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中国の自動車金融産業の分析 (2016年)

China Automotive Finance Industry Report, 2016

発行 ResearchInChina 商品コード 278816
出版日 ページ情報 英文 95 Pages
納期: 即日から翌営業日
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中国の自動車金融産業の分析 (2016年) China Automotive Finance Industry Report, 2016
出版日: 2016年08月24日 ページ情報: 英文 95 Pages
概要

中国国内の自動車金融市場は現在急速に成長しており、2015年の市場規模は約8500億人民元、2016年には約1兆人民元 (前年比17.6%増) に達する見通しです。それでも、自動車の普及率は35%程度で、欧州・米国・日本などの先進国 (50%以上) と比べるとまだ低い水準にあり、まだ大幅な成長余地が残されていると言えるでしょう。市場の80%以上を商業銀行やカーローン専門企業が独占していますが、その他の小規模企業 (カーリース企業、インターネット自動車金融) も政策的支援を受けて、今後大きく成長すると見られています。

当レポートでは、中国における自動車金融(オートローン)産業について分析し、世界全体の業界構造・動向や、中国国内の発展環境 (最新情勢・市場規模動向・競争環境など)、セグメント別の詳細動向 (カーリース、中古車金融、インターネット自動車金融:最新情勢、政策的支援、競争環境など)、内外の主要企業のプロファイルといった情報を取りまとめてお届けいたします。

第1章 概要

  • 定義
  • 分類
  • 市場参入企業

第2章 世界の自動車金融産業の発展

  • 発展環境
  • 現状
  • 主要国における自動車金融の概況
    • 米国
    • 中国
    • 日本
  • 競争環境
  • 世界各地への進出状況

第3章 中国の自動車金融産業の発展

  • 発展環境
    • 政策環境
    • 経済環境
    • 自動車生産・販売台数
    • 自動車保有台数
  • 発展の歴史
  • 現状
  • 市場規模
  • 競争環境
  • 自動車金融企業の経営状況
  • 発展傾向
    • 国内系メーカーのプレゼンス拡大
    • 新エネルギー車・中古車市場:政策的支援と巨大な潜在的市場
    • インターネット自動車金融の流行
    • 自動車金融に向けた、銀行と自動車企業の協力体制
    • 市場競争の概況
    • 特殊な/広範な資金源
    • 国際化

第4章 中国の自動車金融産業の各部門

  • カーリース
    • 概要
    • 発展の歴史
    • ビジネスモデル
    • 現状
    • 政策的支援
    • 競争環境
    • 問題点
  • 中古車向け自動車金融
    • 概要
    • 中古車市場の規模
    • 市場構造
    • 中古車向け金融の発達に対する政策的支援
    • 中古車市場の巨大な潜在的市場規模
    • 競争環境
  • インターネット自動車金融
    • 概要
    • 政策的支援
    • 現状
    • インターネット自動車金融への資本投下

第5章 メーカー系自動車金融企業

  • SAIC-GMAC
    • プロファイル
    • 経営状況
    • 自動車金融事業
    • 発展状況
  • Volkswagen Finance (China)
  • BYD Auto Finance
  • Ford Automotive Finance (China)
  • Dongfeng Nissan Auto Finance
  • Herald International Financial Leasing
  • Toyota Motor Finance (China)
  • BMW Automotive Finance (China)
  • Yulon Motor Finance (China)
  • Chongqing Auto Finance
  • GAC-SOFINCO Automobile Finance
  • Genius Auto Finance

第6章 自動車ディーラー

  • Yongda Automobiles
  • China Grand Auto
  • Pang Da Automobile Trade
  • Yaxia Automobile

第7章 その他の企業

  • Great China Finance Leasing
  • Zhejiang Jingu Co., Ltd.
  • Yixin Capital
  • eCapital
  • CAR Inc.
  • Dafang Car Rental
  • Jiayin Financial Leasing

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: ZLC035

Auto finance industry is flourishing in China with market size approximating RMB850 billion in 2015 and expected to rise by 17.6% from a year ago to around RMB1 trillion in 2016. Compared with mature markets like Europe, the United States and Japan that boast penetration rates above 50%, China's auto finance penetration rate is low, only 35% or so, indicating large room for growth. As those born in the 1980s and 1990s gradually become the key consumers of cars, changes in consumption habits will promote the development of automotive finance industry, boosting auto finance penetration rate in China to an estimated 50% in 2020.

