Gome Payment does not "unpack" Gome's payment license through acquisition, but through strategic cooperation with Beijing licensed third-party payment institution Yinyingtong Payment Co., Ltd. ("Yinyingtong"). President Yin Ying said that there is no equity relationship between the two parties, which is a deep and long-term strategic cooperation.
Gome Finance is a model of "finance+scenario+technology", that is, a large number of offline stores and supply chain systems in Gome are combined with Internet finance.
In 20 16, Gome began to comprehensively lay out six major sectors, including consumer finance platform, supply chain finance platform, asset trading platform, payment platform, data cloud platform and traditional financial platform.
Scenarios are the key words of Gome's financial strategy. Relying on stores all over the country, it is transformed into a scene advantage, making up for online deficiencies and integrating diversified businesses. Gome Finance is vigorously expanding consumer finance. According to public information, there are more than 1700 stores under Gome Online, and these stores will become the entrance for its batch conversion customers. Its product "Meiyifen" was launched on August 20 16, and now it has covered more than 300 stores in Gome offline 130 cities all over the country.
In 20 17, Gome's financial consumption installment business has covered 1700 stores and more than 400 cities nationwide. There are two levels of users: those without credit cards and those with low and medium credit cards.
Gome Holding Group defines Gome Finance as "change, innovation and ecology". Gome lays out internet finance, hoping to incite the main retail business and form a "new window" to stimulate future growth.
Gome Finance is highly compatible with Gome's new retail strategy. First of all, finance itself belongs to the service field. In the "product is king" and "service is king", Gome Finance can provide financial services and financial products in the overall service of Gome retail customers.