ベトナムの消費者金融市場

2023年、ベトナム国家銀行は、日常生活に必要な消費者向け融資を促進するための施策を実施しました。銀行が消費者向け融資を含む融資活動を拡大することを奨励するため、ベトナム国家銀行は2023年6月28日、信用機関および外国銀行支店の信用活動を規制する通達第39号/2016/TT-NHNNのうち、電子バンキングによる融資承認に関する追加規制に関する一部の規定を修正・補足する通達第06/2023/TT-NHNN号を発行しました。

当レポートでは、ベトナムの消費者金融市場について調査し、ベトナムの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
• 経済減速により、2023年には住宅ローンと住宅ローンの需要が減少
• BNPLの競争力はさらに高まるが、リスクが高いため一部の参入企業が業界から撤退
• 消費者金融の今後の見通し

市場データ

免責事項

情報源

ベトナムの消費者信用

主要なデータ調査結果

2023年の発展

• 政府は景気回復を後押しするため、電子バンキングを通じた消費者金融を奨励
• 景気の低迷とインフレが総融資と残高に影響を与える
• BNPLでの競合はさらに激化し、克服すべき課題はまだある

見通しと機会

• 消費者金融におけるデジタル変革はさらに進む
• 政府は経済を刺激するために金利を低く維持することを目指している
• BNPLは予測期間中にさらなる開発に向けて機が熟している

カテゴリーデータ

In 2023, the State Bank of Vietnam implemented measures to promote consumer lending for daily needs. To encourage banks to increase their lending activities, including consumer lending, the State Bank issued Circular No. 06/2023/TT-NHNN on 28 June 2023, amending and supplementing certain provisions of Circular No. 39/2016/TT-NHNN, which regulates credit activities of credit institutions and foreign bank branches, regarding additional regulations on loan approval through electronic banking. The e...

Euromonitor International's Consumer Lending in Vietnam 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
• The slowing economy reduces demand for mortgages and housing loans in 2023
• BNPL becomes more competitive, but high risk mean some players are quitting the industry
• 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 VIETNAM

KEY DATA FINDINGS

2023 DEVELOPMENTS

• Government encourages consumer financing through electronic banking to boost economic recovery
• Gloomy economy and inflation affect gross lending and outstanding balances
• Competition becomes fiercer in BNPL, with challenges still to overcome

PROSPECTS AND OPPORTUNITIES

• Digital transformation in consumer credit set to increase further
• Government aims to keep interest rates low to stimulate economy
• BNPL ripe for further developments over the forecast period

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