8bcd\u6c47\uff0c\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u4e0e\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u3002<\/p>\n<p>\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u6e90\u81ea\u4e8e\u7f8e\u56fd\u7845\u8c37\uff0c\u6700\u65e9\u7531\u5168\u7403\u77e5\u540d\u521b\u65b0\u54a8\u8be2\u673a\u6784IDEO\u63d0\u51fa\uff0c\u540e\u7ecf\u65af\u5766\u798f\u5927\u5b66\u6574\u7406\u5f52\u7eb3\u6210\u4e00\u5957\u7cfb\u7edf\u7684\u79d1\u5b66\u65b9\u6cd5\u8bba\u540e\uff0c\u8fc5\u901f\u5728\u56fd\u5916\u7684\u5404\u884c\u5404\u4e1a\u88ab\u5e7f\u6cdb\u8fd0\u7528\u3002\u5176\u6838\u5fc3\u7406\u5ff5\u662f\u5f3a\u8c03\u201c\u4ee5\u4eba\u4e3a\u672c\u201d\uff0c\u5c06\u5ba2\u6237\u4e0e\u5546\u4e1a\u3001\u7ec4\u7ec7\u8054\u7cfb\u8d77\u6765\uff0c\u4ece\u800c\u5b9e\u73b0\u5546\u4e1a\u76ee\u6807\u548c\u7ec4\u7ec7\u53d8\u9769\u3002<\/p>\n<p>\u800c\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\uff0c\u6307\u7684\u662f\u8fd0\u7528\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\uff0c\u751f\u6210\u5168\u9762\u3001\u7cfb\u7edf\u7684\u89e3\u51b3\u65b9\u6848\u3002\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u5e76\u975e\u5355\u7eaf\u6307\u201c\u670d\u52a1\u201d\u7684\u8bbe\u8ba1\uff0c\u4f01\u4e1a\u7684\u6218\u7565\u8f6c\u578b\u3001\u5546\u4e1a\u6a21\u5f0f\u3001\u54c1\u724c\u5347\u7ea7\u3001\u7528\u6237\u7814\u7a76\u3001\u5ba2\u6237\u4f53\u9a8c\u3001\u670d\u52a1\u7b56\u7565\u3001\u6570\u5b57\u4ea4\u4e92\u3001\u7a7a\u95f4\u4f53\u9a8c\u3001\u4ea7\u54c1\u5f00\u53d1\u3001\u7ec4\u7ec7\u53d8\u9769\u7b49\uff0c\u53ea\u8981\u662f\u7ec4\u7ec7\u7684\u5546\u4e1a\u884c\u4e3a\uff0c\u57fa\u672c\u90fd\u53ef\u4ee5\u5f52\u7c7b\u4e3a\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u7684\u8303\u7574\u3002\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u5176\u5b9e\u4e0e\u94f6\u884c\u4e1a\u6e0a\u6e90\u5df2\u4e45\uff0c\u56e0\u5176\u6700\u65e9\u662f\u7531\u7f8e\u56fd\u94f6\u884c\u5bb6\u534f\u4f1a\u7684\u8457\u540d\u670d\u52a1\u7ba1\u7406\u5b66\u4e13\u5bb6Glynn Shostack\u6559\u6388\u4e8e1984\u5e74\u63d0\u51fa\u6765\u7684\u3002<\/p>\n<p>\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u4e0e\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u4e4b\u95f4\u7684\u533a\u522b\u53ef\u4ee5\u7406\u89e3\u4e3a\uff0c\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u662f\u4e00\u79cd\u65b9\u6cd5\u8bba\uff0c\u800c\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u5219\u662f\u5f3a\u8c03\u628a\u601d\u8003\u8f6c\u5316\u4e3a