The Chinese automotive finance market now is still dominated by commercial banks and auto finance companies which together seize a more than 80% share. The remaining less than 20% is shared by financial leasing companies, Internet finance companies and other institutions. However, propelled by favorable policies, these small players will see a further rise in their market shares.

By March 2016, there were 25 auto finance companies approved in China with total assets of RMB419 billion. These players lent a total of RMB391.06 billion in 2015, including retail loans of RMB305.15 billion (78%) and dealership loans of RMB84.05 billion (21.5%).

Among these 25 auto finance companies, several large foreign-funded enterprises including SAIC-GMAC, Volkswagen Finance (China), BMW Automotive Finance (China), and Toyota Motor Finance (China) are highly competitive with rich experience and solid financial strength. The four players booked net interest income of RMB3.8661 billion, RMB2.2921 billion, RMB1.9933 billion, and RMB1.7402 billion in 2015, respectively.

Driven by favorable policies, used car finance and Internet auto finance are ushering in opportunities for development.

Used car finance: Over 9.42 million used cars were traded in China in 2015. The ratio of trade volume of used cars to that of new vehicles was only 0.38, a greater gap compared with 1.5 in foreign countries, indicating a huge potential. This attracts not only traditional auto finance-related companies but also Internet giants (like Bitauto, Tencent, JD, and Alibaba) to make their presence in the segment.

The promulgation of the Opinions on Promoting Convenient Transaction of Used Cars not only regulates used car transaction markets but also increases support for used car transaction credit and lowers credit standards, thus fueling the development of used car finance. The Chinese used car finance market will be gradually opened.

Internet auto finance: Auto finance industry in China has moved into an "Internet Plus"era. Thanks to a series of measures put forward in the Guidance on Promoting the Healthy Development of Internet Finance to encourage Internet finance platform, product, and service innovation and local governments' support for Internet finance, China's "Internet + auto finance" is embracing opportunities.

While traditional auto finance-related companies combine their original auto finance business with Internet, the Internet giants like Alibaba, JD, Bitauto, and Autohome also branch out into auto finance sector.

image1

China Automotive Finance Industry Report, 2016 highlights the followings:

  • Global auto finance industry (development environment, status quo, development of auto finance in various countries, competitive landscape, etc.);
  • Auto finance industry in China (development environment, status quo, market size, competitive landscape, development trends, etc.);
  • Chinese auto finance market segments (auto financial leasing, used car finance, and Internet auto finance) (development status, policy support, competitive landscape, etc.);
  • 12 OEM-related auto finance companies, 4 auto finance-related dealers, and 7 other auto finance-related companies (profile, auto finance business, etc.)

Table of Contents

1 Overview

  • 1.1 Definition
  • 1.2 Classification
  • 1.3 Market Players

2 Development of Global Automotive Finance Industry

  • 2.1 Development Environment
  • 2.2 Status Quo
  • 2.3 Overview of Auto Finance in Major Countries
    • 2.3.1 United States
    • 2.3.2 Germany
    • 2.3.3 Japan
  • 2.4 Competitive Landscape
  • 2.5 Global Expansion

3 Development of Automotive Finance Industry in China

  • 3.1 Development Environment
    • 3.1.1 Policy Environment
    • 3.1.2 Economic Environment
    • 3.1.3 Automobile Production and Sales
    • 3.1.4 Car Ownership
  • 3.2 Development History
  • 3.3 Status Quo
  • 3.4 Market Size
  • 3.5 Competitive Landscape
  • 3.6 Operation of Auto Finance Companies
  • 3.7 Development Trends
    • 3.7.1 Domestic OEMs Accelerate Their Presence in Auto Finance Field
    • 3.7.2 New Energy & Used Cars Enjoy Huge Potential with Policy Support
    • 3.7.3 Internet Auto Finance Has Developed into a Trend
    • 3.7.4 Cooperation between Banks and Enterprises Is the Development Direction of Auto Finance
    • 3.7.5 Competition in Auto Finance Industry Pricks Up
    • 3.7.6 Specialized and Diversified Capital Sources
    • 3.7.7 Internationalization

4 Chinese Auto Finance Market Segments

  • 4.1 Auto Financial Leasing
    • 4.1.1 Overview
    • 4.1.2 Development History
    • 4.1.3 Business Model
    • 4.1.4 Status Quo
    • 4.1.5 Policy Support
    • 4.1.6 Competitive Landscape
    • 4.1.7 Problems
  • 4.2 Used Car Finance
    • 4.2.1 Overview
    • 4.2.2 Used Car Market Size
    • 4.2.3 Market Structure
    • 4.2.4 Policies Support the Development of Used Car Finance
    • 4.2.5 Huge Used Car Market Potential
    • 4.2.6 Competitive Landscape
  • 4.3 Internet Auto Finance
    • 4.3.1 Overview
    • 4.3.2 Policy Support
    • 4.3.3 Status Quo
    • 4.3.4 Capitals into Internet Auto Finance

