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Country Report

China Flag Consumer Lending in China

| Pages: 13

Price: US$2,100

About this Report

Executive Summary

Easing policies secure mortgages/housing gross lending

Mortgages/housing remains the most significant category within consumer lending in terms of outstanding balance. Over the review period, authorities in China cut the minimum down payments required for both first and second properties, and reduced the term of ownership required to qualify for exemption from business taxes when selling a house from five years to two. Such strong incentives resulted in positive growth in mortgages/housing in gross lending terms, from an already huge base, and stabilised overall consumer lending.

Further development of rural market benefits non-card lending

In March 2015, People’s Bank of China (PBC) issued a notice that encouraged consumer finance companies and auto finance companies to further expand in rural areas, with a focus on other personal lending and durables lending, which will benefit overall non-card lending to some degree.

Internet finance expands non-card lending

Internet finance, such as other personal lending issued online, gained popularity over the review period. Such services offer greater convenience to borrowers compared to traditional lending products, with application processing, qualification of borrowers and issuing of loans undertaken online, and are increasingly popular among young borrowers. The entry of two internet private banks – Webank and MYbank – over the review period increased the presence of internet finance, and the availability of non-card lending, other personal lending and durables lending in particular.

Deceleration of card lending as market matures

Card lending witnessed slower growth in terms of outstanding balance and gross lending in 2015. The staple market of card lending remains developed cities, especially tier-one cities such as Shanghai and Beijing. To cope with market saturation, lenders within card lending invested in product differentiation to seek new growth engines

Slowdown to continue in consumer lending

Consumer lending is projected to experience decelerating but still stable growth in terms of both gross lending and outstanding balance over the forecast period. Mortgages/housing will witness a tepid performance, due to the downturn of China’s residential market, while non-card lending will see a much more dynamic performance thanks to the emergence of new lenders, especially online players, and an increase in the number of loans granted by established lenders.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in China with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Consumer Lending industry in China, our research will save you time and money while empowering you to make informed, profitable decisions.

The Consumer Lending in China market research report includes:

  • Analysis of key supply-side and demand trends
  • Historic volumes and values
  • Five year forecasts of market trends and market growth  
  • Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

  • What is the market size of Consumer Lending in China?
  • What are the major trends set to impact the market in China?
  • What capacity for consumer debt still exists in the market?
  • What’s the state of credit quality in the market?
  • Has the economic downturn reset the lender competitive landscape?

Why buy this report?

  • Gain competitive intelligence about market leaders
  • Track key industry trends, opportunities and threats
  • Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Consumer Lending in China, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

Table of Contents

Consumer Lending in China - Industry Overview

Executive Summary

Easing policies secure mortgages/housing gross lending

Further development of rural market benefits non-card lending

Internet finance expands non-card lending

Deceleration of card lending as market matures

Slowdown to continue in consumer lending

Key Trends and Developments

Slight recovery in mortgages/housing driven by easing policies

Rural expansion benefits non-card lending

Emergence of internet finance mainly driven by private banks

Market Data

  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2010-2015
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2010-2015
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2010-2015
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2010-2015
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2010-2015
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2010-2015
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2010-2015
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2010-2015
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2015-2020
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2015-2020
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020

Sources

  • Summary 1 Research Sources

Consumer Credit in China - Category Analysis

Headlines

Trends

Competitive Landscape

Prospects

Category Data

  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2010-2015
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2010-2015
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2010-2015
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2010-2015
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2015-2020
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2015-2020
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020

Segmentation

This market research report includes the following:

  • Consumer Finance
    • Consumer Lending
      • Consumer Credit
        • Card Lending
        • Auto Lending
        • Durables Lending
        • Education Lending
        • Home Lending
        • Other Personal Lending
      • Mortgages/Housing

Statistics Included

For each category and subcategory you will receive the following data in Excel format:

From Passport

  • Market Sizes
  • Consumer Credit by Type
  • Non-performing vs Others loans
  • Other Personal Lending by Type

Market size details:

  • Outstanding balance % growth
  • Outstanding balance local currency, USD, EUR, GBP, CHF, JPY
  • Outstanding balance per capita local currency, USD, EUR, GBP, CHF, JPY
  • Gross lending % growth
  • Gross lending local currency, USD, EUR, GBP, CHF, JPY
  • Gross lending per capita local currency, USD, EUR, GBP, CHF, JPY

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