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中国の消費者金融市場の新たな機会:市場規模、戦略、商品、競争環境

Emerging Opportunities in the Chinese Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

発行 BRICdata 商品コード 246310
出版日 ページ情報 英文 58 Pages
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中国の消費者金融市場の新たな機会:市場規模、戦略、商品、競争環境 Emerging Opportunities in the Chinese Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape
出版日: 2012年06月28日 ページ情報: 英文 58 Pages
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概要

中国の消費者金融市場は、2007〜2011年に年平均(CAGR)28.33%の成長を遂げて、2011年には8兆8700億人民元の規模に達しました。2012〜2016年にかけても良好なマクロ経済やライフスタイルの変化などを背景に消費者金融商品への需要が拡大し、同市場は年平均24.30%の速度で成長し続けて、2016年には25兆6700億人民元の規模に達すると予想されています。

当レポートでは、中国における消費者金融市場の最新状況と将来展望について分析し、全体的な傾向・構造や成長促進要因、各商品部門の市場規模と成長力、今後の成長に向けた各種戦略、産業上の課題、競争構造、主要企業のプロファイルと事業展開状況といった情報を取りまとめて、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 中国の消費者金融の将来見通し

第3章 中国の消費者金融市場のダイナミクス

  • マクロ経済のファンダメンタルズ
    • GDP(固定価格)
    • 年間可処分所得
    • インフレ率
    • 海外直接投資(FDI)の流入
    • 都市部/農村部人口
    • 総人口
  • クレジットに対する消費者の態度
  • 主な業績指標
  • 規制体制

第4章 中国の消費者金融市場の規模と成長可能性

  • 概要
  • 住宅ローン
  • クレジットカード・ローン
  • 個人ローン
  • 自動車ローン
  • 教育ローン

第5章 中国の消費者金融市場の主な傾向と成長促進要因

  • 住宅ローン
  • クレジットカード・ローン
  • 個人ローン
  • 自動車ローン
  • 教育ローン

第6章 産業構造と競争環境

第7章 戦略

  • マーケティングおよび商品戦略
  • 市場参入戦略
  • 成長戦略

第8章 課題

第9章 企業プロファイル

  • Bank of China
    • 企業概要
    • 事業分類
  • Agricultural Bank of China Limited
    • 企業概要
    • 事業分類
  • China Construction Bank Corporation
    • 企業概要
    • 事業分類
  • China Merchants Bank Company Limited
    • 企業概要
    • 事業分類
  • Bank of Communications
    • 企業概要
    • 主要商品・サービス
  • Industrial and Commercial Bank of China Limited
    • 企業概要
    • 主要商品・サービス

第10章 付録

図表一覧

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目次
Product Code: IS2017MR

Synopsis

The report provides detailed market analysis, information and insights into the Chinese consumer finance market, including:

  • Current and forecast values for the Chinese consumer finance market
  • Comprehensive analysis of the industry's market attractiveness and key trends and drivers supporting the growth of the consumer finance market in China
  • Detailed analysis of the marketing strategies adopted by companies in China for selling consumer loans
  • Detailed analysis of the challenges affecting the Chinese consumer finance market
  • The competitive landscape in the Chinese consumer finance market
  • Company profiles of the major banks in the Chinese consumer finance market

Summary

The Chinese consumer finance market recorded a compound annual growth rate (CAGR) of 28.33% during the review period (2007-2011). It is projected to retain a high CAGR of 24.3% over the forecast period (2012-2016). The strong growth will be driven by the country's improving macroeconomic fundamentals and rising domestic demand for consumer finance products. Housing loans is the largest category in the Chinese consumer finance market. It recorded a CAGR of 24.65% during the review period. The housing loans category is projected to record a CAGR of 20.86% over the forecast period. The Chinese population has traditionally been skeptical of using credit to finance anything other than housing. However, as the country's disposable income levels increase, consumers are becoming more willing to access personal loans. The changing lifestyles in China have encouraged the growth of credit cards. The number of credit cards issued in China increased at a CAGR of 27.47% during 2008-2011. Banks are offering lucrative schemes to encourage people to convert their transactions into equal monthly installments (EMIs), and this is also driving the growth of credit card loans in China. The Chinese government introduced various measures to control the sharp increase in property prices during the review period. These measures prohibited mortgages for third-home purchasers and increased the downpayment for second-home purchases from 50% to 60%. These measures will have an adverse impact on the Chinese housing loan category over the forecast period.

