Appliance Credit Are "weak" Or "chicken"?
Appliances
Appliances
Consumer credit has experienced a few years ago in the "stir", the gradually into a "tasteless" and "chicken" struggle, which stores the implementation of the force is Enthusiasm. Reporter yesterday from Dongguan
Suning
Understand that the current warming trend is clearly credit consumption home appliances, compared with the previous years growth rate of more than 100%, and the store attracts 3 to 4 percent of the customers, have their training as "big chicken", while this month will be launched in mid-new "appliances easy" mode, in order to boost consumer appliance credit. Marketplace concerned that the consumer credit for the current status of home appliances, stores need to dare first taste soup, made more in line with market demand, human transformation, the potential can be bigger "cake."
Background: The appliance of credit freeze as chicken ribs
Installment now consumers are becoming the fashionable choice of many consumers, but the home and car buyers than consumer credit has some deserted home appliances. As the appliances are durable goods, rather than expensive luxury, combined with the long-standing habits of consumption, which makes consumer appliances credit freeze in the city.
It is understood that, as early as 2005 to Su Ning,
States United States
As the representative of a national home appliance home appliance chain introduced a credit test water consumption, together with the banks, "zero interest rate, zero down payment and zero-fee" of 30 models, and tap this potential market, but have it be acclimatized.
On the actual situation, mainly in computer appliance credit,
Digital
And other 3C products, target consumers more purchasing power is not strong in college students and young people just to work near the main families that have the potential consumer groups seem less attractive.
Recent years, several major home appliance chain has not announced its appliance market share of credit in proportion. Disclosed that the industry, home appliance chain hidden and not talk about the main reason is that the consumption pattern is not driven incremental credit is gradually reduced to a consumer appliance retail sector, "tasteless."
Case: Mining properly nurture the "big chicken"
Appliance credit consumption in Dongguan how effective? "From the end of 2008 until last year, more than 1 year, we conducted a large-scale home appliances installment promotion, focus and China Construction Bank, Bank of China and China Merchants Bank and other banks cooperation and feedback from the banks see the credit consumer appliances warming trend evident in previous years growth rate of more than 100%. "Dongguan Su Ning said that the relevant department heads, especially in the use of credit card installment consumption, China Construction Bank, China Merchants Bank's customers performed even for the active, about 3 to 4 percent of the store customers to hire purchase home appliances.
He said that the stores and banks were introduced in March, June and December of three installments mode, and conventional staging consumer will pay 3-5% of the fee compared to appliance stores consumer credit activities, mainly in the major node to carry out, activities related to the period of exemption fees, and conducted jointly with the Bank as gifts activities appropriate for mining has gradually become a foster home appliances consumer credit "big chicken."
According to analysis of stakeholders is also said by the financial settlement, consumer spending habits, and spending is not much other factors, Dongguan, telecom spending boom has not yet emerged a large scale.
Market dynamics: Suning new push "appliances easy" mode
Different from other stores, Dongguan Suning Appliance of credit intended to root out the potential of this market. Suning's learned from Dongguan, given the tendency of consumers in cooperation with banks, supermarkets for consumer installment, in mid-April this year, Suning, and China Merchants Bank to expand cooperation in all fields, easy to launch and home improvement, car purchase easy to similar Easy installment consumer electronics business. The two sides on major node for an interest-free offers, shopping to send gifts and other activities, will integrate their resources to brand promotion, by email, SMS, etc. in a timely manner pass to the cardholder billing, none other information to narrow the gap between online, offline the distance with consumers.
Appliance Credit Are "weak" Or "chicken"?
By: xtxtx
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