市場調査レポート

中国の資産管理産業の新たな機会:市場規模・戦略・商品・競争環境

Emerging Opportunities in the Chinese Wealth Management Industry: Market Size, Strategies, Products and Competitive Landscape

発行 BRICdata 商品コード 245169
出版日 ページ情報 英文 75 Pages
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中国の資産管理産業の新たな機会:市場規模・戦略・商品・競争環境 Emerging Opportunities in the Chinese Wealth Management Industry: Market Size, Strategies, Products and Competitive Landscape
出版日: 2012年06月18日 ページ情報: 英文 75 Pages
概要

中国の試算管理市場は、高いGDP成長率や、富裕層人口・資産の増加、政府による金融業規制の強化、組織化された企業のシェア増大などを背景に、有望な市場へと変化しています。中国の富裕層の人口(2007〜2011年)は年平均(CAGR)で8.96%、資産総額は同9.77%の速度で増加しています。

当レポートでは、中国の富裕層(HNWI:High Net Worth Indivisuals)むけ資産管理産業について分析し、市場の規模と特徴(富裕層の人口と資産額・資産構成など)、中国国内の代表的な資産管理商品の事例、成長の促進要因、各企業が取るべき成長戦略、解決すべき課題、競争構造、主要企業のプロファイルなどを調査・推計・考察して、その結果を概略以下の構成でお届けします。

第1章 エグゼクティブ・サマリー

第2章 市場環境

  • マクロ経済のファンダメンタルズ
    • GDP(固定価格)
    • インフレ率
    • 年間可処分所得
    • Shanghai Stock Exchange(上海証券取引所)の時価総額
    • 利子率
  • 規制体制
    • 銀行規制
    • 資産管理の関連規則
    • ヘッジファンドの規制枠組み

第3章 市場規模と成長可能性

  • 中国の資産管理市場の規模:富裕層(HNWI)内部の階層別
    • 富裕層(HNWIs)
    • 超富裕層(UHNWIs)
    • 中核富裕層(core HNWIs)
  • 富裕層(HNWI)の投資:資産の種類別
    • 流動資産(株式・固定収入・現金預金)への投資動向
    • 現金・預金への投資動向
    • 代替的資産
    • 不動産への投資
    • 株式投資の動向
    • 美術品・ワイン・自動車への投資動向

第4章 中国における資産管理サービス

  • ポートフォリオ管理とポートフォリオ・リバランス(全3件)
  • 信託および資産計画・管理(全2件)
  • プライベートバンクとファイナンス(全3件)
  • 投資管理会社・アドバイザリー(全2件)

第5章 市場の傾向と成長促進要因

  • 政府の市場冷却化規制に伴う、富裕層(HNWI)の投資の住宅不動産市場からの振り替え
  • 租税最適化商品は現在、需要がそれほど高くない
  • 富裕層の人口増加に伴う、大きな市場機会の出現
  • 実質GDP成長率
  • 資産管理専門企業への富裕層顧客の乗り換え
  • 金融業者の焦点の、資産管理商品への切り替え
  • 中国市場における資産管理企業の増加
  • オフショア資産管理企業の登場
  • 複数の資産管理会社を活用している富裕層

第6章 マーケティングと成長戦略

  • 個人対応の投資サービスの提供
  • オンライン資産管理サービス
  • 資産管理サービス用モバイル・アプリケーション(全3件)
  • 商品の多様化
  • アセットマネジメント企業との提携
  • 顧客との対話のためのソーシャルメディアの活用

第7章 成功戦略

  • 顧客の効果的な分類
  • 効果的なサービス提供戦略の構築
  • ブランドの構築
  • 顧客資産に占めるシェアの拡大のための、顧客ニーズの明確化
  • コアコンピタンスの構築
  • 投資に関する全方位的な検証

第8章 課題

  • 資産管理商品の未発達
  • 資産管理の専門家の不足
  • 複雑で扱いにくい租税体系
  • 複雑な規制構造
  • 自己管理からの脱却
  • 世代間資産譲渡の需要と若年層の顧客
  • フィランソロピー

第9章 競争環境

  • 産業構造
  • 資産管理企業とプライベートバンク
    • 公営銀行
    • 資産管理企業
    • 私営銀行
    • 外資系銀行と他国正企業(MNC)
    • 合弁企業

第10章 企業プロファイル

  • Bank of China
  • Agricultural Bank of China Limited
  • China Construction Bank Corporation
  • China Merchants Bank Company Limited
  • Ping An Insurance (Group) Company of China Ltd
  • 中国のノンバンク系投資管理企業
    • China Asset Management (ChinaAMC)
    • Credit Suisse China
    • China CITIC Bank