Scope

  • This report provides an extensive analysis on the consumer finance market in China
  • It details historical values for the consumer finance market in China for 2007-2011, along with forecast figures for 2012-2016
  • The report provides a detailed analysis on key trends, drivers and challenges in the consumer finance market in China
  • It outlines the current regulatory framework in the industry
  • It provides data and analysis on the competitive landscape in the Chinese consumer finance market
  • It details the marketing strategies adopted by various companies
  • It profiles the major banks in China

Reasons To Buy

  • Make strategic business decisions using historic and forecast market data related to the Chinese consumer finance market
  • Understand the key market trends and growth opportunities in the Chinese consumer finance market
  • Assess the competitive dynamics in the Chinese consumer finance market
  • Gain insights into the marketing strategies adopted by companies to sell consumer finance products
  • Gain insights into key regulations governing the consumer finance market in China

Table of Contents

1 Executive Summary

2 Future Outlook of Consumer Finance in China

3 Chinese Consumer Finance Market Dynamics

  • 3.1 Macroeconomic Fundamentals
    • 3.1.1 GDP at constant prices
    • 3.1.2 Annual disposable income
    • 3.1.3 Inflation rate
    • 3.1.4 FDI inflows
    • 3.1.5 Urban and rural population
    • 3.1.6 Population
  • 3.2 Consumer Attitude Towards Credit
  • 3.3 Key Performance Indicators
  • 3.4 Regulatory Framework

4 Chinese Consumer Finance Market Size and Growth Potential

  • 4.1 Overview
  • 4.2 Housing Loans
  • 4.3 Credit Card Loans
  • 4.4 Personal Loans
  • 4.5 Auto Loans
  • 4.6 Education Loans

5 Key Trends and Growth Drivers for the Chinese Consumer Finance Market

  • 5.1 Housing Loans
  • 5.2 Credit Card Loans
  • 5.3 Personal Loans
  • 5.4 Auto Loans
  • 5.5 Education Loans

6 Industry Structure and Competitive Landscape

7 Strategies

  • 7.1 Marketing and Product Strategies
  • 7.2 Market Entry Strategies
  • 7.3 Growth Strategies

8 Challenges

9 Company Profiles

  • 9.1 Bank of China
    • 9.1.1 Company overview
    • 9.1.2 Business segmentation
  • 9.2 Agricultural Bank of China Limited
    • 9.2.1 Company overview
    • 9.2.2 Business segmentation
  • 9.3 China Construction Bank Corporation
    • 9.3.1 Company overview
    • 9.3.2 Business segmentation
  • 9.4 China Merchants Bank Company Limited
    • 9.4.1 Company overview
    • 9.4.2 Business segmentation
  • 9.5 Bank of Communications
    • 9.5.1 Company Overview
    • 9.5.2 Main products and services
  • 9.6 Industrial and Commercial Bank of China Limited
    • 9.6.1 Company Overview
    • 9.6.2 Key products and services

10 Appendix

  • 10.1 About BRICdata
    • 10.1.1 Areas of expertise
  • 10.2 Methodology
  • 10.3 Disclaimer

List of Tables

  • Table 1: Chinese Consumer Finance Market Value by Category (CNY Billion), 2011-2016
  • Table 2: Chinese GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
  • Table 3: Chinese Annual Disposable Income (US$ Billion), 2007-2016
  • Table 4: Chinese Inflation Rate (%), 2007-2016
  • Table 5: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2011
  • Table 6: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 2012-2016
  • Table 7: Chinese Banking Industry Growth by Performance Indictor (%), 2007-2016
  • Table 8: Chinese Consumer Finance Market Size (CNY Billion), 2007-2016
  • Table 9: Chinese Consumer Finance Market Share by Category (%), 2007-2011
  • Table 10: Chinese Consumer Finance Market Size by Category (CNY Billion), 2007-2011
  • Table 11: Chinese Consumer Finance Market Share by Category (%), 2012-2016
  • Table 12: Chinese Consumer Finance Market Size by Category (CNY Billion), 2012-2016
  • Table 13: Chinese Housing Loans Market Size (CNY Billion), 2007-2011
  • Table 14: Chinese Housing Loans Market Size (CNY Billion), 2012-2016
  • Table 15: Chinese Credit Card Loans Market Size (CNY Billion), 2007-2011
  • Table 16: Chinese Credit Card Loans Market Size (CNY Billion), 2012-2016
  • Table 17: Chinese Personal Loans Market Size (CNY Billion), 2007-2011
  • Table 18: Chinese Personal Loans Market Size (CNY Billion), 2012-2016
  • Table 19: Chinese Auto Loans Market Size (CNY Billion), 2007-2011
  • Table 20: Chinese Auto Loans Market Size (CNY Billion), 2012-2016
  • Table 21: Chinese Education Loans Market Size (CNY Billion), 2007-2011
  • Table 22: Chinese Education Loans Market Size (CNY Billion), 2012-2016
  • Table 23: Chinese Non-Performing Loan Ratio of Commercial Banks by Category (%), 2007-2011
  • Table 24: Chinese Credit Card Transactions, 2008-2011
  • Table 25: Chinese POS Terminals (Million), 2009-2011
  • Table 26: Chinese Automobile Sales, 2008-2015
  • Table 27: Chinese Student Studying Abroad, 2008-2010
  • Table 28: Chinese Consumer Finance Market - Leading Companies (% Share), 2011
  • Table 29: Chinese Housing Loans Category - Leading Companies (% Share), 2011
  • Table 30: People's Bank of China Market Entry Program, 2009
  • Table 31: Foreign Investments in Chinese Banks, 2007-2011
  • Table 32: China Merchants Bank Retail Portfolio (CNY Million), 2010-2011
  • Table 33: Chinese Government Measures to Control Rising Property Prices, 2010-2011
  • Table 34: Chinese Interest Rate (%), December 2008-July 2011
  • Table 35: Bank of Communications, Key Facts
  • Table 36: Bank of Communications, Main Products and Services
  • Table 37: Industrial and Commercial Bank of China Limited, Key Facts
  • Table 38: Industrial and Commercial Bank of China Limited, Main Products and Services