5 OEM-related Auto Finance Companies

  • 5.1 SAIC-GMAC
    • 5.1.1 Profile
    • 5.1.2 Operation
    • 5.1.3 Auto Finance Business
    • 5.1.4 Developments
  • 5.2 Volkswagen Finance (China)
    • 5.2.1 Profile
    • 5.2.2 Operation
    • 5.2.3 Auto Finance Business
    • 5.2.4 Developments
  • 5.3 BYD Auto Finance
    • 5.3.1 Profile
    • 5.3.2 Operation
    • 5.3.3 Auto Finance Business
    • 5.3.4 Developments
  • 5.4 Ford Automotive Finance (China)
    • 5.4.1 Profile
    • 5.4.2 Operation
    • 5.4.3 Auto Finance Business
    • 5.4.4 Developments
  • 5.5 Dongfeng Nissan Auto Finance
    • 5.5.1 Profile
    • 5.5.2 Auto Finance Business
    • 5.5.3 Developments
  • 5.6 Herald International Financial Leasing
    • 5.6.1 Profile
    • 5.6.2 Auto Finance Business
  • 5.7 Toyota Motor Finance (China)
    • 5.7.1 Profile
    • 5.7.2 Operation
    • 5.7.3 Auto Finance Business
  • 5.8 BMW Automotive Finance (China)
    • 5.8.1 Profile
    • 5.8.2 Operation
    • 5.8.3 Auto Finance Business
    • 5.8.4 Developments
  • 5.9 Yulon Motor Finance (China)
    • 5.9.1 Profile
    • 5.9.2 Auto Finance Business
  • 5.10 Chongqing Auto Finance
    • 5.10.1 Profile
    • 5.10.2 Operation
    • 5.10.3 Obtains Capital Increase of RMB2.5 Billion
  • 5.11 GAC-SOFINCO Automobile Finance
    • 5.11.1 Profile
    • 5.11.2 Operation
    • 5.11.3 Auto Finance Business
  • 5.12 Genius Auto Finance

6 Auto Dealers

  • 6.1 Yongda Automobiles
    • 6.1.1 Profile
    • 6.1.2 Operation
    • 6.1.3 Auto Finance Business
    • 6.1.4 Shanghai Yongda Finance Leasing Co., Ltd.
    • 6.1.5 Yongda Financial Group Holdings Limited
    • 6.1.6 Launches First Auto Finance Services for Uber
    • 6.1.7 Strategic Investment to Build Internet Auto Finance
  • 6.2 China Grand Auto
    • 6.2.1 Profile
    • 6.2.2 Operation
    • 6.2.3 Revenue Structure
    • 6.2.4 All Trust Leasing Co., Ltd.
    • 6.2.5 Financial Leasing Business
    • 6.2.6 Accelerated Presence in Financial Leasing Business
    • 6.2.7 Presence in Internet/Used Car Finance
  • 6.3 Pang Da Automobile Trade
    • 6.3.1 Profile
    • 6.3.2 Operation
    • 6.3.3 Pang Da ORIX Auto Leasing
    • 6.3.4 Pang Da Leye Leasing Co., Ltd.
    • 6.3.5 Cooperates with JD Finance to Expand to Internet Auto Finance Field
  • 6.4 Yaxia Automobile
    • 6.4.1 Profile
    • 6.4.2 Operation
    • 6.4.3 Revenue Structure
    • 6.4.4 Auto Finance Business
    • 6.4.5 Accelerated Presence in Auto Finance Industry
    • 6.4.6 Presence in Internet Auto Finance Field

7 Other Auto Finance Companies

  • 7.1 Great China Finance Leasing
    • 7.1.1 Profile
    • 7.1.2 Auto Finance Business
  • 7.2 Zhejiang Jingu Co., Ltd.
    • 7.2.1 Profile
    • 7.2.2 Operation
    • 7.2.3 Moves into Auto Finance Field
  • 7.3 Yixin Capital
    • 7.3.1 Profile
    • 7.3.2 Auto Finance Business
    • 7.3.3 Secures Investment of Over RMB3.6 Billion from Tencent, Baidu, and JD
  • 7.4 eCapital
    • 7.4.1 Profile
    • 7.4.2 Auto Finance Business
    • 7.4.3 Developments
  • 7.5 CAR Inc.
    • 7.5.1 Profile
    • 7.5.2 Operation
    • 7.5.3 Auto Finance Business
  • 7.6 Dafang Car Rental
    • 7.6.1 Profile
    • 7.6.2 Auto Finance Business
  • 7.7 Jiayin Financial Leasing
    • 7.7.1 Profile
    • 7.7.2 Auto Finance Business

