标题：预计大量用户选择Apple Card分期购买苹果Vision Pro，高盛将受益
据彭博社的Mark Gurman报道，随着售价高达3499美元的苹果Vision Pro即将上市，首批出货预计达到6万到8万台。面对如此高昂的价格，大部分买家可能会选择分期付款，借助Apple Card来减轻购置压力。
据预测，如果有300,000人使用Apple Card分期付款购买Vision Pro，此次新品发售将为Apple Card带来10亿美元的贷款额度。作为Apple Card的发行商，高盛将因此受益。尽管此前有报道称，2022年高盛因Apple Card项目亏损12亿美元，但苹果官网上仍旧显示Apple Card由高盛发行，这也意味着贷款业务仍将由其负责。
然而，高盛面临的唯一问题在于，这10亿美元的贷款都是免息的，这意味着如果用户按时还款，高盛无法通过分期业务获得任何收益。尽管如此，这仍对高盛构成利好。
值得注意的是，分析师们对Vision Pro的前景意见不一。一些分析师认为，苹果应该将精力放在生成式人工智能等更具前景的领域，而非头戴式可穿戴设备。但也有分析师指出，Vision Pro的另一个重要目的就是为未来更实惠的AR头显铺路，而这一切的前提是这款设备能够获得足够的市场认可。
英语如下：
Title: “Profits for Apple Card Soar as High-End Vision Pro Sales Drive Loan Volumes”
Keywords: 1. Apple Card, Vision Pro, Goldman Sachs
Article: The highly anticipated launch of the Apple Vision Pro, priced at $3,499, is expected to generate demand for 60,000 to 80,000 units worldwide. Given this premium price point, many buyers may opt for financing options, leveraging the Apple Card to ease the purchase burden.
According to forecasts, if 300,000 users choose to pay for their Vision Pro using an Apple Card, the new product launch could result in a loan volume of $1 billion for Apple Card. As the issuer of the Apple Card, Goldman Sachs stands to benefit from this surge in loan volume. Despite previous reports that Goldman Sachs lost $1.2 billion on the Apple Card project in 2022, the Apple website still lists Goldman Sachs as the issuer of the Apple Card, implying that the loan business will still be handled by them.
The only challenge facing Goldman Sachs is that these $1 billion loans are interest-free. This means that if users make timely repayments, Goldman Sachs cannot profit from the installment business. Nonetheless, this still bodes well for Goldman Sachs.
It is worth noting that analysts have mixed opinions about the prospects of the Vision Pro. Some analysts believe that Apple should focus its efforts on more promising areas such as generative artificial intelligence rather than head-mounted wearable devices. However, others argue that another important purpose of the Vision Pro is to pave the way for a more affordable AR headset in the future, which assumes that the device can gain sufficient market acceptance.
【来源】https://www.ithome.com/0/745/733.htm
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