促消费再升级 海尔消金多元服务助新市民城市扎根

Core Insights - The implementation of the "Implementation Plan for Enhancing the Adaptability of Supply and Demand for Consumer Goods" by six departments, including the Ministry of Industry and Information Technology, positions consumer finance institutions as key players in stimulating domestic demand and supporting new urbanization [1][3] - Haier Consumer Finance aligns its strategy with the policy's focus on enhancing financial support and diversifying consumer finance products, specifically targeting the needs of new urban residents [1][3] Group 1: Financial Services and Product Offerings - Haier Consumer Finance has developed a comprehensive financial service system that addresses the lifecycle needs of new urban residents in key areas such as home appliances, training, and health [1] - The "Smart Home Installment" product, available through over 2,000 Haier stores, has facilitated a total installment transaction volume of 130 million yuan, resulting in a retail sales increase of over 30% for partner stores [1] - The policy of "0 down payment, 0 interest, 0 fees" significantly lowers the barriers for new urban residents to purchase high-end smart home appliances, with single event transactions during "Double 11" reaching millions [1] Group 2: Market Expansion and Technological Empowerment - Haier Consumer Finance is expanding its service offerings beyond core home appliance consumption to include diverse life scenarios such as vocational training and healthcare, aligning with the aspirations of new urban residents for quality living [3] - The implementation of a multi-modal intelligent risk control system allows for millisecond-level approval responses, enabling new urban residents to complete loan approvals in 3-5 seconds through digital identification methods [3] - This digital service capability has increased the average transaction value by 2.7 times, effectively driving the upgrade of quality consumer goods supply [3] Group 3: Rural Market Penetration and Policy Alignment - Haier Consumer Finance is extending its financial services to county-level and below markets, addressing the "last mile" of inclusive finance and responding to the policy's call for upgrading rural consumer goods [4] - The company’s services have reached multiple provinces and cities, supporting new urban residents in their transition from "settling in cities" to "rooting in cities" [4] - By integrating policy alignment, scenario fusion, and technological empowerment, Haier Consumer Finance is not only providing warm financial services but also driving supply-side upgrades in response to consumer demand [4]