第11章 付録

図表一覧

目次
Product Code: IS2016MR

Synopsis

The report provides detailed market analysis, information and insights, including:

  • In-depth analysis of wealth management strategies adopted by banking and financial institutions in China
  • How companies in China are adopting marketing strategies to succeed in the wealth management industry
  • Key trends and drivers supporting the growth of the wealth management industry in China
  • Challenges faced by companies in the Chinese wealth management industry
  • Company-wise analysis of marketing strategies and product offerings in the wealth management industry

Summary

China's GDP recorded strong annual growth of 9.5% in 2011, growth that is expected to continue over the forecast period. This makes the country an attractive investment location for wealth management firms. Moreover, China has the main components that comprise a high-growth wealth management market, including a very large and young affluent customer base, an improving wealth situation among the global Chinese population, a governmental desire to more tightly regulate the country's financial services, and an increasing share of organized companies as compared to the unorganized workforce. The volume of HNWIs in China increased at a compound annual growth rate (CAGR) of 8.96% during the review period (2007-2011), while the total wealth of China's HNWIs recorded a CAGR of 9.77% during the review period.

Scope

  • This report provides an extensive analysis of the Chinese wealth management industry, including market sizing by asset classification
  • The report highlights various asset classes available for HNWIs and also classifies the investment made by HNWIs in each of the mentioned asset classes
  • It also provides an analysis of the marketing strategies used by banking and financial services companies in China
  • The report provides a detailed understanding of the product offerings of banking and asset management companies
  • It also provides insights into the strategies that companies can adopt to succeed in the industry to strengthen market position

Reasons To Buy

  • Gain in-depth insight into the wealth management industry and the strategies used in China
  • Understand the various market dynamics of the wealth management industry in China
  • Take informed decisions and formulate effective strategies based on the report's detailed market insights on wealth management in China
  • Understand the growth strategies adopted by key companies

Table of Contents

1 Executive Summary

2 Chinese Wealth Management Market Environment

  • 2.1 Macroeconomic Fundamentals
    • 2.1.1 GDP at constant prices
    • 2.1.2 Inflation rate
    • 2.1.3 Annual disposable income
    • 2.1.4 Shanghai Stock Exchange market capitalization
    • 2.1.5 Interest rate
  • 2.2 Regulatory Framework
    • 2.2.1 Banking regulations
    • 2.2.2 Wealth management and related norms
    • 2.2.3 Regulatory framework on hedge funds

3 Market Size and Growth Potential of Chinese Wealth Management

  • 3.1 Market Size of Chinese Wealth Management by HNWIs
    • 3.1.1 High-net-worth-individuals (HNWIs)
    • 3.1.2 Ultra-high-net-worth-individuals (UHNWIs)
    • 3.1.3 The core high-net-worth individuals (core HNWIs)
  • 3.2 HNWI Investments by Asset Class
    • 3.2.1 Investment trends in liquid assets - equity, fixed income and cash deposits
    • 3.2.2 Investment trends in cash and deposits
    • 3.2.3 Trends in alternative assets
    • 3.2.4 Investments in real estate
    • 3.2.5 Investment trends in equity
    • 3.2.6 Trends in art, wine and automobiles

4 Wealth Management Services in China

  • 4.1 Portfolio Management and Portfolio Rebalancing
    • 4.1.1 Bank of China wealth management
    • 4.1.2 China Merchant Bank (CMB) Sunflower financial management planning service
    • 4.1.3 Standard Chartered Bank's investment services
  • 4.2 Trusts and Estate Planning and Management
    • 4.2.1 China Banking Corporation's estate planning services
    • 4.2.2 Weir & Associates trust and planning company
  • 4.3 Private Banking and Financing
    • 4.3.1 ICBC Private Banking Services
    • 4.3.2 China Merchant Bank's Sunflower VIP service
    • 4.3.3 CitiGold private banking
  • 4.4 Investment Management and Advisory
    • 4.4.1 ICBC Perfect Match wealth management product
    • 4.4.2 Bank of China's Zhongyinjifu wealth management investment plan

