海尔消金率先接入银联云闪付，打通以旧换新最后一公里

Core Viewpoint - The integration of consumer finance and payment scenarios, driven by consumption recovery and policy support, is generating new growth momentum in the market [1] Group 1: Policy and Financial Innovation - The People's Bank of China and six other departments have issued guidelines to encourage financial institutions to innovate consumer credit products and expand financial supply in the consumption sector [3] - Haier Consumer Finance's integration with UnionPay Cloud Quick Payment is a rapid response to these policies, enhancing consumer experience [3] Group 2: Consumer Benefits and Market Impact - A consumer named Sun benefited directly from the "government subsidy + interest-free installment" model, receiving a national subsidy of 11,000 yuan and financing the remaining 58,000 yuan with zero down payment and monthly payments of less than 5,000 yuan [3] - The innovative model amplifies policy effectiveness, with over 66 million consumers purchasing more than 109 million home appliances through trade-in programs this year, indicating a significant push for consumption upgrades [5] Group 3: Sales and Market Dynamics - Haier Consumer Finance's installment service is available in over 1,800 specialty stores nationwide, achieving precise targeting in home appliance consumption scenarios with millisecond-level credit response capabilities [4] - The use of installment tools has become standard in stores, with a notable increase in the proportion of users opting for installments, reflecting optimized consumer funding costs [7] - The collaboration between government and enterprises is expected to replicate and promote consumer incentives across more sectors, injecting lasting momentum into the consumption market [7]