中国のATM (自動現金預払機) 産業の分析 (2019～2025年)
China Automatic Teller Machine (ATM) Industry Report, 2019-2025
|出版日||ページ情報||英文 195 Pages
|中国のATM (自動現金預払機) 産業の分析 (2019～2025年) China Automatic Teller Machine (ATM) Industry Report, 2019-2025|
|出版日: 2019年05月15日||ページ情報: 英文 195 Pages||
1985年に中国初の自動現金預払機 (ATM) が設置されて以来、ATMの設置台数は急速に増加し続けてきました。2018年末現在、中国全土のATM設置台数は合計1,110,800台 (前年比15.6%増) に達しました。他方、オンライン／モバイル決済が普及するにつれて、従来型のATMの保有台数が減少に転じており、代わってバーチャルATM (VTM) やスマートATM (STM) といった新規サービスが登場しています。
当レポートでは、中国におけるATMの市場・産業について分析し、世界全体および中国国内の市場規模動向や競争構造、分野別の詳細動向 (CRS、VTMなど)、関連市場 (バンクカード) の動向、主要顧客 (銀行) および外資系／国内系メーカーの概要、今後の市場の方向性などを調査しております。
Since 1985 when the first ATM was deployed in China, ATM installation has been on the rise. By the end of 2018, the ownership of bank self-service equipment had reached 1,110,800 units in China, presenting a year-on-year upsurge of 15.6%, with 7.99 units per 10,000 people, up 15.03% over the previous year. As estimated, the ownership will exceed 2.1 million units in 2025.
In 2018, the statistical standards for bank self-service equipment ownership changed, with intelligent teller machines added, which helped explain the 12 percentage points higher in the ownership growth than in 2017. Noticeably, the self-service equipment ownership suffered a decline for the first time in 2018: in the fourth quarter, ATM ownership stood at 1,110,800 units, a reduction of 17,700 units from the third quarter of the year, from which it can be seen that banks need more intelligent machines in the wave of FinTech.
As online and mobile payments take ground, cash payment is being shocked. In 2016, China's ATM ownership growth plummeted to 6.6% along with the first negative growth in cash withdrawal with bank cards, before a nose drive to a mere 3.9% in 2017. In 2018, ATM ownership went down for the first time. Banks urgently need to address the rising costs such as outlet rental and staff wages as well as the challenges posed by internet banking, and intelligent equipment & information system serve as a solution to lower cost and higher efficiency. By the end of 2018, there had been 228,600 banking outlets in China, first less than in the previous quarter; a record of 88.67% transactions on average had not been handled on bank counter. Against the backdrop, new types of self-service equipment, typically virtual teller machine (VTM) and smart teller machine (STM) open up a new market.
In 2019, VTM and STM are becoming the mainstream ATM, both providing comprehensive services like public-to-private transfer, domestic and foreign transactions, domestic and foreign currencies and financial management. Versatile functions and high cost-performance ratio will ensure the leading role of VTM and STM in future self-service financial service market. Currently, major banks in China have begun to deploy such equipment, such as China Construction Bank having launched a total of virtually 50,000 VTMs/STMs as of 2018.
In China, bank self-service terminals will be more deployed outside banks to form a network and offer more functions to meet the needs of rural urbanization as they pack more emerging technologies. The way of expansion in the form of network outside banks will hold the trend and help to solve the problem of uneven distribution of machines between regions, between urban and rural areas or between different places in the same area. More self-service terminals will be needed accordingly.
NCR, Diebod and WincorNixdorf are the top three players in the world, with a combined 80% share of the global market. Among dozens of ATM manufacturers in China, domestic brands include GRG Banking Equipment Co., Ltd., Shenzhen Yihua Computer Co., Ltd., Eastern Communications Co., Ltd. (Eastcom), Guangzhou KingTeller Technology Co., Ltd. and Cashway Technology Co., Ltd.; European and American brands include NCR, Diebod and WincorNixdorf; Japanese and Korean brands cover Hitachi, OKI and Hyosung.
GRG Banking Equipment Co., Ltd. started with production of ATMs, and had topped the list of ATM sales in China for ten consecutive years from 2008 to 2017, with a market share of nearly 30%. In 2018, the company registered RMB5,459 million in revenue, soaring 24.53% from a year earlier, which was credited to more earnings from its intelligent security and intelligent finance operations.
Guangzhou KingTeller Technology Co., Ltd. is engaged in sales and operation of ATM products. In 2018, its revenue and net income attributable to the shareholders of the listed company plunged by 32.77% and 798.93% to RMB383 million and negatively RMB96.22 million versus 2017, respectively. The worse performance resulted from less demand.
ATM industry (definition, classification, industry chain, market characteristics, business model, industry policy, technology trend, etc.);
Global ATM market (size, competitive pattern, structure, prospect, etc.);
China ATM market (size, competitive pattern, import & export, structure, prospect, etc.);
China ATM market segments (CRS, VTM, ATM, STM, etc.);
Bank card market (quantity of cards issued, IC card development, etc.);
11 ATM manufacturers (NCR, Diebold, Wincor Nixdorf, Hitachi, OKI, GRG Banking, KingTeller, Eastcom, DCITS and Shenzhen Yihua Computer) (profile, operation, revenue structure, R&D costs, ATM business, development strategy, etc.).