\u6709\u6548\u7b56\u7565\u548c\u786e\u4fdd\u843d\u5730\u6267\u884c\u7684\u5b9e\u8df5\u6d3b\u52a8\u3002<\/p>\n<p>\u5f53\u7136\uff0c\u5176\u5b9e\u6211\u4eec\u6ca1\u5fc5\u8981\u8fc7\u591a\u5730\u7ea0\u7ed3\u4e8e\u6982\u5ff5\u548c\u5b9a\u4e49\uff0c\u6291\u6216\u662f\u201c\u8bbe\u8ba1\u601d\u7ef4\u201d\u548c\u201c\u670d\u52a1\u8bbe\u8ba1\u201d\u7684\u533a\u522b\uff0c\u5173\u952e\u5728\u4e8e\uff0c\u6211\u4eec\u80fd\u591f\u7406\u89e3\u5e76\u5e94\u7528\u201c\u8bbe\u8ba1\u201d\u6765\u5e2e\u52a9\u6211\u4eec\u63d0\u9ad8\u53d1\u73b0\u95ee\u9898\u3001\u5206\u6790\u95ee\u9898\u548c\u89e3\u51b3\u95ee\u9898\u7684\u80fd\u529b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #3366ff;\"><strong>\u201c\u8bbe\u8ba1\u201d\u7684\u7279\u5f81<\/strong><\/span><\/h4>\n<p>\u201c\u8bbe\u8ba1\u201d\u4e4b\u6240\u4ee5\u80fd\u88ab\u6d77\u5916\u5404\u754c\u5e7f\u4e3a\u4f7f\u7528\uff0c\u662f\u56e0\u4e3a\u76f8\u6bd4\u4f20\u7edf\u5546\u4e1a\u505a\u6cd5\uff0c\u201c\u8bbe\u8ba1\u201d\u5177\u5907\u4ee5\u4e0b\u7279\u70b9\uff1a<\/p>\n<h5><span style=\"color: #3366ff;\"><strong>1\u3001\u00a0 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style=\"color: #3366ff;\"><strong>2\u3001\u00a0 \u5171\u521b\u3002<\/strong><\/span><\/h5>\n<p>\u201c\u8bbe\u8ba1\u201d\u5f3a\u8c03\u591a\u65b9\u7684\u5171\u540c\u53c2\u4e0e\u548c\u534f\u4f5c\uff0c\u5305\u62ec\u5ba2\u6237\u3001\u5458\u5de5\u3001\u5408\u4f5c\u4f19\u4f34\u53ca\u5176\u4ed6\u5229\u76ca\u76f8\u5173\u8005\u3002\u8bbe\u8ba1\u4e3b\u5bfc\u7684\u7ec4\u7ec7\uff0c\u4f1a\u5c06\u5173\u952e\u5bf9\u8c61\u7f6e\u4e8e\u6240\u6709\u5546\u4e1a\u73af\u8282\u4e2d\u3002\u4ece\u9700\u6c42\u7814\u7a76\u3001\u5230\u539f\u578b\u5f00\u53d1\u3001\u518d\u5230\u6d4b\u8bd5\u8fed\u4ee3\uff0c\u5458\u5de5\u548c\u5ba2\u6237\u59cb\u7ec8\u5d4c\u5165\u5176\u4e2d\uff0c\u6301\u7eed\u63d0\u4f9b\u53cd\u9988\uff0c\u786e\u4fdd\u65e0\u8bba\u662f\u65b0\u4ea7\u54c1\uff0c\u8fd8\u662f\u65b0\u670d\u52a1\u6d41\u7a0b\uff0c\u8fd8\u662f\u65b0\u624b\u673a\u5e94\u7528\uff0c\u90fd\u662f\u6709\u6548\u7684\uff0c\u80fd\u591f\u5145\u5206\u6ee1\u8db3\u670d\u52a1\u63d0\u4f9b\u8005\u548c\u670d\u52a1\u63a5\u6536\u8005\u7684\u5229\u76ca\u3002\u4ece\u8bbe\u8ba1\u7684\u89d2\u5ea6\u6765\u8bf4\uff0c\u5458\u5de5\uff0c\u5c24\u5176\u662f\u4e00\u7ebf\u5458\u5de5\uff0c\u5f80\u5f80\u662f\u6700\u80fd\u7406\u89e3\u5ba2\u6237\u3001\u6700\u80fd\u53d1\u73b0\u95ee\u9898\u7684\u4eba\uff0c\u5e76\u4e14\u4e5f\u662f\u6700\u80fd\u5f71\u54cd\u5ba2\u6237\u4f53\u9a8c\u7684\u4eba\uff0c\u56e0\u6b64\u5458\u5de5\u7684\u9ad8\u5ea6\u53c2\u4e0e\u5c24\u4e3a\u91cd\u8981\u3002\u5df4\u514b\u83b1\u94f6\u884c\u3001\u5fb7\u610f\u5fd7\u94f6\u884c\u3001\u5bcc\u8fbe\u6295\u8d44\u7b49\u91d1\u878d\u673a\u6784\uff0c\u90fd\u5c24\u5176\u5f3a\u8c03\u201c\u5171\u521b\u201d\u7684\u91cd\u8981\u6027\u3002<\/p>\n<h5><span