株式会社グローバルインフォメーション
TEL: 044-952-0102
表紙
市場調査レポート

中国における個人投資商品市場

Personal Investment Products - China - June 2015

発行 Mintel China 商品コード 335233
出版日 ページ情報 英文
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=115.27円で換算しております。
Back to Top
中国における個人投資商品市場 Personal Investment Products - China - June 2015
出版日: 2015年06月30日 ページ情報: 英文
概要

中国では、投資商品の人気がますます高まっています。中国の消費者にとって、現在では投資商品を買うことが最も一般的な家庭内資産管理手法となっています。これには中国における預金率の低さと一般消費者の可処分所得が増加してきたことが寄与しています。中国の消費者は一般に投資のリスクとリターンだけに意識が集中していますが、投資商品に対しては詳しくなく、実際に投資商品を選ぶ際には専門家や詳しい人たちの意見を頼りにする傾向があります。

当レポートでは、中国における個人投資商品の市場について精査しており、市場動向、課題、マクロ経済的背景、ならびに消費者動向をさまざまな角度から詳細に検証し、個人投資商品市場の現在、将来、また中国の消費者が投資商品を選ぶとき最も重視する点、個人投資家のタイプ分類など深い分析を加えています。

第1章 序論

  • 定義
  • 調査手法
  • 略語

第2章 エグゼクティブ・サマリー

  • 消費者
  • 誰が家庭の財務状況を管理しているか?
  • 消費者は貯蓄より投資を選ぶ
  • 消費者は低額でも済む投資商品を望む
  • 十分な知識を持っていないことが投資に対する最大の障壁となっている
  • 中国の消費者の考慮要素はリスクとリターンに集中している
  • 中国の個人投資家は他者の勧めに頼っている
  • 一般に中国の個人投資家は今なお極めて保守的
  • Mintelが特定した4つの消費者分類
  • 都市消費者層
  • 重要項目
  • Mintel Chinaの考察

第3章 市場の課題と重要点

  • 中国の個人投資家はどこまで洗練されているか?
    • 市場データ
    • 市場への影響
  • 金融商品のイノベーションにYu'E Baoの教訓を適用
  • より良い体験が提供できるよう取引の手続きを簡単化
  • 中国の個人投資家を引き込むため投資をより興味深いものにする

第4章 トレンド応用

  • 子供は子供のままで
  • 専門家への回帰
  • 最悪に備える

第5章 背景 - 現在のマクロ経済条件および人気の高い投資商品

  • 可処分所得の増加が個人投資商品に対する強い興味をかき立てる
  • PBOC (中国人民銀行)の通貨政策は投資市場に有利
  • 2014年の中期以来株式市場は上向き
  • 中国市場における一般的投資商品

第6章 消費者動向 - 家庭内財務管理方法

  • 誰が家庭内の財務管理を行っているか?
  • 消費者は投資商品により高いリターンを求める
  • 男性の方が女性よりも積極的な投資家となる
  • 投資商品の持ち主は大幅に富裕層に偏っている
  • 教育レベルが高いと投資への熱意も高い

第7章 消費者動向 - 投資商品の所有者

  • 投資商品の人気
  • 人々を投資専門家として扱う
  • 高齢化に伴い保険の需要が増大する

第8章 消費者動向 - 投資商品を買わない理由

  • 知識不足が最大の障壁
  • 人々が最も心配するのは株式に投資したときのハイリスク
  • 理財商品のイノベーションにより少額から始められるようにする

第9章 消費者動向 - 投資商品を選ぶ際の重要な考慮要素

  • リスクとリターンが関心の中心
  • 女性と若年消費者層が定期的な投資プランに適する
  • 高額所得者層は表面をかじるだけでなく深く追求する傾向が強い

第10章 消費者動向 - 情報源の信頼度に対する意見

  • 消費者はほとんど他者の勧めを頼りにしている
  • 男性と比較すると女性はさほど積極的な投資家にはならない
  • ティア2およびティア3都市の消費者は銀行に依存する傾向が強い

