市場調査レポート

団体信用生命保険のインド市場

Creditor Insurance in India

発行 Finaccord Ltd. 商品コード 327627
出版日 ページ情報 英文 24 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.75円で換算しております。
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団体信用生命保険のインド市場 Creditor Insurance in India
出版日: 2015年03月01日 ページ情報: 英文 24 pages
概要

当レポートでは、インドの団体信用生命保険 (債権者団体保険) 市場の現状と今後の市場機会について分析し、PartnerBASE ™ の市場データベースや、インド国内の主な消費者金融企業71社へのインタビューなどに基づいて、全体的な市場動向の実績値・予測値 (過去・今後5年間分) や、市場の今後の発展見通し、商品の種類別および補償対象別の詳細動向、運営モデルの概略、主要企業の市場シェアと提携先、代替的な販売チャネルと今後の市場参入の可能性・促進要因などを調査・考察しております。

エグゼクティブサマリー

第1章 イントロダクション

  • 本レポートについて
  • 論理的根拠
  • 調査手法
  • 市場データ
  • 定義
  • 略語および為替レート
  • PartnerBASEおよび市場データ付表
  • Finaccord

第2章 市場分析

  • 分析対象の銀行・その他貸出機関
  • 銀行部門の概要
  • 消費者金融の市場規模と成長率
  • 団体信用生命保険の提供価格・運営モデル・提携先

図表一覧

目次

Finaccord's report titled Creditor Insurance in India offers uniquely detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, as acquired by individual borrowers in India. Drawing on the results of a survey of 71 lending institutions, the study analyses the distribution of creditor insurance by banks and other lending institutions, how provision rates vary for different lending products, operating models used for arranging creditor insurance, and distribution partnerships weighted by the size of distributors. The PartnerBASE™ dataset that accompanies the report details all creditor insurance distribution deals traced by Finaccord. In short, this study will provide you with the definitive guide to current and future opportunities in creditor insurance in India.

Key features of this study plus the PartnerBASE™ dataset and market data annexe that accompany it include:

  • quantification of creditor insurance market size and growth with a timeline from 2010 to 2014 and onwards to 2018: how much is this market really worth in India and what is its future development potential?
  • segmentation of this market both by underlying loan type (differentiating between mortgages, point-of-sale automotive finance, other consumer finance and credit card loans) and by type of cover (differentiating between cover for death / permanent disability and temporary incapacity / unemployment);
  • consideration of operating models used for creditor insurance: how advanced is the use of captive and joint venture underwriters by lending institutions in India?
  • calculation of weighted provider share of partnerships: Finaccord's unique quantitative analysis helps to identify which underwriters of creditor insurance hold the relationships that offer the most potential;
  • investigation into alternative distribution channels for selling creditor insurance: a number of factors could increase the potential for entities other than the lending institutions themselves to sell creditor insurance in India.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • This report provides a comprehensive analysis of loan-related insurance policies in India
  • Rationale
    • The report tracks close to 100 initiatives for marketing creditor insurance through lending institutions
  • Methodology
    • Survey of banks and other lending institutions
  • Market data
  • Definitions
    • Creditor insurance
    • Mortgages, consumer finance and credit cards
    • Weighted provider share of partnerships
    • Operating models
  • Abbreviations and exchange rates
  • PartnerBASE and market data annexe
  • Finaccord

2.0 MARKET ANALYSIS

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • In terms of its total number of retail customers SBI leads the market ahead of Punjab National Bank
    • in a sector in which government-owned banks account for a majority of branches
    • Substantial swathes of the Indian population remain unbanked
    • The RBI follows a policy that generally encourages banking sector consolidation
    • with a number of mergers and acquisitions in evidence in recent years
    • including the acquisition of INV Vsysa Bank by Kotak Mahindra Bank in November 2014
  • Consumer lending market size and growth
    • Mortgage lending
      • Mortgage balances outstanding increased steadily between 2010 and 2014
    • Non-mortgage lending
      • while the value of non-mortgage consumer lending accelerated at a similar pace
    • Credit and other pay later cards
      • Having peaked in 2008, the credit card market has experienced limited growth since 2010
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • The vast majority of mortgage lenders in India sell related creditor insurance
      • with SBI Life emerging as the leader by weighted share of partnerships
      • Joint ventures involving overseas insurance groups have a strong position in the market
      • with co-owners including both banks and other types of entity
    • Creditor insurance linked to consumer finance
      • Three quarters of entities offering consumer credit have a related creditor insurance scheme in place
      • The main partnerships in this field are similar to those for mortgage-related creditor insurance
      • although there are a few that are unique to consumer finance
      • 16 lending institutions have no apparent scheme in place for this type of creditor insurance
    • Creditor insurance linked to credit cards
      • Only a handful of schemes for card-related creditor insurance are up and running in India
      • and most of the country's major banks eschew this type of policy
    • Creditor insurance risk coverage
      • Creditor insurance policies in India are skewed towards simpler formats
    • Alternative distribution channels
      • Creditor insurance is quite widely available through automotive manufacturer brands and dealers
    • Creditor insurance market size, growth and forecast
      • The overall market for all forms of creditor insurance in India is advancing rapidly

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Banks and other lending institutions in India contacted by Finaccord, segmented by type

2.0 MARKET ANALYSIS

  • Residential mortgage lending balances outstanding in India (absolute and per capita), 2010 to 2014
  • Consumer non-mortgage lending balances outstanding in India (absolute and per capita), 2010 to 2014
  • Credit and other pay later cards issued and per capita in India, 2010 to 2014
  • Key data points for the consumer lending market in India, 2010 to 2014
  • Provision of creditor insurance linked to mortgages in India, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in India, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in India, 2015: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in India, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in India, segmented by policy type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in India, segmented by cover type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in India, segmented by policy and cover type, 2010, 2014 and 2018
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