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市場調査レポート

ベトナムの消費者金融市場

Vietnam Consumer Finance Market Report 2017

発行 StoxPlus - Biinform 商品コード 314708
出版日 ページ情報 英文 78 Pages
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ベトナムの消費者金融市場 Vietnam Consumer Finance Market Report 2017
出版日: 2017年05月10日 ページ情報: 英文 78 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

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目次

Fast forward to this new edition of our report ‘Vietnam Consumer Finance Report 2017’, StoxPlus provided an updated and comprehensive analysis on the industry.

What's new in this issue?

We provide a detailed analysis on the growth of Consumer Finance (CF), including the performance of Banks and CF Companies. Furthermore, a holistic breakdown on performance in different loan sectors of CF Companies is also provided. Based on the analysis, the size, growth and prospect of each loan sector is revealed together with the share performance of players in each sector. The report also sheds light on other aspects of performance of CF Companies such as their customers' satisfaction (analysed based on our survey on 950 samples in Hanoi, Ho Chi Minh city and Danang), comparing financial performance of key players.The different analyses on these companies' performance is synthesized in a section investigating current CF models to give a hint on advantages and disadvantages each model may have.

  • Consumer Loans in Vietnam enjoys high growth in 2016 though slowing down compared to the growth of 2015: The market is still growing but slowing down the growth trajectory in 2015. The peaking of consumer finance market in 2015 was attributed to the growth of real estate sector as it led to the growth of housing/home improvement loan (without collaterals). Therefore, the slowing down growth of CF in 2016 is still a high growth rate compared to other segments in financial services.
  • New movements from players in the landscape of 2016: FE Credit continues to strengthen its leading position in market share. Home Credit Vietnam keeps a steadier growth track, and is positioned as the second player. HD Saison is aggressively expanding and closely followed Home Credit. Together, these 3 top companies account for 76.3% market share, while the other players compete for the remaining 23.7%.
  • Which model should CF Companies follow: The aggressor (like FE Credit) or the conservative (like JACCS)? This is a question of business model which we analyzed in details in terms of market share, NIM, NPL, market coverage, and number of products. Each company has their own focus, but it is necessary to balance between gaining market share and managing risk effectively. The two typical examples are FE Credit and Home Credit. FE Credit is able to increase share significantly yet incurring high NPL while Home Credit Vietnam maintains stable growth with low NPL.
  • Dynamics of Fintech companies: Fintech is a topic that we already covered in the last issue, but it is becoming more and more important to the operations of consumer finance companies as we forecasted. A few of Fintech companies have tapped into consumer landing segment, including Mobivi, Manh Thuong Quan, and Doctor Dong. Although these 3 players are all at early stage, they would set helpful practice for CF Companies to integrate in their existing business to stay competitive in a changing landscape.
  • New government regulations on CF: Regulation continues to be a key driver for this market. New regulation ensures the transparency and protect consumer rights. Fintech might be the next target for regulators after Decree

Table of Contents

Executive Summary

1. Overview of Vietnam CF Market

  • 1.1. Sector Structure
  • 1.2. Market Size and Growth
  • 1.3. Market Segmentation

2. Competition Dynamics

  • 2.1. Market Share Performance of CF companies
  • 2.2. Customer Satisfaction on CF companies
  • 2.3. Product offerings
  • 2.4. Sales channels
  • 2.5. Collection & repayment method
  • 2.6. Financial Performance

3. Which CF Model will rise: Traditional Model versus Disruptive Model?

  • 3.1. Traditional CF model
  • 3.2. Disruptive Model
  • 3.3. Informal Finance

4. Updates on new regulations

5. Appendices

  • Key Player Profiles
  • Data tables
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