第11章 消費者動向 - 個人投資商品に対する考え方

  • ほとんどの消費者が持ち金を全て一カ所に注ぎ込むことには反対している
  • 一般に中国の個人投資家は今なお極めて保守的

第12章 消費者動向 - 消費者分類

  • さまざまな消費者層
  • 知識を持った楽天的消費者(23%)
  • 「よく働く」自分自身を信頼している消費者(25%)
  • 保守的な貯蓄を選ぶ消費者(25%)
  • 無関心な消費者(27%)

第13章 消費者動向 - Mintropolitan (都市消費者)

  • なぜMintropolitanか?
  • Mintropolitanとは?
  • Mintropolitanは積極的で洗練された投資家
  • Mintropolitanは健全な投資戦略を用いる
目次

“Most individual investors in China are not sophisticated yet. This gives financial institutions a good opportunity to provide professional suggestions and help people make better investment decisions. Financial institutions should also lower the minimum investment amount required, simplify the transaction procedures and enrich the meaning of making investments to engage more consumers to buy investment products.” - Linda Li, Senior Research Analyst.

In this report, Mintel answers the following key questions:

  • What is the current development stage of the personal finance market in China? How sophisticated are the individual investors in China?
  • What are the preferences of Chinese consumers when choosing investment products?
  • What are the important consideration factors when Chinese consumers choose investments?
  • What are the main types of investors in China?

Financial investment products are becoming popular in China. Mintel research finds that investing in financial products is currently the most popular way for Chinese consumers to manage household finance. This is attributed to both the lower deposit rate in China and the rising disposable income of Chinese people.

As the central bank is likely to lower the interest rate again in the future to further stimulate the economics, Chinese consumers are likely to contribute more savings to buy financial investment products.

However, Chinese consumers in general are not skilful and savvy enough in choosing investment products. They are likely to focus on the return and risks, and rely on professionals or more knowledgeable people to give directions and recommendations.

They also tend to think they need more knowledge before buying financial investment products. Financial institutions should provide added value to the consumers by educating them, guiding their choices in financial products and simplifying the transaction process.

Table of Contents

1. Introduction

  • Definition
    • Figure 1: Definition of low/middle/high income groups, by city tier
  • Methodology
  • Abbreviations

2. Executive Summary

  • The consumer
  • Who are managing the household finances?
  • Consumers prefer investing to saving
    • Figure 2: Ways of managing household disposable income, April 2015
  • Consumers prefer investment products that require low minimum investment amount
    • Figure 3: Ownership of investment products, April 2015
  • Not having enough knowledge is the biggest barrier against investing
    • Figure 4: Reasons for not buying financial investment products, April 2015
  • Chinese consumers' consideration factors concentrate on risks and turns
    • Figure 5: Important consideration factors in choosing investment products, April 2015
  • Chinese investors rely on recommendations from others
    • Figure 6: Opinions on the credibility of information sources for choosing investment products, April 2015
  • In general, Chinese investors are still quite conservative
    • Figure 7: Attitudes towards personal investment products, April 2015
  • Four consumer segments identified by Mintel
  • Meet the Mintropolitans
  • Key issues
  • How sophisticated are investors in China?
  • Apply the learning from Yu'E Bao in financial product innovation
  • Simplify the transaction procedures to offer a better experience
  • Make the investments more interesting to engage Chinese investors
  • What we think

3. Issues and Insights

  • How sophisticated are investors in China?
  • The facts
  • The implications
  • Apply the learning from Yu'E Bao in financial product innovation
  • The facts
  • The implications
  • Simplify the transaction procedures to offer a better experience
  • The facts
  • The implications
  • Make the investments more interesting to engage Chinese investors
  • The facts
  • The implications

4. Trend Application

  • Let Kids be Kids
  • Return to the Experts
  • Prepare for the Worst

5. Background - Current Macroeconomic Conditions and Popular Investment Products

  • Key points
  • Rising disposable income drives enthusiasm in personal investment products
  • PBOC's monetary policies favour the investment market
    • Figure 8: Benchmark lending and deposit rate in China, October 2010-May 2015
  • The bullish stock market since mid-2014
  • Common financial investment products in China market
    • Figure 9: Comparison of common financial investment products in China

