市場調査レポート

中国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場

Insurance and Assistance linked to Payment Cards and Bank Accounts in China

発行 Finaccord Ltd. 商品コード 294042
出版日 ページ情報 英文 31 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=102.18円で換算しております。
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中国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場 Insurance and Assistance linked to Payment Cards and Bank Accounts in China
出版日: 2013年10月01日 ページ情報: 英文 31 pages
概要

当レポートでは、中国におけるペイメントカード・銀行口座関連の保険・アシストサービス市場を取り上げ、33の金融機関および専門のカードプロバイダーが発行する1,000以上のペイメントカード・銀行口座商品について検証するなど、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

第2章 市場分析

  • 調査対象銀行およびその他のペイメントカード発行会社
  • バンキング市場について
  • ペイメントカード部門について
  • ペイメントカード・銀行口座関連の保険・アシストサービス
    • 調査対象ペイメントカード製品の概要
    • 対象保険・アシストサービスの種類
    • 特殊な対象保険・アシストサービスの種類
    • 運用モデル
    • 競合企業のパートナーシップ配分
    • 市場規模

図表

目次
Product Code: report_iapcba_cn

Insurance and Assistance linked to Payment Cards and Bank Accounts in China investigates the market for insurance and assistance policies linked to banking products in this country. Drawing on the results of an investigation covering over 1,000 individual payment card and bank account products offered by 33 banking institutions and specialised card providers in China, the report analyses the provision of the following broad categories and types of insurance and assistance policy:

  • accident / health cover: accidental death insurance, health / hospital cash plans, health assistance, personal accident insurance;
  • creditor cover: creditor insurance - life / permanent disability, creditor insurance - temporary incapacity / unemployment;
  • personal / identity protection cover: ATM cash theft insurance, card protection insurance, handbag / wallet insurance, identity protection assistance, identity protection insurance;
  • shopping cover: extended warranty, price protection insurance, purchase protection insurance;
  • travel cover: travel accident insurance, travel assistance, travel health insurance, travel inconvenience insurance, travel insurance - comprehensive;
  • other cover: car hire insurance, home assistance, legal assistance, legal expenses insurance, missed event insurance, mobile gadget insurance, mobile phone insurance, personal liability insurance, road assistance, miscellaneous other insurance and assistance;
  • concierge services.

Key features of this study include:

  • quantification of the market size and segmentation for insurance and assistance linked to payment cards and bank accounts: approximately how much is the market worth in China, how does it break down by broad category, how much is funded by the banking institutions themselves and how much is paid for separately by customers?
  • analysis of the operating models used by banking organisations for insurance and assistance linked to payment cards and bank accounts: to what extent do they use external underwriters as opposed to captive or joint venture providers?
  • calculation of provider share of partnerships based on number of relationships and partner size: which providers of insurance and assistance services have been successful in establishing relationships for each broad category of cover with the most significant banking institutions and other card issuers or distributors?
  • availability of an accompanying PartnerBASE™ dataset that details the availability or otherwise of each individual insurance or assistance enhancement to more than 1,000 payment card and bank account products analysed in China.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • The provision of 30 forms of niche insurance and assistance is investigated in this study
  • Rationale
    • The new research builds upon that pioneered by Finaccord over a period of almost a decade in Europe
  • Methodology
    • Primary survey
      • The research covers 1,022 specific banking products offered by 33 banks
    • Semi-weighted provider share of partnerships
    • Market size modelling
    • Operating models
    • Abbreviations
  • Definitions of specific types of insurance and assistance
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Banks and other payment card issuers covered
  • Introduction to the banking market
    • There continue to be restrictions on foreign investment in the Chinese banking sector
  • Introduction to the payment card sector
    • Between 2009 and 2013, the rate of growth of credit cards was slightly ahead of that of debit cards...
    • ... although there remain almost ten times as many debit cards in circulation as credit cards
  • Insurance and assistance linked to payment cards and bank accounts
    • Overview of payment card products analysed
      • Affinity, co-branded and retailer cards make up well over 40% of the products researched
    • Broad types of insurance and assistance cover
      • Travel-related polices are most frequently linked to credit cards in China
    • Specific types of insurance and assistance cover
      • Travel accident insurance is used most often to enhance payment cards
      • Provision rates tend to rise if premium products are analysed in isolation
    • Operating models
      • External providers account for the majority of identified partnerships™
      • ... albeit three captive and two joint venture underwriters are also visible
    • Competitor share of partnerships
      • Accident / health cover: BOC Insurance is the most prominent provider in this field
      • Creditor cover: only one provider is active in credit card payment protection insurance
      • Personal / identity protection cover: AIG and BOC Insurance claim the highest share of partnerships
      • Shopping-related cover: China Life Property & Casualty is ranked first in this segment
      • Travel-related cover: over 20 underwriters hold at least one partnership in this sphere
      • Other cover: International SOS and Automobile Alliance China are used most frequently
      • Concierge services: few providers are likely to be competing for business in this arena
    • Market size
      • The value of the combined market is likely to have advanced rapidly in recent years...
      • ... with most of this value having been funded by the banks rather than their customers

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Specific types of insurance and assistance policy researched, grouped by broad category

2.0 MARKET ANALYSIS

  • Number of debit and credit cards in China, 2009 to 2013
  • Key metrics for debit and credit cards in China, 2009 to 2013
  • Summary of payment card products analysed in China, segmented by category, 2013
  • Summary of payment card products analysed in China, segmented by category, 2013 (table)
  • Relative weight of insurance and assistance policies linked to payment card products in China, segmented by broad type of cover, 2013
  • Penetration of specific types of insurance and assistance linked to payment card products in China, 2013: all products
  • Penetration of specific types of insurance and assistance linked to payment card and bank account products in China, 2013: premium products only
  • Split of specific type of insurance and assistance linked to payment card and bank account products in China between automatic cover and cover available for an additional fee, 2013
  • Operating models used for insurance and assistance policies linked to payment card and bank account products in China, segmented by specific type of cover, 2013
  • Competitor share of partnerships for accident / health insurance and assistance policies linked to payment card and bank account products in China, 2013
  • Competitor share of partnerships for creditor insurance policies linked to payment cards in China, 2013
  • Competitor share of partnerships for personal / identity protection insurance and assistance policies linked to payment card and bank account products in China, 2013
  • Competitor share of partnerships for shopping-related insurance policies linked to payment card and bank account products in China, 2013
  • Competitor share of partnerships for travel-related insurance and assistance policies linked to payment card and bank account products in China, 2013
  • Competitor share of partnerships for other insurance and assistance policies linked to payment card and bank account products in China, 2013
  • Competitor share of partnerships for concierge services linked to payment card and bank account products in China, 2013
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in China, segmented by broad type of cover, 2013 (USD million)
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in China, segmented by cover acquired automatically and cover acquired through payment of an additional fee, 2013 (USD million)
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