FT商学院

Hire purchase gets a new lease of life
分期付款获得了新的生命

Technology’s biggest failure now is its propensity to be rendered inferior by successive versions
目前,科技产品最大的失败在于它容易被后续版本所取代。
A Radio Rentals shop front in London pictured in the 1990s. Falling electronics prices did for the likes of Radio Rentals, which was a staple of high streets and HP purveyor of TVs and video recorders

Strikes are not the only 1970s comeback. Take hire purchase (HP) payments. These are enshrined in the era’s culture as surely as the bulky TV that dominated British suburban living rooms. Financing, like electronics, has changed massively in the ensuing half century. But there’s a retro vibe to the current crop of offerings, like start-up Raylo’s “lease and reuse” subscription model.

罢工并不是20世纪70年代唯一的回潮现象。以分期付款(HP)为例。这种付款方式在那个时代的文化中占有一席之地,就像笨重的电视机曾经主导英国郊区的客厅一样。在随后的半个世纪里,融资方式和电子产品一样发生了巨大的变化。但当前的产品中有一种复古的感觉,比如初创公司Raylo的“租赁和再利用”订阅模式。

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