style=\"color: #3366ff;\"><strong>3\u3001\u00a0 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style=\"color: #3366ff;\"><strong>4\u3001\u00a0 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Based Working (ABW)\u6a21\u5f0f\uff0c\u5458\u5de5\u53ef\u4ee5\u57fa\u4e8e\u4e0d\u540c\u7684\u5de5\u4f5c\u7c7b\u578b\u9009\u62e9\u5408\u9002\u7684\u5de5\u4f5c\u65b9\u5f0f\uff0c\u6781\u5927\u5730\u4fc3\u8fdb\u5458\u5de5\u4e4b\u95f4\u7684\u76f8\u4e92\u534f\u540c\uff0c\u63d0\u9ad8\u51b3\u7b56\u6267\u884c\u7684\u6548\u7387\u548c\u6c34\u5e73\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #3366ff;\"><strong>\u201c\u8bbe\u8ba1\u201d\u7684\u4ef7\u503c<\/strong><\/span><\/h4>\n<p>\u8bb2\u8ff0\u5230\u8fd9\u91cc\uff0c\u662f\u65f6\u5019\u56de\u5f52\u5230\u6211\u4eec\u7684\u4e3b\u9898\u201c\u8bbe\u8ba1\u91cd\u65b0\u5b9a\u4e49\u94f6\u884c\u8f6c\u578b\u201d\uff0c\u770b\u770b\u201c\u8bbe\u8ba1\u201d\u5230\u5e95\u662f\u5982\u4f55\u52a9\u529b\u5b9e\u73b0\u94f6\u884c\u8f6c\u578b\u3002<\/p>\n<h5><span style=\"color: #3366ff;\">1\u3001\u00a0 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style=\"color: #3366ff;\"><strong>\u6848\u4f8b\uff1a\u5b89\u5feb\u94f6\u884c\u6253\u9020\u9876\u7ea7\u96f6\u552e\u94f6\u884c<\/strong><\/span><\/p>\n<p>\u5efa\u4e8e1953\u5e74\u7684\u5b89\u5feb\u94f6\u884c\uff0c 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\u4e00\u5806\u6cb9\u6f06\u548c\u5237\u5b50\uff0c\u6765\u5c55\u793a\u4ed6\u4eec\u7684\u6309\u63ed\u8d37\u6b3e\u4ea7\u54c1\u3002\u7f51\u70b9\u5185\u6709\u5496\u5561\u5427\u3001\u4f11\u95f2\u533a\u3001\u97f3\u4e50\u4e2d\u5fc3\uff0c\u4e0d\u4ec5\u5982\u6b64\uff0c\u4e3a\u4e86\u6539\u5584\u5ba2\u6237\u7684\u751f\u6d3b\u5e76\u652f\u6301\u5f53\u5730\u4f01\u4e1a\u7684\u6210\u957f\uff0c\u7f51\u70b9\u5185\u8fd8\u8bbe\u7f6e\u4e13\u95e8\u7684\u7279\u8272\u5546\u54c1\u96f6\u552e\u5c55\u793a\u533a\u3002\u7f51\u70b9\u767d\u5929\u662f\u94f6\u884c\uff0c\u591c\u665a\u548c\u5468\u672b\u5c31\u6210\u4e3a\u6d3b\u52a8\u4e2d\u5fc3\uff0c\u53ef\u4ee5\u653e\u7535\u5f71\u3001\u7ec3\u745c\u4f3d\u3001\u6f14\u77ed\u5267\u3001\u505a\u624b\u5de5\uff0c\u4f9b\u5ba2\u6237\u5a31\u4e50\u4f11\u95f2\u3002<\/p>\n<p>\u901a\u8fc7\u8fd0\u7528\u8bbe\u8ba1\u601d\u7ef4\uff0c\u5b89\u5feb\u94f6\u884c\u9a71\u52a8\u7ec4\u7ec7\u548c\u4e1a\u52a1\u5b9e\u73b0\u53d8\u9769\uff0c20\u591a\u5e74\u6765\uff0c\u5728\u7ade\u4e89\u6fc0\u70c8\u7684\u7f8e\u56fd\u94f6\u884c\u4e1a\u4e2d\u4f9d\u7136\u4fdd\u6301\u89c4\u6a21\u548c\u6536\u5165\u7684\u6301\u7eed\u5f3a\u52b2\u589e\u957f\u3002<\/p>\n<h5><span