List of Figures

  • Figure 1: Chinese Consumer Finance Market Dynamics by Category, 2007-2016
  • Figure 2: Chinese GDP at Constant Prices (US$ Billion), 2007-2016 (Base Year 1999-2000)
  • Figure 3: Chinese Annual Disposable Income (US$ Billion), 2007-2016
  • Figure 4: Chinese Inflation Rate (%), 2007-2016
  • Figure 5: Chinese FDI Inflows (US$ Billion), 2007-2010
  • Figure 6: Chinese Urban and Rural Population (% Share), 2007-2016
  • Figure 7: Chinese Population Size (Million), 2007-2016
  • Figure 8: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 2007-2011
  • Figure 9: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 2012-2016
  • Figure 10: Chinese Banking Industry Growth by Performance Indictor (%), 2007-2016
  • Figure 11: Chinese Consumer Finance Market Size (CNY Billion), 2007-2016
  • Figure 12: Chinese Consumer Finance Market Size by Category (CNY Billion), 2007-2011
  • Figure 13: Chinese Consumer Finance Market Size by Category (CNY Billion), 2012-2016
  • Figure 14: Chinese Housing Loans Market Size (CNY Billion), 2007-2011
  • Figure 15: Chinese Housing Loans Market Size (CNY Billion), 2012-2016
  • Figure 16: Chinese Credit Card Loans Market Size (CNY Billion), 2007-2011
  • Figure 17: Chinese Credit Card Loans Market Size (CNY Billion), 2012-2016
  • Figure 18: Chinese Personal Loans Market Size (CNY Billion), 2007-2011
  • Figure 19: Chinese Personal Loans Market Size (CNY Billion), 2012-2016
  • Figure 20: Chinese Auto Loans Market Size (CNY Billion), 2007-2011
  • Figure 21: Chinese Auto Loans Market Size (CNY Billion), 2012-2016
  • Figure 22: Chinese Education Loans Market Size (CNY Billion), 2007-2011
  • Figure 23: Chinese Education Loans Market Size (CNY Billion), 2012-2016
  • Figure 24: Chinese Number of Households (Million), 2007-2016
  • Figure 25: Chinese Non-Performing Loan Ratio of Commercial Banks by Category (%), 2007-2011
  • Figure 26: Chinese Credit Card Transactions Volume and Value, 2008-2011
  • Figure 27: Chinese POS Terminals (Million), 2009-2011
  • Figure 28: Chinese Unemployment Rate (%), 2007-2016
  • Figure 29: Chinese Automobile Sales (Million), 2007-2016
  • Figure 30: Leading Banks in China
  • Figure 31: Chinese Consumer Finance Market - Leading Companies (% Share), 2011
  • Figure 32: Chinese Housing Loans Category - Leading Companies (% Share), 2011
  • Figure 33: Chinese Consumer Finance Market Challenges
  • Figure 34: Chinese Interest Rate (%), December 2008-July 2011
  • Figure 35: Chinese Household Consumption Expenditure (% of GDP), 2003-2011
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