市場調査レポート

中国における消費者向け自動車用金融サービス市場

Consumer Automotive Financial Services in China

発行 Finaccord Ltd. 商品コード 238919
出版日 ページ情報 英文 53 Pages
納期: 即日から翌営業日
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中国における消費者向け自動車用金融サービス市場 Consumer Automotive Financial Services in China
出版日: 2014年03月01日 ページ情報: 英文 53 Pages
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概要

当レポートは中国の新車および中古乗用車販売に結び付いた消費者向け自動車用金融サービス市場を調査したもので、融資およびリースサービス市場の分析に加えて、債権者保険、自動車保険、ロードサービス保険、さらに延長保証やギャップ保険市場についても詳細な分析を行うことにより、中国における消費者向け自動車用金融サービスの現在および将来のビジネス機会の明確なガイドとなっており、概略下記の構成でお届けいたします。

エグゼクティブ・サマリー

第1章 イントロダクション

  • 当レポートの概要
  • 分析の根拠
  • 調査手法
  • 定義
  • PartnerBASEおよび市場データ付表
  • Finaccordについて

第2章 市場分析

  • 序論
  • 乗用車販売データ
    • 中古車の販売台数は、新車よりも急速に増加(2009〜2013年)
    • 外資との合弁企業・ブランドが市場を支配
  • 消費者向け自動車融資およびリース市場
    • 市場規模および市場成長
      • 契約件数ベースでは新車・中古車とも、ディーラー経由が直接販売よりも3.5倍も多い
    • 融資およびリース商品の種類
      • ディーラー経由の商品のうち、1種類だけで3/4以上のシェアを占める
  • 消費者向け自動車保険、保証、およびロードサービス市場
    • 市場規模
      • 商品販売総額は1600億人民元に達する(2013年)
  • 自動車ディーラー・メーカーブランド調査結果:概要
    • 序論
    • 消費者向け自動車融資サービスの提供
      • 融資サービス7種類のうち5種類はディーラー経由で提供されている
      • メーカーブランドでのプリペイド・サービス契約導入の動き
    • ディーラースキームの数と性質
      • ディーラー各社は2社以上の融資・リース企業や保険企業と提携している
    • ディーラーが販売する自動車保険の種類
      • ディーラーでは様々な保険商品を販売している
    • ディーラーが販売するロードサービスの提供業者
      • 中国では一般的に、ロードサービスは新車購入時に自動的に提供されている
    • ディーラー経由での自動車融資サービスの利用状況
      • ディーラー経由購入の場合、自動車保険の加入率は(新車・中古車とも)高い
      • 今後は、ディーラー経由での融資商品や延長保証の利用率も大幅に上昇する見通し
  • 自動車ディーラー・製造会社ブランド調査結果:パートナーシップ
    • 序論
    • 融資およびリース
      • ディーラーの2/3がパートナーシップを活用
      • 製造企業ブランドの大半が、融資・リースサービス関連の契約を締結している
      • China Construction Bankが最大手のパートナー先である
      • JACとSantanderの合弁企業:最大手の独立系プロバイダーを目指す
      • BNP Paribas Personal FinanceがGeelyと締結(2013年第4四半期)
      • 中国の融資・リース市場は、主に大手銀行が支配している
    • 自動車保険
      • Allianz:(今回の分析対象で)唯一の外資系保険会社
      • メーカーブランドとの提携分野では、Anbang Insuranceが最大のシェアを占める
    • 延長保証
      • MAPFRE WarrantyがChina Grand Autoのディーラーグループと提携
      • MAPFRE Warrantyが、Changan Mazdaとも延長保証について提携
      • CarGarantie:中国国内のディーラー・メーカーとのパートナーシップ締結の機会を求めている
      • 延長保証契約の1/3以上が、ディーラー自身によって運営されている
    • ロードサービス
      • 非タイアップ型ロードサービスは、ディーラー自身により提供されている
      • Allianz Global Assistance:大手メーカーブランドと提携
    • プリペイドサービス契約
      • 1/3以上のディーラーで利用可能

付図/付表

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次
Product Code: report_cafs_cn

Consumer Automotive Financial Services in China investigates the market for automotive financial services linked to sales of new and used passenger cars in China. In addition to analysing the market for finance and leasing services, the study also covers creditor insurance, motor insurance and road assistance, and demonstrates the extent to which a market exists for extended warranties and GAP insurance.

Using survey results for average take-up rates for finance and leasing propositions at the point of sale, data for the size and growth of the automotive finance and leasing market for consumers in China is provided in terms of gross advances and assets leased for 2007 to 2011 with splits between finance for new and used cars and between finance organised through dealerships at the point of sale and directly with banks or other lending institutions.

Moreover, also by means of data for average take-up rates, the markets for creditor insurance, motor insurance, road assistance, extended warranties and GAP insurance are sized in terms of gross written premiums and other revenues sold through the automotive trade (i.e. via dealers and manufacturers) in 2011. These are broken down between new and used cars and between new contracts sold during 2011 and in-force business sold in previous years but still being renewed in 2011.