style=\"color: #3366ff;\"><strong>2\u3001\u00a0 \u901a\u8fc7\u5ba2\u6237\uff0c\u5b9e\u73b0\u5546\u4e1a\u76ee\u6807\u3002<\/strong><\/span><\/h5>\n<p>\u901a\u8fc7\u201c\u8bbe\u8ba1\u201d\uff0c\u80fd\u591f\u5e2e\u52a9\u94f6\u884c\u8bc6\u522b\u5173\u952e\u95ee\u9898\uff0c\u53d1\u6398\u5ba2\u6237\u751f\u6d3b\u7684\u75db\u70b9\u3002\u5f53\u80fd\u591f\u7531\u5916\u800c\u5185\u5730\u63ed\u793a\u51fa\u5ba2\u6237\u771f\u6b63\u5728\u610f\u4e14\u9700\u8981\u7684\u4e1c\u897f\u65f6\uff0c\u94f6\u884c\u5c31\u80fd\u6613\u4e8e\u627e\u5230\u6839\u672c\u6027\u7684\u89e3\u51b3\u65b9\u6848\u6216\u662f\u6709\u6548\u7684\u8c03\u6574\u4e3e\u63aa\uff0c\u4ece\u800c\u6781\u5927\u5730\u5f71\u54cd\u7ec4\u7ec7\u7ee9\u6548\u3002<\/p>\n<p><span style=\"color: #3366ff;\"><strong>\u6848\u4f8b\uff1a\u7f8e\u56fd\u94f6\u884c\u201c\u96f6\u5934\u8f6c\u5b58\u201d\u64ac\u52a8200\u4ebf\u5b58\u6b3e<\/strong><\/span><\/p>\n<p>2004\u5e74\uff0c\u7f8e\u56fd\u94f6\u884c\u7684\u7814\u7a76\u4eba\u5458\u548c\u987e\u95ee\u4eec\u82b1\u4e86\u4e24\u4e2a\u6708\u7684\u65f6\u95f4\uff0c\u89c2\u5bdf\u4e86\u5341\u51e0\u4f4d\u5bb6\u5ead\u5973\u6027\u5982\u4f55\u5b89\u6392\u6d88\u8d39\u548c\u89c4\u5212\u5f00\u652f\uff0c\u53d1\u73b0\u4e0d\u5c11\u5973\u6027\u867d\u7136\u90fd\u6709\u50a8\u84c4\u7684\u610f\u613f\uff0c\u5374\u603b\u662f\u96be\u4ee5\u63a7\u5236\u81ea\u5df1\u7684\u8d2d\u7269\u6b32\u671b\u800c\u65e0\u6cd5\u5b58\u4e0b\u8d44\u91d1\u3002<\/p>\n<p>\u6d1e\u6089\u4e86\u8fd9\u4e00\u75db\u70b9\uff0c\u4e00\u4e2a\u7531\u4ea7\u54c1\u7ecf\u7406\u3001\u7406\u8d22\u987e\u95ee\u3001\u8f6f\u4ef6\u5de5\u7a0b\u5e08\u548c\u8fd0\u8425\u4e13\u5bb6\u7ec4\u6210\u7684\u5f00\u53d1\u56e2\u961f\u5386\u7ecf20\u6b21\u4f1a\u8bae\u4e4b\u540e\uff0c \u63a8\u51fa\u4e86\u4e00\u9879\u521b\u65b0\u4ea7\u54c1\u2014keep the