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市場調查報告書
全球經濟危機：金融服務對消費者動向的影響：BRIC各國
The Global Economic Crisis: The Impact on BRIC Consumer Attitudes Towards Financial Services
| 出版商 |
Datamonitor |
| 出版日期 |
2010年02月 |
商品編碼 |
114501 |
| 內容資訊 |
英文 51 pages |
| 價格 |
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全球經濟危機：金融服務對消費者動向的影響：BRIC各國 是由出版商Datamonitor在2010年02月所出版的。
這份英文市場調查報告書包含51 pages 價格從美金4495起跳。
本報告書內容包括:BRIC各國消費者所承受「不景氣感」的調查分析、消費者對未來的展望・財務安全等的影響、全球的市場的比較、投資・儲蓄產品的影響、金融服務供應商的行動點等、內容綱要摘記如下:
概要
未來的展望
- 介紹：實際消費對不景氣感的意識會帶來何種影響的理解是很重要的
- 經濟危機的影響跟他國相較下無很大的變化、但實際上還是有受到影響
- BRIC各國的消費者比全球的消費者的憂患意識較高
- 主要重點：BRIC消費者對相關財務整體的關心度比全球的消費者高
- 行動點：FS供應商消解BRIC消費者的憂鬱商品・忠告
- 憂患意識的增加相對表示BRIC圏内行動增加的意思、但會阻礙消費者的不安
- BRIC消費者和全球相較之下積極於金融交易
- BRIC消費者有賴於財務顧問的傾向
- 財務安全：BRIC消費者來說是最重要的課題
- 行動點：FS供應商為取得品質更高的BRIC消費者、應提議適合的價值案
- BRIC消費者對主要銀行及銀行業界整體、回復信頼等級有提昇的傾向
- 特定地區的BRIC消費者的低商品使用率代表未來的潛在性
- 行動點：FS供應商對BRIC消費者在提供更優質的商品儲蓄,需要有更人性化的指南
附錄
圖表
Abstract
Introduction
The global economic downturn has impacted BRIC consumers differently than
elsewhere, and must be acknowledged to effectively meet consumers' financial
needs.
Scope of this research
- Detailed analysis documenting BRIC consumers' ' recessionary mindset' and
how this influences perceptions about current and future prospects
- Insights highlight how the economic downturn has affected emotional
wellbeing and financial security in the BRIC bloc compared to the global
average
- Detailed discussion of what the downturn means for saving and investment
products and what must be done to once again engage consumers
Research and analysis highlights
Stress and happiness indictors are important to note, as they reveal the state
of mind and likely future intentions of BRIC consumers. Faced with the
uncertainty of the economic and financial landscape, there exists an
opportunity for financial service providers to supply products that provide
peace of mind.
BRIC consumers have learnt the lessons of the economic crisis and are looking
to build a savings buffer to help mitigate further problems and reduce their
stress levels. This buffer is the driver of short-term savings behavior, but
there are also incentives for BRIC consumers to consider saving further into
the future.
BRIC countries have not suffered the same levels of banking collapse as seen
elsewhere and as such, there has been less extensive negative media coverage.
In contrast, BRIC consumers are more likely to have had their trust damaged by
a personal incident than global consumers.
Key reasons to purchase this research
- Gain a detailed understanding of changing consumer attitudes amid the
global downturn in order to build appropriate recessionary strategies
- Assist consumer segmentation and targeting efforts by accessing data from
Datamonitor' s Global FS Consumer Insight survey
Table of Contents
OVERVIEW
THE FUTURE DECODED
- INTRODUCTION: Understanding how recessionary mindsets influence attitudes
towards and actual consumption is vital
- Despite being more sheltered from the economic crisis than the rest of the
world, the BRIC economies have still been hit hard
- The BRIC countries were all affected by global economic crisis, although
they now look to be back on track
- Consumer attitudes reflect a less damaging BRIC experience
- The decline in economic conditions is not as badly reflected in the
state of household finances Given the better overall performance of the BRIC
economies, it is not surprising that there are fewer consumers that feel
that the economic conditions in their country have declined. Just under half
(47%) of BRIC consumers felt that the economic conditions in their country
had declined of the previous 12 months, compared to a much larger 73% of
consumers globally. The most popular response within the BRIC bloc was that
economic conditions had ‘worsened somewhat’, which suggests that
BRIC consumers have noted the downturn, but have not faced the same scale of
economic negativity that has plagued other economies.
- BRIC consumers' stress levels have worsened alongside the global
average, perhaps driven by different factors than the global community
Stress and happiness indictors are important to note, as they reveal the
state of mind and likely future intentions of BRIC consumers. Faced with the
uncertainty of the economic and financial landscape, there exists an
opportunity for financial service providers to supply products that provide
peace of mind.
- BRIC consumers are much more positive than global consumers across all
predictions BRIC consumers are much more optimistic about all aspects of
their financial and personal happiness. Positive growth predictions buoy
consumers' expectations of the future and result in greater optimism across
the board. Consumers were asked what their expectations were over the next
12 months when it came to a number of facets of their financials. BRIC
consumers responded weakly but positively to all questions, and were on
average 0.4 times more positive than global consumers. The largest
difference is between the expectations of the economic conditions of their
country. This is unsurprising when looking at the powerful growth
predictions for the BRIC countries compared to some other Western countries
still in the throes of a recession.
