Recently, Haier Consumer Finance Co., Ltd. officially released the 'home appliances loans' products.It is reported that Haier consumer finance 'appliance loans' to 'hi pay APP' as the carrier, mainly providing home appliance installment and credit loan services. Item service, that is, 'Haier appliance staging + Haier user credit loan + Haier member rights', while helping the industrial upgrading and stimulating the sales of the entity, and operating lifelong users to build the system of honest value.
The release of 'Home Appliances Credit' is an important manifestation of Haier's consumer finance based on household consumption needs and Haier's industrial layout and financial service platform. In fact, Haier's consumer finance has gone through three years of development since it was opened in December 2014. As a nationwide The first industry-financed industry-finance integrated national consumer finance company, Haier consumer finance is integrating production and financing and is dedicated to providing innovative, differentiated and diversified financial services to the industry chain.
'1 + 1' layout to optimize user experience
Mobile Internet is changing every scene of human society, and finance is no exception.In today's era of large-scale Internet consumer finance through financial technology and Internet technology to meet the individual needs of users to provide professional, convenient Reliable financial services.
For Haier's consumer finance, its '1 + 1' model serves as its own core layout and allows financial behaviors to be integrated into the user's life scene. The so-called '1 + 1' The product "spend flowers APP." The former positioning life financial services platform, the latter positioning young people's credit loan app.Haier Consumer Finance official said, 'Enough' is to provide the current young people a lightweight product for the They complete the first credit accumulation in life; and 'Hey pay' is even more significance of financial Haier layout scene.
This reporter has learned, 'Hey pay' including credit loan, online product staging, offline scan code staging and membership services and other functions, not only can link online and offline, you can also link the various consumer scenarios, the launch of 'home appliances loans' That is its typical form of expression.At the same time, hi pay also output a standard staging product 'Hey pay white bar', the user can do three seconds experience, zero manual intervention, automatic approval of the loan.
Take Haier members to buy a refrigerator in the mall for example, the user can 'pay attention to white bars' for 12 installments, and enjoy the daily Sun Yat-sen logistics and on-site service, but the user only on time In this process, the user will also be based on their credit rating, enjoy the highest 200,000 line of credit exclusive financial services.Haier Consumer Finance responsible person told reporters: 'The future, regardless of the user from any channel to buy Haier appliances, Haier Consumer Finance will also be combined with the user's credit rating, to provide them with the appropriate amount of 'home appliances credit' service.
Development scene Financial sharing 16 ecosystem
In addition to the overall layout of '1 + 1', Haier Consumer Finance also links a variety of external resources in the hope of resource sharing and brand synergy. Up to now, Haier Consumer Finance has linked 16 ecological resources and obtained ten million Ecological user resources, the scene covers home improvement, home, tourism, education, 3C, medical and beauty, rental and other consumer areas.
In fact, many internet micro-loan companies rapidly roll away 'hot money' in the industry through 'cash loans' that anticipate an annualized high interest rate, brutal collection and misuse of personal information. However, this unhealthy approach also allows the entire consumer finance industry Full of doubts and insecurities, and Haier consumer finance in collaboration with a variety of external resources to promote scene finance, that is, to improve the domestic financial environment, so that the consumer finance industry, the original clean-up behavior.
Relevant person in charge of consumer finance at Haier said: "Haier's consumer finance brings together multiple resources to explore scenario finance. This helps to meet the financial needs of users in all life stages and life scenarios, and links eco-resources through financial links and scenarios. From cutting the cake to sharing 16 user resources in the ecosystem, from the PK spread to obtaining ecological income, Haier will eventually create a consumer-centric IOT to create a shared consumer financial community platform.
At present, Haier Consumer Finance has accumulated service to millions of home users, the service network throughout the country 338 cities.The official said, Haier consumer finance vision is to link the scene, sharing of ecology, financial 'empowerment' of the real industry, an industry Leading life financial service platform.