change\u96f6\u5934\u8f6c\u5b58\u3002<\/p>\n<p>\u5ba2\u6237\u4f7f\u7528\u501f\u8bb0\u5361\u8fdb\u884c\u6d88\u8d39\u65f6\uff0c\u94f6\u884c\u4f1a\u5212\u8d70\u4e00\u4e2a\u6574\u6570\uff0c\u96f6\u5934\u4f1a\u81ea\u52a8\u4ece\u5ba2\u6237\u7684\u652f\u7968\u8d26\u6237\u8fdb\u5165\u50a8\u84c4\u8d26\u6237\u4e2d\u3002\u6bd4\u65b9\u8bf4\uff0c\u4e00\u676f\u5496\u55613.43\u7f8e\u5143\uff0c\u94f6\u884c\u5c31\u4f1a\u5212\u8d704\u7f8e\u5143\uff0c\u5e76\u5c06\u5dee\u989d\uff0857\u7f8e\u5206\uff09\u5b58\u5165\u5ba2\u6237\u7684\u50a8\u84c4\u8d26\u6237\u3002\u8fd9\u4e2a\u96f6\u5934\u8f6c\u5b58\u7684\u8bbe\u8ba1\uff0c\u5e2e\u52a9\u7f8e\u56fd\u94f6\u884c\u8d62\u5f97\u4e861200\u4e07\u4e2a\u65b0\u5ba2\u6237\u548c31\u4ebf\u7f8e\u5143\u7684\u65b0\u589e\u5b58\u6b3e\u3002<\/p>\n<p>\u8fd9\u662f\u4e00\u4e2a\u900f\u8fc7\u89c2\u5bdf\u771f\u5b9e\u7684\u4eba\u4eec\u4e0e\u91d1\u94b1\u7684\u5173\u7cfb\uff0c\u6df1\u5165\u89e3\u8bfb\u6d88\u8d39\u8005\u884c\u4e3a\uff0c\u4ece\u800c\u83b7\u5f97\u6d1e\u89c1\u5e76\u6700\u7ec8\u8f6c\u5316\u4e3a\u4ea7\u54c1\u6982\u5ff5\u7684\u670d\u52a1\u8bbe\u8ba1\u7ecf\u5178\u6848\u4f8b\u3002<\/p>\n<h5><span style=\"color: #3366ff;\"><strong>3\u3001\u00a0 \u56f4\u7ed5\u5ba2\u6237\uff0c\u534f\u540c\u7ec4\u7ec7\u4fc3\u52a8\u7ec4\u7ec7\u53d8\u9769\u3002<\/strong><\/span><\/h5>\n<p>\u201c\u8bbe\u8ba1\u201d\u5e2e\u52a9\u94f6\u884c\u673a\u6784\u6253\u7834\u56fa\u6709\u601d\u7ef4\uff0c\u4e0a\u4e0b\u4e00\u5fc3\uff0c\u4ece\u5ba2\u6237\u5bfc\u5411\u7684\u89d2\u5ea6\u8c03\u6574\u5185\u90e8\u8fd0\u4f5c\uff0c\u901a\u8fc7\u90e8\u95e8\u7684\u534f\u540c\u548c\u5458\u5de5\u7684\u53c2\u4e0e\uff0c\u6784\u5efa\u4e00\u81f4\u4e14\u7075\u6d3b\u7684\u7ec4\u7ec7\u67b6\u6784\u3002<\/p>\n<p><span style=\"color: #3366ff;\"><strong>\u6848\u4f8b\uff1a\u5bcc\u8fbe\u6295\u8d44\u7684\u7ec4\u7ec7\u521b\u65b0<\/strong><\/span><\/p>\n<p>Fidelity Investments\uff08\u5bcc\u8fbe\u6295\u8d44\uff09\u662f\u5168\u7403\u7b2c\u56db\u5927\u5171\u540c\u57fa\u91d1\u516c\u53f8\uff0c\u65e9\u57282005\u5e74\u5c31\u5f00\u59cb\u8fd0\u7528\u670d\u52a1\u8bbe\u8ba1\u652f\u6301\u4ea7\u54c1\u548c\u670d\u52a1\u521b\u65b0\uff0c\u5e76\u9762\u5411\u6574\u4e2a\u7ec4\u7ec7\u5185\u90e8\u8fdb\u884c\u5168\u5458\u63a8\u5e7f\u3002<\/p>\n<p>\u4e3a\u5e2e\u52a9\u4e0d\u540c\u5730\u533a\u548c\u90e8\u95e8\u7684\u5458\u5de5\u4e4b\u95f4\u5e7f\u6cdb\u5efa\u7acb\u8054\u7cfb\uff0c\u4fc3\u8fdb\u6df1\u5ea6\u4ea4\u6d41\u4ece\u800c\u63a8\u52a8\u521b\u65b0\uff0c\u5bcc\u8fbe\u5728\u5168\u7403\u8303\u56f4\u5185\u7ec4\u5efa\u4e86\u5404\u79cd\u4e3b\u9898\u7684\u5458\u5de5\u4ff1\u4e50\u90e8\uff0c\u5176\u4e2d\u5305\u62ec\u670d\u52a1\u8bbe\u8ba1\u601d\u7ef4\u4ff1\u4e50\u90e8\uff0c\u6765\u81ea\u5168\u7403\u5404\u5730\u7684\u5bcc\u8fbe\u5458\u5de5\u53ef\u4ee5\u81ea\u7531\u5730\u9009\u62e9\u53c2\u52a0\u81ea\u5df1\u611f\u5174\u8da3\u7684\u4ff1\u4e50\u90e8\u3002<\/p>\n