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ベトナムの消費者金融市場

Vietnam Consumer Finance Market Report 2018

発行 StoxPlus - Biinform 商品コード 314708
出版日 ページ情報 英文 84 Pages
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ベトナムの消費者金融市場 Vietnam Consumer Finance Market Report 2018
出版日: 2018年05月15日 ページ情報: 英文 84 Pages
概要

当レポートでは、ベトナムにおける消費者金融市場の概要、競合状況、消費者金融モデル別の比較、主要消費者金融業者のプロファイルなどをまとめ、提供しています。

エグゼクティブサマリー

第1章 ベトナムの消費者金融市場:概要

  • 部門構造
  • 市場規模・成長率
  • 市場区分

第2章 競合力学

  • 消費者金融業者の市場シェア
  • 消費者金融業者に対する消費者の満足度
  • 商品
  • 販売チャネル
  • 回収・返済手法
  • 製品の詳細調査
  • 財務実績

第3章 消費者金融モデルの比較:従来型 vs. ディスラプティブモデル

  • 従来型の消費者金融モデル
  • ディスラプティブモデル
  • インフォーマルファイナンス

第4章 主な政策の改定

第5章 付録

  • 主要企業のプロファイル
  • データテーブル



ベトナム市場の個別調査のご案内

ドイモイ政策により世界平均のほぼ2倍の経済成長率を誇るベトナム市場。

経験豊富な現地調査員による個別の調査が行えます。

非上場企業を含む40万件以上の企業データベースも保有しています。

詳細はお問い合わせ下さい。
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目次

What's new in this issue ? Consumer Finance is growing in Vietnam but is still small compared to other regional markets and growth opportunity is still here. In the year 2017, Vietnam's Consumer Finance for 17% of the National Loan Book, driven by strong demand increases in housing and home improvement loans, as well as secured and unsecured cash loans.

Usually, banks focus on serving the middle income segments and above, leaving behind 48% of the population who are unbanked, low-income and have the potential to be CF customers. However, since banks are the traditional go-to source for financing, in 2017 finance companies only accounted for approximately 8.4% of the total outstanding consumer loans, as opposed to 91.6% of commercial banks. Nevertheless the market is becoming more competitive and new entrants are still incoming.

Consumer finance market has experienced changes in portfolio in 2017

  • Housing loans increased in tandem with the overall growth thanks to the warm real estate market
  • Home appliances loans and Vehicle loans had negative growth as the market becomes more saturated
  • Meanwhile, finance companies are focusing on developing the market for credit card and cash loans
  • For the foreseeable future, POS remains a key entry product, while Finance Companies are now eyeing the mobile and digital channels such as IPS and P2P for the next move

The rush for market share has now been replaced by the focus on the efficiency of business model and better risk management

  • Leading Finance companies are now past the market share grabbing phase and entering a "professionalization" phase, with different sales model and risk models applied
  • In this new phase, the digitization as well as the rise of Fintech and mobile payment would shape the Consumer Finance market

Multiple M&As have happened in 2017 as foreign investors are interested in acquiring CF licenses, indicating stronger competition in coming years

Table of Contents

Executive Summary

1 Vietnam Consumer Finance Market

  • 1.1 Sector structure
  • 1.2 Market size and growth
  • 1.3 Market Segmentation

2 Competition Dynamics

  • 2.1 Market share of CF companies
  • 2.2 Key Product Trends
  • 2.3 Financial performance of CF companies
  • 2.4 Sales Channel
  • 2.5 Marketing Campaigns

3 Key Trends of Vietnam CF Market

  • 3.1 CF Companies: On the Road to Professionalization
  • 3.2 The Rise of Fintech and Mobile Payment
  • 3.3 Active Foreign Investment Inflows

4 Key Challenges of Vietnam CF Market

  • 4.1 Understanding Customer
  • 4.2 Risk Management

5 Regulatory Framework Updates

Appendices

  • A1 Company Profiles
  • A2 Product Details
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