“618”商战落幕！精算型消费成趋势，分期免息消费人数增19%

Core Insights - The "618" shopping festival, lasting nearly 40 days from May 13 to June 20, is a significant promotional event in the first half of the year [1] - Key trends during this year's "618" include discounts, national subsidies, consumer vouchers, and interest-free installment payments, with a notable 19% year-on-year increase in users opting for interest-free installment payments [1][4] Consumer Behavior - The rise in interest-free installment payment users is attributed to increased offers from platforms and merchants, with a 21% increase in the number of products supporting high installment periods compared to last year [4] - A survey indicates that 85% of consumers prefer to use interest-free installments even when they can afford to pay in full, reflecting a trend towards "calculated spending" [4][5] Regional Insights - The top three provinces utilizing interest-free installments during "618" are Guangdong, Zhejiang, and Jiangsu, with distinct regional preferences for products [6] - In Beijing, pet supplies are popular among consumers, while Shanghai consumers favor high-quality cleaning products, and Guangdong consumers are inclined towards men's clothing [6] Market Dynamics - Interest-free installments are seen as a win-win model for consumer finance, meeting the demand for rational spending and enhancing fund utilization efficiency, while also lowering the decision-making threshold for consumers and driving market vitality [6]