<p>\u51e0\u5e74\u524d\uff0c\u5bcc\u8fbe\u7684\u4e00\u540d\u7535\u8bdd\u5ba2\u670d\u4e2d\u5fc3\u4ee3\u8868\u63a5\u5230\u4e0d\u5c11\u5ba2\u6237\u53cd\u9988\u767b\u5f55\u624b\u673a\u7cfb\u7edf\u51fa\u73b0\u95ee\u9898\uff0c\u8fd9\u4f4d\u4ee3\u8868\u6070\u597d\u662f\u670d\u52a1\u8bbe\u8ba1\u601d\u7ef4\u4ff1\u4e50\u90e8\u7684\u4f1a\u5458\uff0c\u4e8e\u662f\u5979\u5728\u8be5\u4ff1\u4e50\u90e8\u7684\u5728\u7ebf\u793e\u533a\u4e0a\u53d1\u8d77\u4e86\u8ba8\u8bba\uff0c\u5f88\u591a\u4f1a\u5458\u4e5f\u90fd\u4e00\u8d77\u53c2\u4e0e\u4ea4\u6d41\u5e76\u63d0\u51fa\u89e3\u51b3\u5efa\u8bae\uff0c\u8be5\u4ff1\u4e50\u90e8\u7684\u4f1a\u957f\u4e5f\u5c31\u662f\u5bcc\u8fbe\u7528\u6237\u4f53\u9a8c\u56e2\u961f\u7684\u8d1f\u8d23\u4eba\u7acb\u5373\u7ec4\u7ec7\u56e2\u961f\u8fc5\u901f\u5730\u5c55\u5f00\u4fee\u590d\u3002\u6700\u7ec8\u7684\u7ed3\u679c\u662f\uff0c\u95ee\u9898\u4ee5\u4e0d\u52302\u4e07\u7684\u6210\u672c\u88ab\u89e3\u51b3\u4e86\uff0c\u540c\u65f6\u4e5f\u4e3a\u5bcc\u8fbe\u8282\u7701\u4e86\u6bcf\u5e74400\u4e07\u7684\u5ba2\u670d\u4e2d\u5fc3\u5f00\u652f\u3002<\/p>\n<p>\u7ec4\u7ec7\u521b\u65b0\u79bb\u4e0d\u5f00\u5458\u5de5\u7684\u79ef\u6781\u53c2\u4e0e\uff0c\u5c24\u5176\u8eab\u5904\u4e00\u7ebf\u7684\u5458\u5de5\uff0c\u5f80\u5f80\u662f\u6700\u80fd\u7406\u89e3\u5ba2\u6237\u548c\u53d1\u73b0\u95ee\u9898\u5b58\u5728\u7684\u7fa4\u4f53\uff0c\u91cd\u89c6\u8fd9\u4e9b\u5173\u952e\u4eba\u7269\u7684\u57f9\u517b\uff0c\u5e76\u5efa\u7acb\u6709\u6548\u7684\u53cd\u9988\u6e20\u9053\uff0c\u4e00\u4e2a\u66f4\u4e3a\u5f00\u653e\u7684\u67b6\u6784\u662f\u786e\u4fdd\u7ec4\u7ec7\u8d62\u5f97\u672a\u6765\u7684\u5173\u952e\u3002<\/p>\n<p>\u7ed3\u8bed\uff1a\u5feb\u901f\u53d8\u5316\u5df2\u7ecf\u6210\u4e3a\u8fd9\u4e2a\u4e16\u754c\u7684\u4e00\u4e2a\u91cd\u8981\u7279\u5f81\u3002\u4f46\uff0c\u53d8\u5316\u7684\u662f\u5f62\u5f0f\uff0c\u4e0d\u53d8\u7684\u662f\u5185\u5bb9\u3002\u5168\u7403\u94f6\u884c\u52a0\u901f\u8715\u53d8\u8f6c\u578b\u7684\u540c\u65f6\uff0c\u4e5f\u662f\u5bf9\u81ea\u6211\u3001\u5bf9\u4e16\u754c\u548c\u5bf9\u4eba\u6027\u672c\u8eab\u7684\u63a2\u7d22\uff0c\u4ee5\u53ca\u670d\u52a1\u672c\u8d28\u7684\u56de\u5f52\u3002\u201c\u8bbe\u8ba1\u201d\uff0c\u8ba9\u94f6\u884c\u7ec8\u5f97\u5176\u6240\uff0c\u521d\u5fc3\u95ea\u8000\uff01<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #3366ff;\"><strong>\u4ee5\u4e0a\u5185\u5bb9\u90e8\u5206\u8282\u9009\u81ea\u300a\u94f6\u884c\u670d\u52a1\u8bbe\u8ba1\u4e0e\u521b\u65b0\u300b<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" class=\"alignnone