At The End Of The Year, The Market Was Overdrawn After The Overdraft, And &Nbsp Was Spent.

A long-awaited product has been cut down, businesses can also pay installments, and the bank has raised the credit card limit at this time, whether to buy or not to buy. From the end of this week, Christmas, new year's day and Spring Festival are coming in a month.

Discount season attracts "blood group"

Reporters learned from relevant departments in Shanghai that on Christmas Eve and December 31st, several business circles and commercial streets in Shanghai will extend their business hours until two o'clock the next morning. Some businesses will even launch special promotions throughout the night.

Last year "

Reporters on the 22 day in Pudong, the first eight hundred friends to the consumer's identity to inquire, a number of categories of staff members of the cabinet suggested that reporters may wish to wait until the weekend to buy, "a big margin."

Last year's new year, Pudong's first eight hundred friends in the 18 hours of business hours, the total sales of 556 million yuan, refresh its own creation of the national single department store sales on a single day the highest record.

Some shopping malls on two commercial streets in Nanjing road and Huaihailu Road are also busy with price adjustment. Businessmen explicitly told reporters that the weekend purchase of goods "the most cost-effective".

And in Suning, Gome, Yongle and other home appliance chain stores, businesses have launched special products to welcome the last wave of consumption.

Shanghai Suning Appliance (micro-blog) (8.53, -0.02, -0.23%) will launch 2012 home appliances on sale at the zero hour of the new year. Gome also claims that the best price for group purchase goods is up to 22% off.

Miss Jiang, who works in a foreign bank, told reporters that at the end of the year, 14 new household appliances were needed for the renovation of new houses. This week, almost every day after work, they were visiting home appliance stores, selling goods by three.

"The last one agreed to give me 25% off, and a gift, which saved nearly twenty thousand yuan."

Some wage earners are planning to go shopping on the day of big sales promotions, and even shoppers have announced the "shopping spree" strategy on the Internet.

Last year, Mr. Wang, who spent 6 hours shopping in the new world (7.48,0.06,0.81%) store in Shanghai last year, told reporters that holiday shopping should be psychologically prepared. Over half of the time may be spent on queuing payments, and shopping space should be replaced by shopping time, so that people can love and hate this kind of consumption together.

Credit card promotes consumption and encourages overdraft.

"From now on, your credit card amount will be raised to 15000 yuan. Enjoy your shopping."

Near the new year's day and Spring Festival holidays, Miss Huang, a white collar worker in Shanghai, has recently received a call from a credit card center. Because of its good credit, the center decided to upgrade Miss Wong's credit card to gold card, and the previous Puka credit line could still be used.

Miss Wong's credit limit increased by more than 100% during the holiday season.

A head of a credit card center in Shanghai said that whenever holidays approached, they would raise the quota of some customers with better credit, in order to satisfy their customers' demand during the holiday season, and on the other hand, they could promote customers to spend money through credit cards.

Another credit card center has revealed that the temporary promotion of holidays is a common practice in the credit card industry. The card center has measured the increase of the quota. The temporary increase in the amount can promote more consumption to pay by credit card.

The increase in banks is not the same, and the average increase in the bank is around 20%.

In order to encourage consumers to "overdraw", a household appliance chain store in Shanghai and many banks jointly launch the installment business, so long as they spend a certain amount of money, they can apply for installment payment, "0 down payment, 0 interest rate and 0 handling fee", and businesses and banks will bear 6% of the cost and interest of credit card consumption.

According to the introduction, only this month in October, the "30 phased" credit consumption has exceeded 700 million yuan.

Experts remind that the fixed amount of credit card is different from that of the credit card. The amount of temporary increase has a time limit, usually 1 months. After the specified time, the credit card is restored to its original quota.

Therefore, the credit card users should repay the loan in a timely manner after the "one brush". Otherwise, they will have a penalty interest.

Induced consumption triggering worries about "cold market" after the festival

In fact, since the "eleven" golden week, businesses have racked their brains to change the concept of manufacturing to stimulate the consumer market, for example, the "double eleven" in November 11th and the "double two" in December 12th have also become promotional festivals.

Such a strong marketing offensive will undoubtedly overdraw the market demand after the festival.

Tao Jinghai, general manager of Suning Appliance in Shanghai, said, generally speaking, a "eleven" golden week can accomplish about 15% of the annual sales task, while the three holidays of Christmas, new year's day and Spring Festival should exceed the sales volume of "eleven" golden week.

The "gathering effect" of household appliances consumption is becoming more and more obvious.

Unlike in previous years, December 31st will be the last day for household appliances to be replaced by old ones. The effect of consumers taking the last bus is obvious. From December sales, the proportion of "old to new" has increased from 70% last month to more than 90%.

According to the industry, according to the Convention, after the Spring Festival to the May 1, will be the off-season sales of home appliances.

Qi Xiaozhai, director of Shanghai Commercial Economic Research Center, told reporters that centralized consumption will undoubtedly overdraw market demand. From past years, the 1-2 months after the Spring Festival are low consumption, and this year's Spring Festival is relatively early. Therefore, it is foreseeable that the -3 month in February next year will be deserted.

Holiday oriented consumption guided by price cuts will bring short-term sales surges to businesses, but will also create pressure on sellers' sales ability and service levels, causing consumers to complain and protect their rights.

The ideal way to promote sales should be to segment the market, open up the consumption period according to different consumption needs, and provide customers with a better shopping experience.

The head of a sales company of a color TV enterprise told reporters that now the appliance manufacturers are also fond of and hate for holidays. First, they can really drive sales. A golden week sometimes exceeds the sales volume of one month in the off-season. Usually, sales promotion is difficult to achieve the desired effect; two, manufacturers must invest a lot of promotional resources to attract consumers by price advantage, and finally, they often lose money and earn money.

It is reported that domestic brand color TV operators have been losing money in the Shanghai market.

The sales director of a high-end clothing brand in China told reporters that after deducting the rents and other sales costs, sales in the physical stores had been difficult to make profits. More emphasis was placed on the display effect in the shopping malls, which was also equivalent to advertising input.

Now the company has been selling through the online shopping mall, and has a seasonal discount sale.

"Businessmen are very willing to give back the cost savings to consumers, but they are afraid that the low price of the Internet will cause a greater impact on the physical store. At present, we can only do the wrong operation and sell different styles under the Internet."