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Emerging Opportunities in the Chinese Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

Published By :

BRICdata

Published Date : Jun 2012

Category :

Banking

No. of Pages : 58 Pages


Synopsis

The report provides detailed market analysis, information and insights into the Chinese consumer finance market, including:

  • Current and forecast values for the Chinese consumer finance market
  • Comprehensive analysis of the industrys market attractiveness and key trends and drivers supporting the growth of the consumer finance market in China
  • Detailed analysis of the marketing strategies adopted by companies in China for selling consumer loans 
  • Detailed analysis of the challenges affecting the Chinese consumer finance market
  • The competitive landscape in the Chinese consumer finance market
  • Company profiles of the major banks in the Chinese consumer finance market

Summary

The Chinese consumer finance market recorded a compound annual growth rate (CAGR) of 28.33% during the review period (20072011). It is projected to retain a high CAGR of 24.3% over the forecast period (20122016). The strong growth will be driven by the countrys improving macroeconomic fundamentals and rising domestic demand for consumer finance products. Housing loans is the largest category in the Chinese consumer finance market. It recorded a CAGR of 24.65% during the review period. The housing loans category is projected to record a CAGR of 20.86% over the forecast period. The Chinese population has traditionally been skeptical of using credit to finance anything other than housing. 

However, as the countrys disposable income levels increase, consumers are becoming more willing to access personal loans. The changing lifestyles in China have encouraged the growth of credit cards. The number of credit cards issued in China increased at a CAGR of 27.47% during 20082011. Banks are offering lucrative schemes to encourage people to convert their transactions into equal monthly installments (EMIs), and this is also driving the growth of credit card loans in China. The Chinese government introduced various measures to control the sharp increase in property prices during the review period. These measures prohibited mortgages for third-home purchasers and increased the downpayment for second-home purchases from 50% to 60%. These measures will have an adverse impact on the Chinese housing loan category over the forecast period. 

Scope

  • This report provides an extensive analysis on the consumer finance market in China
  • It details historical values for the consumer finance market in China for 20072011, along with forecast figures for 20122016
  • The report provides a detailed analysis on key trends, drivers and challenges in the consumer finance market in China
  • It outlines the current regulatory framework in the industry
  • It provides data and analysis on the competitive landscape in the Chinese consumer finance market
  • It details the marketing strategies adopted by various companies
  • It profiles the major banks in China

Reasons To Buy

  • Make strategic business decisions using historic and forecast market data related to the Chinese consumer finance market
  • Understand the key market trends and growth opportunities in the Chinese consumer finance market
  • Assess the competitive dynamics in the Chinese consumer finance market
  • Gain insights into the marketing strategies adopted by companies to sell consumer finance products
  • Gain insights into key regulations governing the consumer finance market in China

Key Highlights

  • The Chinese consumer finance market recorded a compound annual growth rate (CAGR) of 28.33% during the review period (20072011). It is projected to retain a high CAGR of 24.3% over the forecast period (20122016). 
  • Housing loans is the largest category in the Chinese consumer finance market. It recorded a CAGR of 24.65% during the review period. 
  • Credit card loans was the fastest-growing category in the Chinese consumer finance market due to its low initial starting base.
  • The penetration of personal loans is very low in China accounting for only 5% of the total consumer finance market. 
  • The auto loans category recorded a strong CAGR of 37.88% during the review period. 
  • The education loan category is still very small in the Chinese consumer finance market, as most families use their personal savings to pay for education fees and expenses for their children. As a result, the Chinese education loan category is relatively undeveloped.
Table of Content

1 Executive Summary

2 Future Outlook of Consumer Finance in China

3 Chinese Consumer Finance Market Dynamics

3.1 Macroeconomic Fundamentals
3.1.1 GDP at constant prices
3.1.2 Annual disposable income
3.1.3 Inflation rate
3.1.4 FDI inflows
3.1.5 Urban and rural population
3.1.6 Population
3.2 Consumer Attitude Towards Credit
3.3 Key Performance Indicators
3.4 Regulatory Framework

4 Chinese Consumer Finance Market Size and Growth Potential
4.1 Overview
4.2 Housing Loans
4.3 Credit Card Loans
4.4 Personal Loans
4.5 Auto Loans
4.6 Education Loans

5 Key Trends and Growth Drivers for the Chinese Consumer Finance Market
5.1 Housing Loans
5.2 Credit Card Loans
5.3 Personal Loans
5.4 Auto Loans
5.5 Education Loans

6 Industry Structure and Competitive Landscape

7 Strategies

7.1 Marketing and Product Strategies
7.2 Market Entry Strategies
7.3 Growth Strategies

8 Challenges

9 Company Profiles

9.1 Bank of China
9.1.1 Company overview
9.1.2 Business segmentation
9.2 Agricultural Bank of China Limited
9.2.1 Company overview
9.2.2 Business segmentation
9.3 China Construction Bank Corporation
9.3.1 Company overview
9.3.2 Business segmentation
9.4 China Merchants Bank Company Limited
9.4.1 Company overview
9.4.2 Business segmentation
9.5 Bank of Communications
9.5.1 Company Overview
9.5.2 Main products and services
9.6 Industrial and Commercial Bank of China Limited
9.6.1 Company Overview
9.6.2 Key products and services