5 Trends and Growth Drivers

  • 5.1 HNWIs Shifting Investments from Residential Real Estate as Regulations Cool the Market
  • 5.2 Tax Optimization Products Are Not Currently in High Demand
  • 5.3 Increasing Number of HNWIs in China Presents Significant Business Opportunities
  • 5.4 Real GDP Growth Rate
  • 5.5 Chinese Wealth Management Customers are Shifting to Professional Institutions
  • 5.6 Money Lenders are Shifting Their Focus to Wealth Management Products
  • 5.7 Increasing Number of Wealth Management Institutions in the Chinese Market
  • 5.8 Emergence of Offshore Wealth Management in China
  • 5.9 Chinese HNWIs Are Using Multiple Wealth Management Institutions

6 Marketing and Growth Strategies of Chinese Wealth Management Service Providers

  • 6.1 Providing Personalized Investment Services
  • 6.2 Online Wealth Management Services
  • 6.3 Mobile Application for Wealth Management Services
    • 6.3.1 Bank of China's mobile investment management application
    • 6.3.2 Bank of Beijing iPhone application for marketing
    • 6.3.3 ICBC exclusive mobile banking wealth management products
  • 6.4 Product Diversification
  • 6.5 Partnering with Assets Management Companies
  • 6.6 Utilizing Social Media to Interact With Customers
    • 6.6.1 Chinese banks are using social media platforms to build strong relationships with their customers

7 Strategies to Succeed in the Chinese Wealth Management Industry

  • 7.1 Effective Customer Segmentation
  • 7.2 Building an Effective Distribution Strategy
  • 7.3 Brand Building
  • 7.4 Identifying Customer Needs to Increase Share of Wallet
  • 7.5 Building Core Competencies
  • 7.6 360 Degree View of Investment

8 Challenges

  • 8.1 Underdeveloped Wealth Management Products
  • 8.2 Lack of Expert Professionals in Wealth Management
  • 8.3 Complicated and Cumbersome Tax System
  • 8.4 Complex Regulatory Structure
  • 8.5 Move Away From Self Management
  • 8.6 Demand for Intergenerational Wealth Transfer and Younger Clientele
  • 8.7 Philanthropy

9 Competitive Landscape

  • 9.1 Industry Structure
  • 9.2 Wealth Managers and Private Banks
    • 9.2.1 Public sector banks
    • 9.2.2 Wealth managers
    • 9.2.3 Private-sector banks
    • 9.2.4 Foreign banks and MNCs
    • 9.2.5 Joint ventures

10 Company Profiles

  • 10.1 Bank of China
    • 10.1.1 Company overview
    • 10.1.2 Business segmentation
  • 10.2 Agricultural Bank of China Limited
    • 10.2.1 Company overview
    • 10.2.2 Business segmentation
  • 10.3 China Construction Bank Corporation
    • 10.3.1 Company overview
    • 10.3.2 Business segmentation
  • 10.4 China Merchants Bank Company Limited
    • 10.4.1 Company overview
    • 10.4.2 Business segmentation
  • 10.5 Ping An Insurance (Group) Company of China Ltd
    • 10.5.1 Company overview
    • 10.5.2 Business segmentation
  • 10.6 Non-Banking Investment Management Companies in China
    • 10.6.1 China Asset Management (ChinaAMC)
    • 10.6.2 Credit Suisse China
    • 10.6.3 China CITIC Bank

11 Appendix

  • 11.1 About BRICdata
    • 11.1.1 Definitions
    • 11.1.2 Areas of expertise
  • 11.2 Methodology
  • 11.3 Disclaimer

