市場調査レポート

中国におけるペイメントカード市場

China Payment Card Market Update

発行 Mercator Advisory Group, Inc. 商品コード 231990
出版日 ページ情報 英文 26 Pages
納期: 即日から翌営業日
価格
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中国におけるペイメントカード市場 China Payment Card Market Update
出版日: 2012年02月22日 ページ情報: 英文 26 Pages
概要

中国は、使用中のカードの数で米国を抜き、世界最大のカード市場として成長を遂げました。

当レポートでは、中国のペイメントカード業界について調査分析し、中国における現在のマクロ経済環境の影響を検証し、クレジットカード/デビットカード市場の概要(2010年〜2011年第3四半期)を提供し、市場の予測(2011年通年)なども含め、概略以下の構成でお届けいたします。

エグゼクティブサマリー

イントロダクション

ペイメント市場の概要

  • マクロ経済
  • 中国のカード発行市場の概要
  • 2011年上半期の主要企業の実績
  • 消費者によるクレジットの導入
  • 受け入れ環境

戦略的発展

  • EMV/PBOCへの移行
  • 収益性
  • 貸し渋り
  • マーチャントアクワイアリング(加盟店関連業務)の状況
  • オンライン決済
  • モバイル決済

結論

図表

目次

Abstract

New Research Report by Mercator Advisory Group

Boston, MA -- China, the world's single largest credit and debit card market by number of cards, continued to record significant growth throughout 2011 despite signals of a slowing economic growth. Surprisingly strong growth in Chinese consumer spending and the increasing penetration of cards in people's daily lives are the two main forces boosting the payment card industry.

In 2012 China faces weakening demand from global markets. The government is trying to manage a soft economic landing while avoiding sudden shock for its populace. At the same time, keeping the real estate bubble and inflation under control are no small tasks.

Chinese banks are adjusting their card market strategy to focus on organic growth from existing customers rather than quickly expanding their customer base at a time of increasing uncertainty and diminishing capital pools. Debit cards continue to generate strong revenue growth for banks as credit card markets slow.

"China is unquestionably the world's highlight when it comes to growth in payment card markets," commented Terry Xie, Director of Mercator Advisory Group's International Advisory Service and principal analyst on the report. "The growth has been tremendous, especially considering China is already one of the world's largest payment card markets. At the rates it has been growing, it will surpass the European market and compete with the U.S. market in transactions sooner than many industry observers have imagined. Now the issue is whether the growth is sustainable at the current high level as the overall economy in China adjusts."

Mercator's latest research discusses the impact of the current macroeconomic environment in China on the Chinese payment card industry. The report provides an overview of the credit and debit card markets in China for 2010 and the first three quarters of 2011 as well as forecasts for the whole year 2011. The report also examines other trends. Prepaid cards are covered separately in Mercator Advisory Group report Prepaid Card Market in China 2010 (published in May 2011) and several related research notes.

Highlights of the research findings include:

China has surpassed the United States as the world's largest card market in number of cards in use, recording even throughout the recent global recession.

Consumer spending continues to be strong in China, with consumer spending using cards accounting for a bigger piece of total spending than ever before.

By the end of 2010, there were 2.4 billion credit and debit cards in circulation in China, more than twice the number in use in the United States. Spending on cards reached close to half that in the U.S.

The growth rate of the credit card market has decreased from a couple of years ago. Credit card issuers, under increased pressure to be profitable, are taking a more conservative approach.

The debit card market continues to record strong growth. On average, an adult in China carried 2.2 debit cards at the end of 2010, a year in which the total number of debit cards increased by 16.2 percent and spending on debit cards grew an estimated 47.5 percent.

Online payment and mobile payment are growing rapidly as more consumers find online shopping convenient and safe. Payment service providers are also working hard to bring better products and services to the market.

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This report contains 26 pages and 10 exhibits.

Companies mentioned in this report include: AliPay, Agricultural Bank of China, Bank of China, China Construction Bank, China Merchants Bank, ChinaPay, China UMS, China UnionPay, CITIC Bank, ICBC, Minsheng Bank, and TenPay, among others.

Members of Mercator Advisory Group's International Advisory Service have access to this report as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits.

Table of Contents

Executive Summary

Introduction

Overview of the Payments Market

  • Macroeconomy
  • Overview of China's Card Issuing Market
  • Major Players' Performance in 1H2011
  • Consumer Adoption of Credit
  • Acceptance Environment

Strategic Developments

  • EMV/PBOC Migration
  • Profitability
  • Credit Crunch
  • Merchant Acquiring Landscape
  • Online Payments
  • Mobile Payments

Conclusion

  • Copyright Notice
  • End Notes

Figures and Tables

  • Figure 1: China's Payment Card Market, 2006 - 2011(E)
  • Figure 2: Card Spending in China, 1Q2008 - 2Q2011(E)
  • Figure 3: Year-over-Year Growth of Card Market in China, by Number of Cards, 2004 - 2011(E)
  • Figure 4: Top Credit Card Issuers in China, Mid-2011
  • Figure 5: Revolving Balances on Credit Cards in China, 2004 - 2010
  • Figure 6: Revolving Balances on Credit Cards in China: The Case of CMB, 2006 - 2010
  • Figure 7: Card Acceptance in China, 2006 - 2011(E)
  • Figure 8: Bank of China's 54 Different Credit Card Offerings, 2011
  • Table 1: Interchange in China
  • Figure 9: Share of Online Payments Volumes in China, 2010
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