6. The Consumer - Ways of Managing Household Finance

  • Key points
  • Who are active in managing household finances?
    • Figure 10: Responsibility of managing household disposable income, by age, April 2015
    • Figure 11: Responsibility of household disposable income, by demographics, April 2015
  • Consumers seek higher return from financial investment products
    • Figure 12: Ways of managing household disposable income, April 2015
  • Men are more active investors than women
    • Figure 13: Ways of managing household disposable income, by gender, April 2015
  • Investment ownership strongly skews to the well off
    • Figure 14: Ways of managing household disposable income, by monthly personal income, April 2015
  • Education level drives investment enthusiasm
    • Figure 15: Ways of managing household disposable income, by education level, April 2015

7. The Consumer - Ownership of Investment Products

  • Key points
  • Popularity of financial investment products
    • Figure 16: Ownership of investment products, April 2015
    • Figure 17: Ownership of investment products, “I have never bought this”, April 2015
  • Treat men as expert investors
    • Figure 18: Ownership of investment products, “Have bought this product”, by gender, April 2015
    • Figure 19: Ownership of investment products, “I own it currently”, by gender, April 2015
  • The demand for insurance goes up as people get older
    • Figure 20: Ownership of insurance products, “I own it currently”, by age and income, April 2015

8. The Consumer - Reasons for Not Buying Financial Investment Products

  • Key points
  • Lack of knowledge is the biggest barrier
    • Figure 21: Reasons for not buying financial investment products, April 2015
  • People are most worried about the high risk of investing in stocks
  • Help people to start small by innovating wealth management products

9. The Consumer - Important Consideration Factors When Choosing Financial Investment Products

  • Key points
  • Risk and return are core concerns
    • Figure 22: Important consideration factors in choosing investment products, April 2015
  • Women and younger consumers are more suitable for regular investment plans
    • Figure 23: Important consideration factors in choosing investment products, by gender and age, April 2015
  • High earners are more likely to look beyond the surface
    • Figure 24: Important consideration factors in choosing investment products, by monthly household income, April 2015

10. The Consumer - Opinions on the Credibility of Information Sources

  • Key points
  • Consumers mostly rely on recommendations from others
    • Figure 25: Opinions on the credibility of information sources for choosing investment products, April 2015
  • Compared to men, women are less active investors
    • Figure 26: Opinions on the credibility of information sources for choosing investment products, by gender, April 2015
  • Consumers from tier two/three cities rely much more on bank staff/wealth managers
    • Figure 27: Opinions on the credibility of information sources for choosing investment products, by city and tier, April 2015

11. The Consumer - Attitudes towards Personal Investment Products

  • Key points
  • Most consumers agree it's better not putting all your eggs in one basket
    • Figure 28: Selected attitudes towards personal investment products, April 2015
  • In general, Chinese investors are still quite conservative
    • Figure 29: Selected attitudes towards personal investment products, April 2015
    • Figure 30: Agreement with selected attitudes towards personal investment products, by age and monthly household income, April 2015

12. The Consumer - Segmentation

  • Key points
  • Mapping out the different consumer clusters
    • Figure 31: Target groups, April 2015
  • Knowledgeable optimists (23%)
  • “Hard-working” self-believers (25%)
  • Conservative savers (25%)
  • The unconcerned (27%)

13. The Consumer - Meet the Mintropolitans

  • Why Mintropolitans?
  • Who are they?
    • Figure 32: Demographic profile of Mintropolitans versus Non-Mintropolitans, by gender, age and personal income
    • Figure 33: Demographic profile of Mintropolitans versus Non-Mintropolitans, by marital status, city tier and education level
  • Mintropolitans are active and sophisticated investors
    • Figure 34: Ways of managing household disposable income, by consumer classification, April 2015
    • Figure 35: Important consideration factors in choosing investment products, by consumer classification, April 2015
    • Figure 36: Opinions on the credibility of information sources for choosing investment products, by consumer classification, April 2015
  • Mintropolitans adopt a sound investment strategy
Back to Top