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Banks Compete For "Luxury" Online.

2013/5/15 19:59:00 5

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song sung pan is an ordinary wage earner. Before seeing a luxury bag in the shopping mall, "a bag needs more than 10000 yuan, let me pay three or four months' salary to buy a bag. It's really too luxurious." Recently, however, colleagues found that song Dang Pan had wrapped the luxury bag in its pocket. She said that her dream came true thanks to the online shopping mall luxury competition between banks. "The same package purchased from the bank online shopping mall is more than 2000 yuan lower than the market price, and it can choose 12 month installments without interest and fee, and only more than 800 yuan per month." The sale of luxury goods online has become a killer. This time, the Internet has linked banks with luxury goods. 
 more recently, a number of credit card online shopping centers have opened up luxury areas. As long as you are the credit card holder of the bank, you can buy luxury goods such as GUCCI and PRADA when you login to the website. 
 reporters read on the official website of several banks yesterday. At present, the online shopping mall of China Merchants Bank, Minsheng Bank, Everbright Bank and Guangdong Development Bank has opened up a luxury area. Even if there is no bank that specializes in luxury District, there are also many luxury brands in the online shopping mall. Reporters at the Dragon bank mall of the Construction Bank saw that many brands of world-renowned luxury brands have been stationed, including the fashion brands such as Ferragamo, Prada and Fendi, as well as the cosmetics brands such as Givenchy and Lancome. 
Less than P, the most attractive consumer is the luxury goods below the market price. The reporter saw that many banks' credit card online shopping centers are selling products such as mobile phones, computers, SLR cameras, but the price is flat with the market price. If some products choose installment payment, the price is still slightly higher than the market price. In contrast, the price of luxury goods has become "close to the people". 
 a lady's handbag, which is sold by a bank credit card online store, for example, has a market price of 10300 yuan, but it only needs 6500 yuan if the credit card is paid by installments, and the exemption from free service charges. Then, take the example of a classic leather sheepskin locomotive of the Paris BALENCIAGA, the market price is 13300 yuan. If you buy it online, you only need 11990 yuan. If you choose the installment payment of the 24 installment, the repayment amount for each period is 499.58 yuan per GUCCI. 
Recently, some journalists have learned that the luxury goods area of some banks has launched the marketing activities with group buying as the theme. For example, the website of the China Merchants Bank launched the "luxury party crazy shopping" activities, including 19 single brands, including luxury brands such as GUCCI, Po Tejia, Dior and so on. The price of the mall group purchase is much lower than the market price. Taking a PRADA women's shoulder bag as an example, the market reference price is 13600 yuan, the mall price is 11600 yuan, and the price is 14.7% cheaper. If the credit card installment payment is chosen, it is a free interest free service charge, and if the luxury goods purchased amount to 5000 yuan, a COACH scarf will be sent. Group 
 the threshold of these group buying activities is relatively low. Generally, only 5 or 10 people are eligible to become a group. Once the group becomes a group, the price advantage is more obvious. Taking the classic shopping bag of GUCCI as an example, the market price is 5800 yuan, but if it participates in the luxury group buying activity of a bank online shopping mall, it only needs 4580 yuan. 
 although the online shopping mall of many banks has opened up luxury area, the supply level of goods is not the same. Some banks have more luxury products. Taking the CCB's online shopping mall as an example, there are only 100 brands of Prada sunglasses, bags, suitcases, wallet and so on. The price ranges from 10000 yuan to several thousand yuan. 
 reporters see that although some banks follow suit in the credit card online mall opened up luxury area, and most of the luxury brands are listed among them, but after many brands of pages are opened, there is no specific single product. 
 except for insufficient merchandise, the reporter saw from a number of banks that luxury goods launched by some online shopping centers were lower than the price of the counters, but most of them were not new in season. Some of the products were not as colorful as the counters. For example, the Paris family motorcycle bag of a bank website has many colors, but if customers purchase through the bank online shopping mall, they only have a gray color to choose from. 
 most of the people are so cold and clear that banks can make a loss if they lose money. 
 besides the shortage of goods, not the new season, another problem for banks to sell luxury goods online is a slightly deserted popularity. Although some banks sell luxury goods online, they can attract people to sign up with the form of group buying, but most of the banks are in the luxury area. 
 a joint-stock bank luxury area recently launched a series of luxury group buying activities, but only one type of product enlists nearly 100 people, most of the other single products are not available. One of the original price is 14000 yuan, as long as 10 people sign up the price of the Paris family motorcycle bag which can be as low as 9800 yuan. After a certain period of activity, the number of applicants is still 0. Reporters saw many banks online shopping mall luxury area, under the single product "customer reviews" place is mostly 0. Why do banks lose money? Insiders say that banks are fighting for a huge credit card market. 
 in the interview, some consumers have said that they would not choose to buy the luxury goods with a slightly lower price through the bank online shopping mall. They are worried that these thousands of thousands of yuan goods can not be fidelity. 
 reporters understand that most of the luxury goods sold in the luxury shopping area of most online banking mall are rarely purchased by the banks themselves. They are mostly supplied by third party companies, and journalists open a top luxury area of a joint stock bank, showing that the bank is cooperating with the three websites, and the problem of genuine and fake products is difficult to guarantee.