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市場調查報告書

中國個人投資商品市場

Personal Investment Products - China - June 2015

出版商 Mintel China 商品編碼 335233
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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中國個人投資商品市場 Personal Investment Products - China - June 2015
出版日期: 2015年06月30日 內容資訊: 英文
簡介

中國投資商品人氣依舊高漲。對中國消費者而言、現在購買投資商品是最普遍的家庭資產管理方法。這是因為中國利息低與一般消費者可用所得增加。中國消費者一般投資重點集中於風險與回收報酬、對投資商品本身並不瞭解、選擇投資商品時傾向詢問專家意見。

本報告針對中國個人投資商品市場進行調查提供市場動向、課題、宏觀經濟背景、消費者動向等多角度分析、個人投資商品市場的現在、未來、中國消費者選擇投資商品時的重點、個人投資者種類分類深入分析。

第1章 序

  • 定義
  • 調查方法
  • 簡稱

第2章 摘要整理

  • 消費者
  • 誰在管理家庭財務狀況?
  • 比起儲蓄消費者選擇投資
  • 消費者期待低成本的投資商品
  • 沒有充分的知識是投資最大的阻礙
  • 中國消費者考慮重點集中於風險與報酬
  • 中國個人投資者信賴他人的意見
  • 一般中國個人投資者目前相當保守
  • Mintelゎ特定的4種消費者分類
  • 都市消費者層
  • 重要項目
  • Mintel China觀察

第3章 市場課題與重點

  • 中國個人投資者有多老練?
    • 市場數據
    • 對市場影響
  • 金融商品開發可學習餘額寶的經驗
  • 簡化交易手續提供良好體驗
  • 創造更有吸引力的投資商品吸引中國個人投資者

第4章 趨勢應用

  • 讓孩子當孩子
  • 回歸專家
  • 做最壞的打算

第5章 背景 - 目前宏觀經濟條件與受歡迎投資商品

  • 可用所得增加提高對個人投資商品的興趣
  • PBOC (中國人民銀行)通貨政策對投資市場有利
  • 2014年中期以來股票市場上揚
  • 中國市場一般投資商品

第6章 消費者動向 - 家庭財務管理方法

  • 誰管理家庭財務?
  • 消費者對投資商品有高報酬需求
  • 男性比女性更積極投資
  • 投資商品買主偏向富裕層
  • 教育等級高對投資的熱情也高

第7章 消費者動向 - 投資商品所有者

  • 投資商品的人氣
  • 人人都是投資專家
  • 隨著高齡化保險需求增加

第8章 消費者動向 - 不購買投資商品的理由

  • 知識不足是最大阻礙
  • 最擔心的是投資股票的高風險
  • 理財商品建議一開始從小額開始

第9章 消費者動向 - 選擇投資商品時的重要考慮因素

  • 以風險與報酬為主
  • 女性與年輕消費者適合定期投資計畫
  • 高所得者層有深入追求的趨勢

第10章 消費者動向 - 對資料來源可信度看法

  • 消費者幾乎都依賴他人意見
  • 與男性相比女性並非積極的投資者
  • 二級與三級都市消費者有依賴銀行的趨勢

第11章 消費者動向 - 對個人投資商品的想法

  • 幾乎所有消費者都反對把雞蛋放在一個籃子裡
  • 一般中國個人投資者目前皆相當保守

第12章 消費者動向 - 消費者分類

  • 各消費者層
  • 擁有知識的樂觀消費者(23%)
  • 對「努力工作」的自己信賴的消費者(25%)
  • 選擇保守儲蓄的消費者(25%)
  • 不關心的消費者(27%)

第13章 消費者動向 - Mintropolitan (都市消費者)

  • 為何是Mintropolitan?
  • 什麼是Mintropolitanシゾ?
  • Mintropolitan是積極幹練的投資者
  • Mintropolitan運用健全的投資策略
目錄

“Most individual investors in China are not sophisticated yet. This gives financial institutions a good opportunity to provide professional suggestions and help people make better investment decisions. Financial institutions should also lower the minimum investment amount required, simplify the transaction procedures and enrich the meaning of making investments to engage more consumers to buy investment products.” - Linda Li, Senior Research Analyst.

In this report, Mintel answers the following key questions:

  • What is the current development stage of the personal finance market in China? How sophisticated are the individual investors in China?
  • What are the preferences of Chinese consumers when choosing investment products?
  • What are the important consideration factors when Chinese consumers choose investments?
  • What are the main types of investors in China?

Financial investment products are becoming popular in China. Mintel research finds that investing in financial products is currently the most popular way for Chinese consumers to manage household finance. This is attributed to both the lower deposit rate in China and the rising disposable income of Chinese people.

As the central bank is likely to lower the interest rate again in the future to further stimulate the economics, Chinese consumers are likely to contribute more savings to buy financial investment products.

However, Chinese consumers in general are not skilful and savvy enough in choosing investment products. They are likely to focus on the return and risks, and rely on professionals or more knowledgeable people to give directions and recommendations.

They also tend to think they need more knowledge before buying financial investment products. Financial institutions should provide added value to the consumers by educating them, guiding their choices in financial products and simplifying the transaction process.

