Appliance Credit Consumption: A Lot Of New Businesses Face A "bottleneck" - Credit,

New wave of consumer appliances appear

New wave of consumer appliances appear

Today, installment buy a house, car credit consumption patterns has been accepted by the overwhelming majority of consumers, 80% of buy a house, car hire those who are used to buy. The appliance industry has emerged in the current hire purchase of new trend, if you are banking

Credit card

Client

, Only the first 5% of the purchase price paid, or even "zero down payment", you can remove valuable for large family

Electricity

Device?? This year, major

Home appliance chain

Enterprises have launched the "interest-free installment" of the credit consumer items. Zero down payment, zero interest, zero security, as long as you have a designated bank credit card business, we can in the household appliance

Marketplace

To hire consumption, its very simple procedure, only way more than normal buy fill out an application form. This new consumption patterns in major cities across the country quietly rising. Big national chains also have three moves:

States United States

: In Beijing Gome, consumers hold CITIC credit card, purchase single appliance as long as no less than 3,000 yuan, you can select the six interest-free installment payment. Single appliance consumption in more than 6,000 yuan, choose 12 installments without interest payment.

Suning

: China Merchants Bank credit card customers who purchased 1,500 yuan -30,000 dollars of goods, choose three (months) interest-free payment; purchase 2,500 -30000 dollars of goods, choose six (months) interest-free payment. To 12,000 yuan of goods, for example, consumers can purchase goods from the month after the month to 2,000 yuan payment card to enter the gold, do not pay any interest, in June can all also finished.

Paradise: Paradise part of the store in Shanghai, China Merchants Bank credit card customers who, shopping, the amount of goods at more than 1,500 yuan, you can choose 6 (months) interest-free installments; 6,000 yuan or more, can enjoy 12 free Loan repayment; 10,000 yuan or more, you can enjoy the 24 interest-free installments.

Of credit was originally an "import"

Europe and the United States economy of credit is a very important part. Now, the personal credit system has been deeply embedded in its culture, and to Europe and North America so the whole economy of credit a great extent, the United States now has 1.4 billion credit card. Consumer credit is the trend of modern economic development.

Before in 1998, China's personal credit consumption is almost zero, and to present the figure is close to two trillion yuan, accounting for about 10% of bank credit, and now this close to two trillion yuan in credit consumption is almost all rooms or cars, some, such as household appliances,

Clothing

,

Travel

Consumer credit and other daily consumer goods is almost zero, while the appliance credit than the mortgage, car loans has more room, a conservative estimate, home appliances market to carry out consumer credit will bring at least 800 billion

Sell

Increment, while the amount of credit currently appliances negligible, home appliance chain giant who took a fancy to the huge 80 billion market cake, the first to start the service have to seize market opportunities.

Should be said that the launch of the service both to business, banking, or a good thing for consumers, on the company, it adds a valid

Promotions

Means and settlement platform, distinct from

Competition

Means of competitive differentiation rivals, the most suitable for price-sensitive potential customers, boost real consumer spending and a one-time recovery of money; for the cardholder, the non-payment of interest, and enjoy a very convenient method of payment in advance has favorite appliances, a reasonable balance between individual

Finance

; For banks, for the cardholder to provide a specified purpose and the corresponding amount of credit, installment equal installments of principal, access to some of the fees, can serve three purposes.

Many new businesses face a "bottleneck"

Appliance industry launched the current interest-free credit consumer business, the general practice of a merchant discount system. This means that business is the free lunch of "those who pay." Discount will no doubt bring great benefits business losses. But in the current oversupply of the home appliance market, home appliances industry where rapid upgrades, this method can not only stimulate a number of potential credit consumer expectations, can greatly stimulate current consumption; can not only improve the speed of business cash flow , but also expand the consumer market, but the main purpose of business or for Competition services, do not plan how much money stands to make, so propaganda and promotion activities, on the business promotion efforts are not enough, not many consumers know resulted in the slow pace of its development one of the reasons.

by: gaga

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