マレーシアの消費者金融市場

審査期間の終わり頃、多くの地元消費者が、より高い経済的負担に対処するために個人ローンを利用しました。マレーシアの銀行は必要に応じて、より柔軟な返済プランと魅力的な条件の個人ローンを提供してきました。比較的高いインフレと生活費危機というマレーシア経済の不確実性が、2023年に銀行がこうした個人ローン商品を提供するよう刺激しています。

当レポートでは、マレーシアの消費者金融市場について調査し、マレーシアのATMカード、スマートカード、クレジットカード、デビットカード、チャージカード、プリペイドカード、ストアカードの市場規模と構造を分析・予測し、市場の主要参入企業の動向など、戦略的な分析を行っています。

目次

エグゼクティブサマリー

• 2023年の消費者金融：全体像
• 2023年の主要動向
• 政府が初めての住宅購入者を支援する中、住宅ローン/住宅は健全な価値成長を続けている
• BNPL（後払い決済）傾向が新規参入企業とともに強化
• 消費者金融の今後の見通し

市場データ

免責事項

情報源

マレーシアの消費者信用

主要なデータ調査結果

2023年の発展

• マレーシアの融資残高にさまざまな反応を引き起こすマクロ経済的要因と環境的要因
• BNPL（後払い決済）参入企業が継続的に増加し、eコマースショッピング企業に対応
• 電気自動車（EV）の成長傾向により、EV所有者に合わせたカスタマイズされた割賦購入ローンが開始される

見通しと機会

• 金利上昇により消費者信用需要が脅かされる
• 個人融資、自動車融資、耐久財は発展と成長が見込まれるが、耐久財融資は停滞する可能性が高い
• 政府がBNPL（後払い決済）の規制を強化

カテゴリーデータ

Towards the end of the review period, many local consumers took out personal loans to cope with higher financial burdens. Malaysian banks have offered personal loans with more flexible repayment plans and more appealing terms when required. The economic uncertainty in Malaysia, with relatively high inflation and a cost of living crisis, is stimulating banks to offer such personal loan products in 2023.

Euromonitor International's Consumer Lending in Malaysia report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

• Get a detailed picture of the Consumer Lending market;
• Pinpoint growth sectors and identify factors driving change;
• Understand the competitive environment, the market's major players and leading brands;
• Use five-year forecasts to assess how the market is predicted to develop.

TABLE OF CONTENTS

List Of Contents And Tables

EXECUTIVE SUMMARY

• Consumer lending in 2023: The big picture
• 2023 key trends
• Mortgages/housing continues to enjoy healthy value growth as the government aids first-time home buyers
• Buy Now Pay Later trend strengthens with new players
• What next for consumer lending?

MARKET DATA

• Table 1 Consumer Lending: Outstanding Balance by Category: Value 2018-2023
• Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
• Table 3 Consumer Lending: Gross Lending by Category: Value 2018-2023
• Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023
• Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
• Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
• Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
• Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
• Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2023-2028
• Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2023-2028
• Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2023-2028
• Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2023-2028

DISCLAIMER

SOURCES

• Summary 1 Research Sources

CONSUMER CREDIT IN MALAYSIA

KEY DATA FINDINGS

2023 DEVELOPMENTS

• Macroeconomic and environmental factors causing a mixed reaction in outstanding loans in Malaysia
• Continuous rise in Buy Now Pay Later (BNPL) players caters to e-commerce shopping players
• Growing trend of electric vehicles (EVs) leads to the launch of customised hire purchase loans to cater to EV owners

PROSPECTS AND OPPORTUNITIES

• Higher interest rates threaten consumer credit demand
• Personal lending and auto lending and durables to see development and growth but durables lending is likely to stagnate
• Government to increase regulation of Buy Now Pay Later (BNPL)

CATEGORY DATA

• Table 13 Consumer Credit: Outstanding Balance by Category: Value 2018-2023
• Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
• Table 15 Consumer Credit: Gross Lending by Category: Value 2018-2023
• Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023
• Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2023-2028
• Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2023-2028
• Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2023-2028
• Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2023-2028