分期服务嵌入场景提振消费意愿

Group 1 - The core viewpoint of the articles highlights the integration of installment services into consumption scenarios as a key driver for boosting consumer finance and stimulating consumption [2][3][4] - Multiple consumer finance companies, including Zhongyuan Consumer Finance and Haier Consumer Finance, have collaborated with banks and industries to offer interest-free installment services, benefiting high-quality users with low default rates [2][3] - Haier Consumer Finance has launched offline installment services, achieving a cumulative transaction volume of 130 million yuan in home appliance installments, providing strong financial support for consumption recovery [2] - Zhongyuan Consumer Finance has integrated e-commerce activities with installment services, benefiting over 3.31 million users and providing discounts exceeding 44.73 million yuan [2][3] Group 2 - Consumer behavior indicates a preference for installment services for large purchases like home appliances, which allows consumers to benefit from national subsidies and financial incentives without affecting their cash flow [3] - The growth of personal consumer loans has effectively met residents' demand for durable consumer goods, as outlined in the "Management Measures for Consumer Finance Company Pilot" [3] - The People's Bank of China and other departments have issued guidelines to encourage collaboration among financial institutions to develop financial products that meet various consumption scenario needs [4] Group 3 - There is an urgent need for innovative financial services and products to better match the consumption of durable goods, focusing on customized designs that cater to the high price and long cycle of these products [4] - Financial services must be precisely embedded in consumption scenarios, with simplified and instantaneous financial experiences being crucial for both online and offline retail [4] - The consumer finance industry is increasingly targeting lower-tier markets, focusing on enhancing consumption vitality in county-level areas through collaboration with logistics and e-commerce platforms [5]