List of Tables

  • Table 1: Chinese GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
  • Table 2: Chinese Inflation Rate (%), 2007-2016
  • Table 3: Chinese Annual Disposable Income (US$ Billion), 2007-2016
  • Table 4: Chinese's Shanghai Stock Exchange Market Capitalization (US$ Trillion), 2007-2011
  • Table 5: China Central Bank Interest Rate Fluctuations (%), September 2009 - July 2011
  • Table 6: Chinese HNWIs Volume by Wealth Bands, 2007-2011
  • Table 7: Chinese HNWIs Volume by Wealth Bands, 2007-2011
  • Table 8: Chinese HNWIs Volume by Wealth Bands, 2012-2016
  • Table 9: Chinese HNWIs Volume by Wealth Bands, 2012-2016
  • Table 10: Chinese HNWIs Value by Wealth Band (US$ Billion), 2007-2011
  • Table 11: Chinese HNWIs Value by Wealth Band (US$ Billion), 2012-2016
  • Table 12: Chinese UHNWIs Volume by Type of UHNWI, 2007-2011
  • Table 13: Chinese UHNWIs Volume by Type of UHNWI, 2012-2016
  • Table 14: Chinese UHNWIs Value by Type of UHNWI (US$ Billion), 2007-2011
  • Table 15: Chinese UHNWIs Value by Type of UHNWI (US$ Billion), 2012-2016
  • Table 16: Chinese Core HNWIs Volume by Type of Core HNWI, 2007-2011
  • Table 17: Chinese Core HNWIs Volume by Type of Core HNWI, 2012-2016
  • Table 18: Chinese Core HNWIs Value by Type of Core HNWI (US$ Billion), 2007-2011
  • Table 19: Chinese Core HNWIs Value by Type of Core HNWI (US$ Billion), 2012-2016
  • Table 20: Chinese HNWI Liquid Asset Composition (%), 2007-2016
  • Table 21: Chinese HNWI - Trends of Investments in Alternative Assets (US$ Billion), 2007-2011
  • Table 22: Chinese HNWI - Trends of Investments in Alternative Assets (US$ Billion), 2007-2011
  • Table 23: Chinese HNWI - Alternative Asset Composition (%), 2007-2016
  • Table 24: Chinese Real GDP Growth Rate (%), 2007-2016
  • Table 25: ChinaAMC: Main Services
  • Table 26: Credit Suisse China: Main Services
  • Table 27: CITIC Bank Corporation Limited: Main Services
  • Table 28: Definitions

List of Figures

  • Figure 1: Chinese GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
  • Figure 2: Chinese Inflation Rate (%), 2007-2016
  • Figure 3: Chinese Annual Disposable Income (US$ Billion), 2007-2016
  • Figure 4: Chinese's Shanghai Stock Exchange Market Capitalization (US$ Trillion), 2007-2011
  • Figure 5: China Central Bank Interest Rate Fluctuations (%), September 2009 - July 2011
  • Figure 6: Chinese Wealth Management Industry Customers - HNWI Composition
  • Figure 7: Chinese HNWIs Value by Wealth Band (US$ Billion), 2007-2011
  • Figure 8: Chinese HNWIs Value by Wealth Band (US$ Billion), 2012-2016
  • Figure 9: Chinese HNWIs Regional Distribution (% Share), 2011
  • Figure 10: Chinese HNWIs Regional Distribution - Key Regions, 2011
  • Figure 11: Chinese UHNWIs Volume by Type of UHNWI, 2007-2011
  • Figure 12: Chinese UHNWIs Volume by Type of UHNWI, 2012-2016
  • Figure 13: Chinese UHNWIs Value by Type of UHNWI (US$ Billion), 2007-2011
  • Figure 14: Chinese UHNWIs Value by Type of UHNWI (US$ Billion), 2012-2016
  • Figure 15: Chinese UHNWIs Regional Distribution (% Share), 2011
  • Figure 16: Chinese Core HNWIs Volume by Type of Core HNWI, 2007-2011
  • Figure 17: Chinese Core HNWIs Volume by Type of Core HNWI, 2012-2016
  • Figure 18: Chinese Core HNWIs Value by Type of Core HNWI (US$ Billion), 2007-2011
  • Figure 19: Chinese Core HNWIs Value by Type of Core HNWI (US$ Billion), 2012-2016
  • Figure 20: Asset Class Composition (% Share), 2007-2016
  • Figure 21: Chinese HNWI Liquid Asset Composition (US$ Billion), 2007-2016
  • Figure 22: HNWIs - Investment in Cash and Deposits (US$ Billion), 2007-2016
  • Figure 23: Chinese HNWI - Trends of Investments in Alternative Assets (in US$ Billion), 2007-2011
  • Figure 24:Chinese HNWI - Trends of Investments in Alternative Assets (in US$ Billion), 2012-2016
  • Figure 25: Chinese HNWI Investment in Real Estate (US$ Billion), 2007-2016
  • Figure 26: Chinese HNWI Investment in Equities (US$ Billion), 2007-2016
  • Figure 27: Mercedes-Benz and Porsche* Cars Unit Sales in Chinese Market
  • Figure 28: Wealth Management Services In China
  • Figure 29: Chinese Wealth Management Trends and Growth Drivers
  • Figure 30: HNWI - Growth Factor Correlation, 2007-11
  • Figure 31: PICC Social Media Platform on Weibo.com
  • Figure 32: Strategies to Succeed in the Chinese Wealth Management Industry
  • Figure 33: A Unified View of Customer Investment
  • Figure 34: Challenges in Chinese Wealth Management
  • Figure 35: Chinese Wealth Management Industry Structure
  • Figure 36: Major Companies in Chinese Wealth Management Industry
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