Selected Charts

  • Advantages and Disadvantages of Major Auto Finance Practitioners in China
  • Global Automobile Output, 2010-2015
  • Global TOP 20 Countries by Automobile Output, 2015
  • Output of Passenger Cars Worldwide, 2010-2015
  • Output of Commercial Vehicles Worldwide, 2010-2015
  • Profit Structure of Mature Automotive Industry Chain
  • Global Automobile Percentage by Purchasing Mode
  • Global Auto Finance Penetration by Country, 2015
  • Features of Auto Finance Service in the US
  • Features of Auto Finance Service in Germany
  • Features of Auto Finance Service in Japan
  • Structure of Overseas Auto Finance Market by Capital Source, 2015
  • GM's Auto Finance Layout Worldwide
  • Operating Performance of GM's Auto Finance, 2011-2015
  • China's Policies on Auto Finance Industry, 2004-2016
  • China's GDP, 2012-2016
  • China's Automobile Output, 2010-2020E
  • China's Automobile Sales Volume and YoY Growth, 2012-2016
  • China's Car Ownership, 2008-2015
  • Developmental Stages of Auto Finance in China
  • China's Auto Finance Penetration, 2015-2020E
  • China's Auto Finance Market Size, 2014-2020E
  • Structure of China's Auto Finance Market by Capital Source, 2015
  • Major Auto Finance Companies in China1
  • Operating Performance of Major Auto Finance Companies in China, 2015
  • Total Assets of Auto Finance Companies in China, 2013-2015
  • Net Income of Auto Finance Companies in China, 2013-2015
  • Loans of Auto Finance Companies in China (by Type), 2013-2015
  • Main Business Structure of Auto Finance Companies in China, 2013-2015
  • Number of Automobiles (by Type) that Received Loans from Auto Finance Companies in China, 2013-2015
  • Cases of Chinese Internet Firms that Make Layout in Internet Auto Finance
  • Cases of Banks and Enterprises that Work Together to Make Layout in Auto Finance
  • Financial Leasing Procedure
  • Main Features of Auto Financial Lease
  • Comparison between Financial Leasing and Financial Loans
  • Development Stage of Auto Financial Leasing in China
  • Comparison of Business Models of Auto Financial Leasing
  • Penetration of Financial Leasing in Major Countries
  • Policies on Auto Financial Leasing in China, 2008-2015
  • Major Participants in Chinese Auto Financial Leasing Market
  • Trade Volumeof Used Vehicles and YoY Growth in China, 2011-2016
  • Trade Volumeof Used Vehicles in China by Region, 2015
  • Trade Volumeof Used Vehicles in China by Region, 2015 (%)
  • Trade Volumeof Used Vehicles in China by Type, 2014-2015 (%)
  • Trade Volumeof Used Vehicles in China by Service Life, 2015 (%)
  • Trade Volumeof Used Vehicles in China by Price Range, 2015 (%)
  • Ratio of Trade Volumeof Used Vehicles to That of New Vehicles in China, 2012-2015
  • Ratio of Trade Volumeof Used Vehicles to That of New Vehicles in Major Countries
  • Advantages and Disadvantages of Used Vehicle Finance Participants
  • Businesses of Major Suppliers of Used Vehicle Financial Services
  • Procedures of Internet Auto Finance and Traditional Auto Mortgage Loan
  • Local Authorities' Policy Supports for Internet Finance
  • Cases of Capitals into Internet Auto Finance
  • Equity Structure of SAIC-GMAC
  • Net Interest Income and Net Income of SAIC-GMAC, 2013-2015
  • Main Business Types of SAIC-GMAC
  • Car Loan Process of SAIC-GMAC
  • Used Car Loan Service Flow of SAIC-GMAC
  • Development Course of Volkswagen Finance (China)
  • Net Interest Income and Net Income of Volkswagen Finance (China), 2013-2015
  • Main Types of New Car Loans of Volkswagen Finance (China)
  • Equity Structure of BYD Auto Finance Co., Ltd.
  • Business Performance of BYD Auto Finance Co., Ltd., 2015
  • Key Auto Finance Products of BYD Auto Finance Co., Ltd.