wp-image-59592 size-full\" src=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00.jpg\" alt=\"\" width=\"350\" height=\"350\" srcset=\"https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00.jpg 350w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00-150x150.jpg 150w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00-300x300.jpg 300w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00-160x160.jpg 160w, https:\/\/www.uxren.cn\/wp-content\/uploads\/2018\/06\/banking-service-design-and-innovation-book-00-320x320.jpg 320w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/p>\n<p style=\"text-align: center;\">\u5168\u7403100+\u9886\u5148\u94f6\u884c\u9ad8\u7ba1\u7684\u5171\u540c\u6218\u7565\u9009\u62e9<br \/>\n\u6bcf\u4e00\u4f4d\u91d1\u878d\u4ece\u4e1a\u8005\u8d62\u53d6\u672a\u6765\u7ade\u4e89\u529b\u7684\u5fc5\u5907\u826f\u4e66<br \/>\n\u6c47\u96c6\u5168\u740360+\u91d1\u878d\u673a\u6784\u6709\u5173\u5ba2\u6237\u6d1e\u5bdf\u3001\u4f53\u9a8c\u8bbe\u8ba1\u53ca\u53d8\u9769\u521b\u65b0\u7684\u5b9e\u6218\u6848\u4f8b\u5b9d\u5178<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #3366ff;\"><strong>\u300a\u94f6\u884c\u670d\u52a1\u8bbe\u8ba1\u4e0e\u521b\u65b0\u300b\u7b80\u4ecb<\/strong><\/span><\/h4>\n<p>\u4f5c\u4e3a\u5168\u56fd\u7b2c\u4e00\u672c\u4ecb\u7ecd\u94f6\u884c\u4e1a\u201c\u8bbe\u8ba1\u201d\u521b\u65b0\u5e94\u7528\u7684\u4e66\u7c4d\uff0c\u4f5c\u8005\u7cbe\u7f16\u4e86\u8fd1200\u4e2a\u7efc\u5408\u6848\u4f8b\uff0c\u6d89\u53ca\u5168\u740320\u591a\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u768460\u591a\u5bb6\u91d1\u878d\u673a\u6784\uff0c\u6c47\u96c6\u4e86\u56fd\u5185\u5916\u94f6\u884c\u4e1a\u7684\u670d\u52a1\u8bbe\u8ba1\u53ca\u521b\u65b0\u6848\u4f8b\uff0c\u94f6\u884c\u5ba2\u6237\u7814\u7a76\u7684\u601d\u8def\uff0c\u8de8\u754c\u9886\u57df\u670d\u52a1\u8bbe\u8ba1\u53ca\u521b\u65b0\u7684\u501f\u9274\uff0c\u65e5\u5e38\u4e2d\u5173\u4e8e\u94f6\u884c\u670d\u52a1\u8bbe\u8ba1\u601d\u7ef4\u7684\u601d\u8003\u7b49\uff0c\u9002\u5408\u94f6\u884c\u9886\u57df\u7684\u6240\u6709\u4ece\u4e1a\u4eba\u5458\uff0c\u91d1\u878d\u9886\u57df\u548c\u5927\u4f17\u9886\u57df\u7684\u670d\u52a1\u8bbe\u8ba1\u8005\u53ca\u521b\u65b0\u7814\u7a76\u8005\uff0c\u4ee5\u53ca\u5bf9\u94f6\u884c\u4e1a\u521b\u65b0\u611f\u5174\u8da3\u7684\u4e2a\u4eba\u9605\u8bfb\u3002<\/p>\n<p>\u4e0d\u540c\u4e8e\u4f20\u7edf\u91d1\u878d\u4e13\u4e1a\u7c7b\u4e66\u7c4d\u7684\u7406\u8bba\u5316\u548c\u590d\u6742\u6027\uff0c\u672c\u4e66\u4fa7\u91cd\u4e8e\u901