Credit may become a popular trend in home appliances still need three to five years - Gome, Suning, Yongle - HC network appliance industry-hc360

China Product






The concept of the greatest impediments to its consumption
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Installment consumer appliances (appliances credit) as a new consumption patterns, many domestic home appliance chain Gome, Yongle, Suning and so the previous two years earlier had started an interest-free down payment-free, non-security installments. But the reporter has the major home appliance stores in Guangzhou understand appliance is a consumer credit or trend, the supermarkets are also in the development of the business, but because of obstacles to consumption concept, the business is not as widespread as expected consumer acceptance and popularity still need three to five years.
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Stores, banks even behind the appliance credit



Statistics reveal that China's housing credit has reached 85%, auto loans also reached 40%, while the appliance credit consumption ratio of the total consumer electronics market, which can be ignored. State Council Development Research Center of Market Economy Institute deputy director Lu Renbo basis that China is still in the foster home appliances on credit consumption. It is understood that China's household electrical appliance consumption in 2007 will reach 700 billion yuan and an annual growth rate of 10%, household appliances huge market of credit.



Suning Appliance in 2005 launched a "zero down payment, zero interest rate" installment consumer, the same year in August, the country to promote its home appliances throughout the United States also hire business. After two years of development, and home appliances to achieve the credit market although there is no rapid growth, but the supermarkets and banks, but had in even behind the business. As the person in charge of a store's words, "Since the appliance is a large cake of credit markets, everyone in the sub-eat, why we do not have a share it?"



Reporter learned yesterday from Canton 100 department stores, also is optimistic about home appliances because of the great credit this market outlook, Canton 100 has started preparing to expand the business, is working with four major banks arrange with detailed matters. Canton 100 ZHANG Xiao-ping, head of department said appliance, Canton 100 is take the high road, and home appliances credit is a relatively new business, I believe that the promotion of high-end consumer will certainly be helpful.



GOME has also said that the amount of home appliances consumer installment GOME total sales accounted for 4.6%, although this ratio is not high, but compared with last year's data is in the growth rate of 40%.



Experts said the introduction of home appliance hire business to business, banks and consumers in a sense, three-win-win situation can be achieved. Businesses a more effective means of promotion and settlement platform; consumers do not need down payment, you enjoy easy payment; while on the banks, provide consumers with a specified purpose and the corresponding amount of credit to promote the new business conduct.



Hinder the development of consumer attitudes



Although the launch of home appliances chain businesses have been very favorable terms of credit, but still not looking forward to the strong business scene. In the interview, several journalists were asked consumers are buying appliances, whether to accept installment payments to spend? That most people still say they are not. When asked the reason, most of them say that, since to buy the appliance is installed the body naturally enough the silver, and appliance price and then you also about the tens of thousands of pieces, not as a house, a car so unbearable, no need to pay more interest money to buy things. In addition, some people worry that can not be used to buy goods in installments to enjoy discounts and offers, in case problems arise after the goods, to proceed with returns Shiyou merchants to find more trouble to find another bank.



For consumers concerned about these factors, China Merchants Bank credit card business aspects of head and told reporters Suning Appliance, home appliances on credit has become increasingly mature and complete, now the same product, same price and not the lower threshold pay installments of interest, the interest generated by consumer loans borne entirely by the seller. And once a problem with goods, directly to businesses can solve the problem, the procedures are not complicated, with a one-time payment of treatment without any distinction.



In fact, for white-collar family, and 80 college students after they have run, in installments to buy computers, mobile phones, digital products seems to be a common occurrence. It is understood that young men are still the main force credit appliance supermarkets.