Table of Contents

1. Introduction

  • Definition
    • Figure 1: Definition of low/middle/high income groups, by city tier
  • Methodology
  • Abbreviations

2. Executive Summary

  • The consumer
  • Who are managing the household finances?
  • Consumers prefer investing to saving
    • Figure 2: Ways of managing household disposable income, April 2015
  • Consumers prefer investment products that require low minimum investment amount
    • Figure 3: Ownership of investment products, April 2015
  • Not having enough knowledge is the biggest barrier against investing
    • Figure 4: Reasons for not buying financial investment products, April 2015
  • Chinese consumers' consideration factors concentrate on risks and turns
    • Figure 5: Important consideration factors in choosing investment products, April 2015
  • Chinese investors rely on recommendations from others
    • Figure 6: Opinions on the credibility of information sources for choosing investment products, April 2015
  • In general, Chinese investors are still quite conservative
    • Figure 7: Attitudes towards personal investment products, April 2015
  • Four consumer segments identified by Mintel
  • Meet the Mintropolitans
  • Key issues
  • How sophisticated are investors in China?
  • Apply the learning from Yu'E Bao in financial product innovation
  • Simplify the transaction procedures to offer a better experience
  • Make the investments more interesting to engage Chinese investors
  • What we think

3. Issues and Insights

  • How sophisticated are investors in China?
  • The facts
  • The implications
  • Apply the learning from Yu'E Bao in financial product innovation
  • The facts
  • The implications
  • Simplify the transaction procedures to offer a better experience
  • The facts
  • The implications
  • Make the investments more interesting to engage Chinese investors
  • The facts
  • The implications

4. Trend Application

  • Let Kids be Kids
  • Return to the Experts
  • Prepare for the Worst

5. Background - Current Macroeconomic Conditions and Popular Investment Products

  • Key points
  • Rising disposable income drives enthusiasm in personal investment products
  • PBOC's monetary policies favour the investment market
    • Figure 8: Benchmark lending and deposit rate in China, October 2010-May 2015
  • The bullish stock market since mid-2014
  • Common financial investment products in China market
    • Figure 9: Comparison of common financial investment products in China

6. The Consumer - Ways of Managing Household Finance

  • Key points
  • Who are active in managing household finances?
    • Figure 10: Responsibility of managing household disposable income, by age, April 2015
    • Figure 11: Responsibility of household disposable income, by demographics, April 2015
  • Consumers seek higher return from financial investment products
    • Figure 12: Ways of managing household disposable income, April 2015
  • Men are more active investors than women
    • Figure 13: Ways of managing household disposable income, by gender, April 2015
  • Investment ownership strongly skews to the well off
    • Figure 14: Ways of managing household disposable income, by monthly personal income, April 2015
  • Education level drives investment enthusiasm
    • Figure 15: Ways of managing household disposable income, by education level, April 2015

7. The Consumer - Ownership of Investment Products

  • Key points
  • Popularity of financial investment products
    • Figure 16: Ownership of investment products, April 2015
    • Figure 17: Ownership of investment products, “I have never bought this”, April 2015
  • Treat men as expert investors
    • Figure 18: Ownership of investment products, “Have bought this product”, by gender, April 2015
    • Figure 19: Ownership of investment products, “I own it currently”, by gender, April 2015
  • The demand for insurance goes up as people get older
    • Figure 20: Ownership of insurance products, “I own it currently”, by age and income, April 2015

8. The Consumer - Reasons for Not Buying Financial Investment Products

  • Key points
  • Lack of knowledge is the biggest barrier
    • Figure 21: Reasons for not buying financial investment products, April 2015
  • People are most worried about the high risk of investing in stocks
  • Help people to start small by innovating wealth management products

9. The Consumer - Important Consideration Factors When Choosing Financial Investment Products

  • Key points
  • Risk and return are core concerns
    • Figure 22: Important consideration factors in choosing investment products, April 2015
  • Women and younger consumers are more suitable for regular investment plans
    • Figure 23: Important consideration factors in choosing investment products, by gender and age, April 2015
  • High earners are more likely to look beyond the surface
    • Figure 24: Important consideration factors in choosing investment products, by monthly household income, April 2015

10. The Consumer - Opinions on the Credibility of Information Sources

  • Key points
  • Consumers mostly rely on recommendations from others
    • Figure 25: Opinions on the credibility of information sources for choosing investment products, April 2015
  • Compared to men, women are less active investors
    • Figure 26: Opinions on the credibility of information sources for choosing investment products, by gender, April 2015
  • Consumers from tier two/three cities rely much more on bank staff/wealth managers
    • Figure 27: Opinions on the credibility of information sources for choosing investment products, by city and tier, April 2015

11. The Consumer - Attitudes towards Personal Investment Products

  • Key points
  • Most consumers agree it's better not putting all your eggs in one basket
    • Figure 28: Selected attitudes towards personal investment products, April 2015
  • In general, Chinese investors are still quite conservative
    • Figure 29: Selected attitudes towards personal investment products, April 2015
    • Figure 30: Agreement with selected attitudes towards personal investment products, by age and monthly household income, April 2015

12. The Consumer - Segmentation

  • Key points
  • Mapping out the different consumer clusters
    • Figure 31: Target groups, April 2015
  • Knowledgeable optimists (23%)
  • “Hard-working” self-believers (25%)
  • Conservative savers (25%)
  • The unconcerned (27%)

13. The Consumer - Meet the Mintropolitans

  • Why Mintropolitans?
  • Who are they?
    • Figure 32: Demographic profile of Mintropolitans versus Non-Mintropolitans, by gender, age and personal income
    • Figure 33: Demographic profile of Mintropolitans versus Non-Mintropolitans, by marital status, city tier and education level
  • Mintropolitans are active and sophisticated investors
    • Figure 34: Ways of managing household disposable income, by consumer classification, April 2015
    • Figure 35: Important consideration factors in choosing investment products, by consumer classification, April 2015
    • Figure 36: Opinions on the credibility of information sources for choosing investment products, by consumer classification, April 2015
  • Mintropolitans adopt a sound investment strategy
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