The report draws on a survey of 100 leading car dealerships as well as an analysis of the approach to consumer automotive financial services of over 60 automotive brands in China. The PartnerBASE™ database that accompanies the report details each of the marketing initiatives for consumer automotive financial services traced by Finaccord for both dealers and manufacturers. Together, the report and database will provide you with the definitive guide to current and future opportunities in consumer automotive financial services in China.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • The focus of the report is on financial services related to the sale of passenger cars to individuals
  • Rationale
    • The provision of financial services is essential to support both car sales and profitability
    • This report offers a detailed updated analysis of the subject in China based on primary research
  • Methodology
    • Survey of dealers and manufacturers
    • Market data
      • Computation of market data is based on a complex set of assumptions and variables...
      • ...in order to provide market segmentations in unrivalled detail
    • External sources
  • Definitions
    • Finance and leasing products
    • Insurance, warranty and assistance products
    • Operating models
    • Tied and non-tied providers
    • Abbreviations
    • Exchange rate
  • PartnerBASE and market data annexe
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Passenger vehicle data
    • Sales of used cars have grown faster than new car sales between 2009 and 2013
    • Joint venture brands and groups are the leading players in the automotive market
  • Consumer automotive finance and leasing market
    • Market size and growth
      • By volume, point-of-sale finance exceeds direct lending for both new and used cars
      • ...with the result that the total value of point-of-sale finance is 3.5 times higher than direct lending
    • Types of finance and leasing product
      • One type of product makes up more than three quarters of point-of-sale finance contracts
  • Consumer automotive insurance, warranty and assistance markets
    • Market sizes
      • In total, the automotive trade is likely to have sold contracts worth over CNY 160 billion in 2013
  • Survey of automotive dealers and manufacturer brands - overview
    • Introduction
    • Provision of consumer automotive financial services
      • Automotive dealers distribute five of the seven automotive financial services investigated
      • Manufacturer brands could introduce prepaid service contracts
    • Number and nature of dealer schemes
      • Dealers mainly work with two or more providers for both finance and leasing and motor insurance
    • Types of motor insurance policy sold by dealers
      • Various types of products can be purchased from the dealers reported selling motor insurance...
    • Sources of road assistance distributed by dealers
      • Generally, road assistance was provided automatically to buyers of new cars in China
    • Consumer uptake of automotive financial services through dealers
      • Take-up rates are high for motor insurance at the point of sale among both new and used car buyers...
      • ... and have grown substantially for both point-of-sale finance and extended warranties
  • Survey of automotive dealers and manufacturer brands - partnerships
    • Introduction
    • Finance and leasing
      • Two-thirds of dealers utilise tied partners either as well as or instead of non-tied providers...
      • ...most manufacturer brands have an arrangement for the provision of finance and leasing services...
      • ...and China Construction Bank is the leading non-captive finance partner for these brands
      • The jointly-owned provider of JAC and Santander is aiming to become a leading independent provider
      • BNP Paribas Personal Finance secured an agreement with Geely in the final quarter of 2013
      • The Chinese market for finance and leasing is mainly controlled by the major banks
    • Motor insurance
      • Allianz was the only foreign insurance company mentioned by dealers...
      • ...while Anbang Insurance has the largest weighted share of partnerships among manufacturer brands
    • Extended warranties
      • MAPFRE Warranty has a partnership with the China Grand Auto dealership group...
      • ...and with Changan Mazda for extended warranties
      • CarGarantie is looking to establish partnerships with dealers and manufacturers in China
      • More than one-third of extended warranty products are run by dealers themselves
    • Road assistance
      • Non-tied road assistance services are provided by dealers themselves...
      • ...while Allianz Global Assistance has established several important partnerships with manufacturer brands
    • Prepaid service contracts
      • Prepaid service contracts are available from one-third of the dealers surveyed

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for consumer automotive financial services in China, 2013

1.0 INTRODUCTION

  • 2.0 MARKET ANALYSIS
  • Passenger car parc and new / used passenger car sales in China, 2009 to 2013
  • Passenger car parc and new / used passenger car sales in China, 2009 to 2013 (table)
  • New car registrations in China, segmented by manufacturer group, 2013
  • New and used passenger car finance market in China, segmented by distribution channel: volumes, 2009 to 2013
  • New and used passenger car finance market in China, segmented by distribution channel: values, 2009 to 2013
  • New and used passenger car finance market in China, segmented by distribution channel: values and volumes, 2009 to 2013 (table)
  • % split between the different types of finance and leasing contract organised at the point of sale in China, 2013
  • Total revenues from consumer automotive insurance, warranty, assistance and service contract markets in China, 2013
  • Total revenues from consumer automotive insurance, warranty assistance and service contracts in China, 2013 (table)
  • Comparison of the provision of each type of automotive financial service by dealers and manufacturer brands in China, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in China, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in China, 2014 (table)
  • % split between the different types of motor insurance policy sold at the point of sale in China, 2014
  • % availability of road assistance through factory warranties, annual services, extended warranties, motor insurance, prepaid service contracts and as a stand-alone product in China, 2014
  • % of new and used car purchasers acquiring each type of automotive financial service at the point of sale in China, 2014
  • Provision of finance and leasing by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of finance and leasing by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for finance and leasing in China, 2014
  • Provision of motor insurance by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of motor insurance by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of extended warranties by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of extended warranties by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for extended warranties in China, 2014
  • Provision of road assistance by dealers in China, 2014: provision rate and product sources
  • Provision of road assistance by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of prepaid service contracts by dealers in China, 2014: provision rate and product sources
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