10 Appendix
10.1 About BRICdata
10.1.1 Areas of expertise
10.2 Methodology
10.3 Disclaimer

List of Table


Table 1: Chinese Consumer Finance Market Value by Category (CNY Billion), 20112016
Table 2: Chinese GDP at Constant Prices (US$ Billion), 20072016 (Base Year 19992000)
Table 3: Chinese Annual Disposable Income (US$ Billion), 20072016
Table 4: Chinese Inflation Rate (%), 20072016
Table 5: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 20072011
Table 6: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 20122016
Table 7: Chinese Banking Industry Growth by Performance Indictor (%), 20072016
Table 8: Chinese Consumer Finance Market Size (CNY Billion), 20072016
Table 9: Chinese Consumer Finance Market Share by Category (%), 20072011
Table 10: Chinese Consumer Finance Market Size by Category (CNY Billion), 20072011
Table 11: Chinese Consumer Finance Market Share by Category (%), 20122016
Table 12: Chinese Consumer Finance Market Size by Category (CNY Billion), 20122016
Table 13: Chinese Housing Loans Market Size (CNY Billion), 20072011
Table 14: Chinese Housing Loans Market Size (CNY Billion), 20122016
Table 15: Chinese Credit Card Loans Market Size (CNY Billion), 20072011
Table 16: Chinese Credit Card Loans Market Size (CNY Billion), 20122016
Table 17: Chinese Personal Loans Market Size (CNY Billion), 20072011
Table 18: Chinese Personal Loans Market Size (CNY Billion), 20122016
Table 19: Chinese Auto Loans Market Size (CNY Billion), 20072011
Table 20: Chinese Auto Loans Market Size (CNY Billion), 20122016
Table 21: Chinese Education Loans Market Size (CNY Billion), 20072011
Table 22: Chinese Education Loans Market Size (CNY Billion), 20122016
Table 23: Chinese Non-Performing Loan Ratio of Commercial Banks by Category (%), 20072011
Table 24: Chinese Credit Card Transactions, 20082011
Table 25: Chinese POS Terminals (Million), 20092011
Table 26: Chinese Automobile Sales, 20082015
Table 27: Chinese Student Studying Abroad, 20082010
Table 28: Chinese Consumer Finance Market Leading Companies (% Share), 2011
Table 29: Chinese Housing Loans Category Leading Companies (% Share), 2011
Table 30: Peoples Bank of China Market Entry Program, 2009
Table 31: Foreign Investments in Chinese Banks, 20072011
Table 32: China Merchants Bank Retail Portfolio (CNY Million), 20102011
Table 33: Chinese Government Measures to Control Rising Property Prices, 20102011
Table 34: Chinese Interest Rate (%), December 2008July 2011
Table 35: Bank of Communications, Key Facts
Table 36: Bank of Communications, Main Products and Services
Table 37: Industrial and Commercial Bank of China Limited, Key Facts
Table 38: Industrial and Commercial Bank of China Limited, Main Products and Services

List of Chart


Figure 1: Chinese Consumer Finance Market Dynamics by Category, 20072016
Figure 2: Chinese GDP at Constant Prices (US$ Billion), 20072016 (Base Year 19992000)
Figure 3: Chinese Annual Disposable Income (US$ Billion), 20072016
Figure 4: Chinese Inflation Rate (%), 20072016
Figure 5: Chinese FDI Inflows (US$ Billion), 20072010
Figure 6: Chinese Urban and Rural Population (% Share), 20072016
Figure 7: Chinese Population Size (Million), 20072016
Figure 8: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 20072011
Figure 9: Chinese Banking Industry Value by Loans and Deposits (US$ Billion), 20122016
Figure 10: Chinese Banking Industry Growth by Performance Indictor (%), 20072016
Figure 11: Chinese Consumer Finance Market Size (CNY Billion), 20072016
Figure 12: Chinese Consumer Finance Market Size by Category (CNY Billion), 20072011
Figure 13: Chinese Consumer Finance Market Size by Category (CNY Billion), 20122016
Figure 14: Chinese Housing Loans Market Size (CNY Billion), 20072011
Figure 15: Chinese Housing Loans Market Size (CNY Billion), 20122016
Figure 16: Chinese Credit Card Loans Market Size (CNY Billion), 20072011
Figure 17: Chinese Credit Card Loans Market Size (CNY Billion), 20122016
Figure 18: Chinese Personal Loans Market Size (CNY Billion), 20072011
Figure 19: Chinese Personal Loans Market Size (CNY Billion), 20122016
Figure 20: Chinese Auto Loans Market Size (CNY Billion), 20072011
Figure 21: Chinese Auto Loans Market Size (CNY Billion), 20122016
Figure 22: Chinese Education Loans Market Size (CNY Billion), 20072011
Figure 23: Chinese Education Loans Market Size (CNY Billion), 20122016
Figure 24: Chinese Number of Households (Million), 20072016
Figure 25: Chinese Non-Performing Loan Ratio of Commercial Banks by Category (%), 20072011
Figure 26: Chinese Credit Card Transactions Volume and Value, 20082011
Figure 27: Chinese POS Terminals (Million), 20092011
Figure 28: Chinese Unemployment Rate (%), 20072016
Figure 29: Chinese Automobile Sales (Million), 20072016
Figure 30: Leading Banks in China
Figure 31: Chinese Consumer Finance Market Leading Companies (% Share), 2011
Figure 32: Chinese Housing Loans Category Leading Companies (% Share), 2011
Figure 33: Chinese Consumer Finance Market Challenges
Figure 34: Chinese Interest Rate (%), December 2008July 2011
Figure 35: Chinese Household Consumption Expenditure (% of GDP), 20032011

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