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Country Report

China Flag Consumer Lending in China

| Pages: 14

Price: US$2,100

About this Report

EXECUTIVE SUMMARY

Deceleration in growth in overall gross lending due to weaker housing market

Mortgage/housing is the most important category consumer lending. However, the tepid performance of China’s residential housing market, affected by the slowing down of the macro economy and weaker consumer confidence, led to mortgage/housing seeing a decelerating trend in term of gross lending in 2014. Other types of loan, such as card lending and home lending, also slowed in terms of growth, though not as dramatically, resulting in the overall decelerating trend in gross lending.

Non-card lending witnesses a dynamic performance

Financial institutions in China have continued to invest in products innovations in relatively new areas, such as auto lending, durable lending and other personal lending, to meet demand from consumers, who have shown increasing acceptance of such emerging lending products. Correspondingly, several types of non-card lending saw dynamic growth in 2014 in terms of both gross lending and outstanding balance, albeit from relatively small bases.

New policy to broaden the presence of consumer finance companies

The China Banking Regulatory Commission revised the “Regulations for Pilot Consumer Finance Companies” in December 2013, announcing the addition of 10 new pilot cities for consumer finance companies, such as Nanjing, Hangzhou, Quanzhou and Guangzhou. The previous four pilot cities were Beijing, Shanghai, Chengdu and Shenzhen. The revised policy lowered the threshold for stakeholders in consumer finance companies to include qualified non-financial institutions and qualified institutions in Hong Kong and Macau. The businesses of such companies are based on durable lending and “other” personal lending.

Deceleration in growth of outstanding balance for card lending

Outstanding balance for card lending registered a strong slowdown in growth in 2014. This was due in part to credit cards beginning to show signs of maturity in China. In addition, some consumers have switched to non-card lending, as a result of more favourable interest rates. Consumers have also shortened the lending period in card lending.

Stable performance for consumer lending in the forecast period

Consumer lending is forecast to see slightly decelerating but still dynamic growth in terms of both gross lending and outstanding balance during the forecast period. Mortgage/housing will witness a tepid performance, due to the relatively poor outlook of China’s residential market, while non-card lending will become the key driver of the overall market due to its more favourable interest rates for lenders, as well as consumers’ increasing knowledge and more sophisticated demands.

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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

Deceleration in growth in overall gross lending due to weaker housing market

Non-card lending witnesses a dynamic performance

New policy to broaden the presence of consumer finance companies

Deceleration in growth of outstanding balance for card lending

Stable performance for consumer lending in the forecast period

KEY TRENDS AND DEVELOPMENTS

Mortgage/housing witnesses sharp deceleration in growth

Strong consumption drives non-card lending

Deceleration in card lending growth, as category matures

MARKET DATA

  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2009-2014
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2009-2014
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2009-2014
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2009-2014
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2009-2014
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2009-2014
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2009-2014
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2009-2014
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2014-2019
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2014-2019
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2014-2019
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2014-2019

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 2009-2014
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2009-2014
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2009-2014
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2009-2014
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2014-2019
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2014-2019
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2014-2019
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2014-2019

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
  • Other Personal Lending by Type
  • Non-performing vs Others loans

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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