  • Business Flow of BYD Auto Finance Co., Ltd.
  • Busines Performance of Ford Automotive Finance (China), 2014-2015
  • Key Auto Finance Products of Ford Automotive Finance (China)
  • Loan Process of Ford Automotive Finance (China)
  • Equity Structure of Dongfeng Nissan Auto Finance Co., Ltd.
  • New Car Loan Products of Dongfeng Nissan Auto Finance Co., Ltd.
  • Used Car Loan Products of Dongfeng Nissan Auto Finance Co., Ltd.
  • Car Loan Process of Dongfeng Nissan Auto Finance Co., Ltd.
  • Dongfeng Nissan Auto Finance's Low-Interest Promotion Schemes for All Dongfeng Nissan Cars, Jan-Feb 2016
  • Dongfeng Nissan Auto Finance's Low-Interest Promotion Schemes for All Venucia Cars, Jan-Feb 2016
  • Brands Supported by Herald Leasing
  • Main Financial Leasing Types of Herald Leasing
  • Net Interest Income and Net Income of Toyota Motor Finance (China), 2013-2016
  • Loan Program of Toyota Motor Finance (China)
  • Comparison of Toyota Motor Finance (China)'s Smart Loan Products and Average Capital Plus Interest Products
  • Equity Structure of BMW Automotive Finance (China)
  • Net Interest Income and Net Income of BMW Automotive Finance (China), 2013-2015
  • Main Car Loan Products of BMW Automotive Finance (China)
  • Example of BMW Automotive Finance (China)'s Financial Leasing- Direct Leasing Scheme
  • Example of BMW Automotive Finance (China)'s Financial Leasing- Sale-and-Leaseback Scheme
  • Main Operations of Yulon Motor Finance Co., Ltd.
  • New Car Loan Types of Yulon Motor Finance Co., Ltd.
  • Equity Structure of Chongqing Auto Finance Co.,Ltd.
  • Financial Metrics of GAC-SOFINCO Automobile Finance, 2014-2015
  • Main Auto Finance Businesses of GAC-SOFINCO Automobile Finance
  • Approval Process of GAC-SOFINCO Automobile Finance
  • "360 Programme" After-sales Funds Quota of GAC-SOFINCO Automobile Finance
  • Equity Structure of Genius Auto Finance
  • Revenue and Gross Margin of Yongda Automobiles, 2013-2015
  • Financial Businesses of Yongda Automobiles
  • Revenue and Net Income of China Grand Auto, 2014-2016
  • Revenue Breakdown of China Grand Auto by Business, 2015
  • Financial Data of All Trust Leasing, 2015
  • Major Financial Leasing Schemes of All Trust Leasing
  • Financial Leasing Procedures of All Trust Leasing
  • Equity Structure of Shaanxi ChangyinConsumer Finance Co., Ltd.
  • Revenue and Net Income of Pang Da Group, 2013-2016
  • Operating Leasing and Financial Leasing of Pang Da ORIX Auto Leasing
  • Auto Financial Leasing Procedures of Pang Da ORIX Auto Leasing
  • Financial Data of Pang Da Leye Leasing, 2014-2015
  • Revenue and Net Income of Yaxia Automobile, 2013-2016
  • Revenue Breakdown of Yaxia Automobile by Business, 2013-2015
  • Revenue Structure of Yaxia Automobile by Business, 2013-2015
  • Purposes of Capitals Raised via Private Placement Plan of Yaxia Automobile, 2015
  • Major Partners of Chuangfu Finance Leasing
  • Features of Chuangfu Finance Leasing
  • Online Car Purchase Application Procedures of Chuangfu Finance Leasing
  • Revenue and Net Income of Zhejiang Jingu Co., Ltd., 2013-2016
  • Equity Structure of Yixin Capital
  • Major Partners of daikuan.com
  • Financial Leasing Schemes of eCapital
  • Major Customers of eCapital
  • Tesla-dedicated Financial Leasing Products of eCapital
  • Business Performance of Car Inc., 2014-2016
  • Revenue Structure of Car Inc., 2013-2016
  • Fleet Size of Car Inc., 2013-2016
  • Financial Leasing and Revenue of Car Inc., 2012-2016
  • Financial Leasing Procedures of Car Inc.
  • Six Advantages of Dafang Car Rental's Platform (usedcar.dafang24.com/)
  • New Car Financing Schemes of Jiayin Financial Leasing
  • Used Car Financing Schemes of Jiayin Financial Leasing
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