Re: [問題] 為什麼購物中心鼓勵分期?
直接看數字比較快:
1. 購物平台抽多少?
商品總價的10~30%
所以如果特價打八折的話 那東西一定可以買 因為接近進貨價了
而且還免運...
2. 廠商何時拿到貨款?誰給?
通常是1個月後,購物平台直接給廠商貨款.
3. 購物平台何時拿到貨款?誰給?
現在通常購物平台會在鑑賞期後請款,通常是 d+7
然後銀行會在跟購物平台約定的時間,把款項 100% 給購物平台.
4. 100%? 那零利率分期手續費誰出?
當然是銀行啊!
你看看生活周遭有零利率分期的..
中華電信會幫你出手續費嗎? 不會
購物平台會幫你出手續費嗎? 同樣也不會
這些都是銀行自行吸收的
坦白來說 這只是鼓勵衝動消費的手段 那一點點手續費對銀行真的沒差
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