Group 1 - The core viewpoint of the articles is that Minsheng Bank Chengdu Branch is actively implementing national policies to promote consumption and stabilize growth by innovatively combining "National Subsidy Loan" and "Tianfu Service Guarantee Loan" to support small and micro enterprises in sectors like home appliances and digital products [1][3][4] - The Chengdu Branch has successfully issued a loan of 1.5 million yuan to a local appliance company, addressing their liquidity needs during the peak sales season, which demonstrates the bank's responsiveness to business demands [3][4] - The "Tianfu Service Guarantee Loan" is part of a policy product system aimed at supporting small and micro service enterprises, with the provincial government providing a 1.5% interest subsidy on the loan amount, significantly reducing the overall financing costs for businesses [3][4] Group 2 - The successful implementation of this business model reflects Minsheng Bank Chengdu Branch's commitment to supporting small and micro financing and integrating financial resources with consumption policies [4] - The bank plans to deepen collaboration with government departments and guarantee institutions to continuously optimize service models, providing efficient, convenient, and low-cost financial support to eligible enterprises [4][5] - This initiative aims to inject financial momentum and support the high-quality development of the economy in Sichuan, contributing to the recovery of the consumer market [4][5]

Core Viewpoint - The live-streaming sales model is becoming increasingly crowded and has entered a phase of reshuffling and adjustment, making it not the best option for many home appliance dealers [3][4]. Group 1: Market Dynamics - A significant number of home appliance dealers are turning to live-streaming sales as a means of self-rescue, driven by the encouragement of home appliance companies [3][4]. - The decline in offline sales, shifting consumer behaviors, and the fading effectiveness of traditional competition methods have forced many dealers to adopt live-streaming as a last resort [4][5]. - The live-streaming sales model has already passed its lucrative phase, and the market is rapidly entering a new round of reshuffling, leaving limited opportunities for new entrants [3][4]. Group 2: Challenges and Realities - The perception that live-streaming sales have low barriers to entry is misleading; it requires professional knowledge, continuous investment, and sustained effort [3][5]. - Many dealers are unprepared for the high customer acquisition costs associated with online sales, which currently exceed those of offline methods [5][6]. - The timeline from starting a live-streaming account to generating sales is lengthy, necessitating a strategic approach to content and audience engagement [5][6]. Group 3: Strategic Considerations - The focus should not solely be on immediate sales but rather on the exploration and learning process that comes with engaging in live-streaming [5][6]. - Dealers must respect market dynamics and the professional barriers of live-streaming, exploring multiple channels and methods to uncover better opportunities [6].

Core Insights - The survival of home appliance distributors post-May 2025 is a critical challenge, with all players facing a complex and changing market environment [2] - Traditional methods of operation are no longer effective; distributors must engage directly in sales and customer service [2][3] - A shift in strategy is required, focusing on understanding user needs rather than relying solely on financial investment or low pricing [2][3] Market Conditions - Distributors report a challenging market with difficult sales, yet there are still opportunities for those willing to adapt and work hard [2] - Many distributors are busy but see little return on their efforts, indicating a disconnect between activity and profitability [2][3] - The current market environment has led to a cautious approach among manufacturers, with many hesitant to invest despite having resources available [3][4] Business Strategies - Distributors must commit to long-term investments in marketing and customer engagement, rather than seeking immediate results [3][4] - Companies that adopt a multi-channel approach, combining online and offline strategies, face the risk of short-term losses but must continue to invest for brand continuity [4] - The challenges faced by distributors are framed as existential, with the need to adapt or risk failure [4] Distributor Categories - Distributors can be categorized into three groups based on their capabilities and strategies: 1. Those lacking strength and unwilling to adapt, likely to exit the market soon [5] 2. Ambitious but resource-limited distributors who are actively seeking opportunities, with a better chance of success [5] 3. Strong and determined distributors who view market participation as a new venture, focusing on sustained efforts and adaptability [5]