a\u8fc7\u6848\u4f8b\u548c\u573a\u666f\uff0c\u6df1\u5165\u6d45\u51fa\u5730\u4ecb\u7ecd\u94f6\u884c\u4e1a\u670d\u52a1\u8bbe\u8ba1\u53ca\u521b\u65b0\u7684\u5185\u5bb9\uff0c\u4e14\u6bcf\u7bc7\u72ec\u7acb\u6210\u9898\uff0c\u89c2\u70b9\u9c9c\u660e\uff0c\u77ed\u5c0f\u7cbe\u608d\uff0c\u56fe\u6587\u5e76\u8302\uff0c\u9002\u5e94\u5f53\u4e0b\u201c\u9ad8\u6548\u3001\u7cbe\u7b80\u3001\u6613\u7528\u3001\u6709\u8da3\u201d\u7684\u9605\u8bfb\u8bc9\u6c42\uff0c\u66f4\u53ef\u4ee5\u6309\u7167\u81ea\u5df1\u7684\u559c\u597d\u548c\u9700\u6c42\u7075\u6d3b\u9009\u53d6\u9605\u8bfb\u5185\u5bb9\u3002<\/p>\n<p>&nbsp;<\/p>\n<h4><span style=\"color: #3366ff;\"><strong>\u6731\u6653\u9752\uff08\u4f5c\u8005\uff09\u7b80\u4ecb<\/strong><\/span><\/h4>\n<ul>\n<li>\u56fd\u9645\u5e02\u573a\u8425\u9500\u53ca\u5e94\u7528\u5fc3\u7406\u5b66\u4e13\u4e1a\u80cc\u666f<\/li>\n<li>\u56fd\u5185\u7b2c\u4e00\u6279CFP\uff08\u56fd\u9645\u91d1\u878d\u7406\u8d22\u5e08\uff09\u6301\u8bc1\u4eba<\/li>\n<li>\u5b8c\u6210\u65af\u5766\u798f\u5927\u5b66\u8bbe\u8ba1\u601d\u7ef4\u3001\u521b\u9020\u529b\u4e0e\u521b\u65b0\u8bfe\u7a0b\u53ca\u5168\u7403\u77e5\u540d\u521b\u65b0\u54a8\u8be2\u673a\u6784IDEO\u8bfe\u7a0b<\/li>\n<li>\u4f5c\u4e3a\u5916\u8d44\u94f6\u884c\u7ba1\u7406\u57f9\u8bad\u751f\u548c\u9999\u6e2f\u201c\u4f18\u79c0\u4eba\u624d\u5f15\u8fdb\u8ba1\u5212\u201d\u8d44\u683c\u8eab\u4efd\u8fdb\u5165\u94f6\u884c\u4e1a\uff0c\u5728\u9999\u6e2f\u3001\u4e0a\u6d77\u548c\u5e7f\u5dde\u4e09\u5730\u4ece\u4e8b\u4e03\u5e74\u7684\u8d22\u5bcc\u7ba1\u7406\u3001\u5ba2\u6237\u4f53\u9a8c\u548c\u670d\u52a1\u7b56\u5212\u5de5\u4f5c\u30022013\u5e74\u8d77\u62c5\u4efb\u72ec\u7acb\u987e\u95ee\uff0c\u53c2\u4e0e\u5168\u56fd\u8303\u56f4\u5185\u5404\u7c7b\u578b\u94f6\u884c\u7684\u54a8\u8be2\u548c\u57f9\u8bad\u5de5\u4f5c\u3002<\/li>\n<li>\u521b\u5efa\u56fd\u5185\u9996\u4e2a\u4e13\u6ce8\u91d1\u878d\u670d\u52a1\u8bbe\u8ba1\u4e0e\u521b\u65b0\u9886\u57df\u7684\u81ea\u5a92\u4f53\u516c\u4f17\u53f7\u300a\u9752\u6653\u91d1\u878d\u8bbe\u8ba1\u300b\u3002\u5341\u5e74\u6765\u6301\u7eed\u7814\u7a76\u56fd\u5185\u5916\u94f6\u884c\u7684\u521b\u65b0\u53d1\u5c55\u52a8\u6001\uff0c\u5e76\u4e0e\u56fd\u5185\u5916\u521b\u65b0\u578b\u94f6\u884c\u548c\u521b\u65b0\u54a8\u8be2\u673a\u6784\u5f00\u5c55\u5e7f\u6cdb\u4ea4\u6d41\uff0c\u4e13\u6ce8\u5ba2\u6237\u7814\u7a76\u3001\u670d\u52a1\u8bbe\u8ba1\u548c\u4f53\u9a8c\u521b\u65b0\u9886\u57df\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h1 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