- BRIC consumers show higher levels of concern than global consumers
- BRIC consumers are particularly concerned about the value of their
savings before the economic downturn
- KEY TAKEOUT: BRIC consumers are more concerned with every aspect of their
finances than global consumers
- Since the downturn, long-term concerns have increased while short-term
concerns remain unchanged or diminished
- ACTION POINT: FS providers must address the anxiety of BRIC consumers with
products and advice geared to alleviate this concern
- Increased concerns have translated into action within the BRIC bloc,
though these remain dampened by consumer uncertainty
- BRIC consumers intend to increase their saving activity and look for
long-term investment opportunities
- BRIC consumers are more likely to reduce their debt over the next six
months compared to the global average
- BRIC consumers are more proactive in their financial dealings than their
global peers
- BRIC consumers are showing greater eagerness to explore new options for
their finances
- BRIC consumers are more likely to seek out financial advice
- BRIC consumers have a slightly more positive outlook on financial advice
than their global peersBRIC consumers are likely to go to their primary bank
as their first port of call when it comes to financial advice. This is a
slightly more positive response than that of global consumers. BRIC
consumers also appear to be more accepting of upfront payment for financial
advice. On average, BRIC consumers were less opposed to paying upfront than
global consumers.
- Financial security tops price for BRIC consumers
- BRIC consumers are concerned with the ethical/green credentials that
accompany their financial products
- ACTION POINT: FS providers must construct a well-rounded value proposition
to entice the more selective BRIC consumer
- Brazilian consumers are equally focused on the stability and the
return/price of the product offering
- Compared to the rest of the BRIC bloc, Russian consumers are much less
interested in the green/ethical credentials offered by their financial
products
- Indian consumers are especially interested in ethical and green
credentials
- Chinese consumers are influenced by a number of factors when making
product decisions
- BRIC consumers appear to have a higher and more resilient level of trust
in their primary bank, and in the banking industry as a whole
- BRIC consumers have been more influenced by a personal incident than
global consumers
- BRIC consumers are much more at ease with the actions of their bank than
global consumers
- BRIC consumers' lower product holdings in certain areas reveal potential
for the future
- BRIC consumers have high holdings of basic savings accounts and credit
cards, but fail to embrace more sophisticated products
- ACTION POINT: FS providers need to guide BRIC consumers' enthusiasm for
saving into more sophisticated products that still provide peace of mind
- Current accounts and certain insurance products are not as common among
BRIC consumers
APPENDIX
- Methodology
- Ask the analyst
- Datamonitor consulting
- Disclaimer
FIGURES
- Figure: Datamonitor' s Recession and Recovery portal will allow industry
players to continually identify emerging opportunities and track what is
happening in economies around the world
- Figure: All four BRIC countries saw their growth dampened by the global
economic crisis
- Figure: BRIC economies have been more resilient to the global economic
downturn
- Figure: Russia is closer to the global average than the other BRIC
countries
- Figure: BRIC consumers stand apart from the rest of the FSCI sample
- Figure: BRIC consumers have witnessed some improvements despite the global
malaise
- Figure: Russian consumers have felt the bite of the recession
- Figure: Most BRIC consumers' finances have remained unchanged or seen some
improvement
- Figure: Chinese consumers' finances have largely remained the same
- Figure: Job security has mostly remained constant,, with some smaller
consumer segments seeing improvements
- Figure: Russian consumers have seen their job security damaged as a result
of the recession
- Figure: Unemployment in the BRIC bloc rose in 2009 but looks set to
decline thereafter, with Russia catching up in 2010
- Figure: BRIC consumers are reporting an increase in the levels of stress
in their lives
- Figure: Russian consumers have seen the greatest increases in stress
- Figure: BRIC consumers are more positive in their expectations than global
consumers
- Figure: Brazilian optimism contrasts the Russian outlook
- Figure: BRIC concerns for saving are clear and offer opportunities for
alert FS providers
- Figure: Chinese consumers are more concerned about savings issues
- Figure: BRIC consumers revealed elevated concerns before the downturn
compared to global consumers
- Figure: Chinese consumers were, in general, the most concerned consumer
group
- Figure: BRIC concerns have increased as a result of the downturn and
remain higher than global consumers
- Figure: Russian concerns have increased since the recession
- Figure: Some FS providers have already made marketing promotions focused
around rebuilding confidence
- Figure: Paying more into savings and investing for the long term received
positive responses
- Figure: Brazilian consumers are intending to increase saving and reduce
debt
- Figure: Russian consumers will remain relatively inactive over the next 6
months
- Figure: Indian consumers are very interested in saving and investing for
the longer term
- Figure: Chinese consumers will save more over the next 6 months
- Figure: BRIC consumers are eager to take the initiative when queried on
specific opportunities
- Figure: BRIC consumers are mildly positive concerning financial advice
compared to the negative global consumer
- Figure: Brazilian consumers seem resistant to professional financial advice
- Figure: Primary banks take the lead in advice in BRIC countries
- Figure: Brazilian consumers look to their primary banks for their
financial advice needs
- Figure: Russian consumers reject upfront payments for financial advice
- Figure: Indian consumers accept the concept of paying upfront for
financial advice
- Figure: Chinese consumers utilize online resources, pointing towards a
strong future for a price comparison market
- Figure: Financial stability is essential to the financial decision-making
process of BRIC consumers
- Figure: Brazilian consumers pay equal attention to price/return and
financial stability
- Figure: Ethical credentials fall by the wayside as stability and cost
dominate
- Figure: Ethical credentials are of great importance to the Indian consumer
- Figure: Chinese consumers take a number of factors into account when
making FS decisions
- Figure: BRIC consumers' trust levels remain resilient to the global
concerns
- Figure: Brazilians see trust as particularly important for financial
decision making
- Figure: Publicity is influential, but personal events also affect BRIC
consumers
- Figure: Chinese consumers' trust levels were effected by a personal
incident
- Figure: BRIC consumers are much more reassured with the performance of
their banks
- Figure: Chinese consumers have been more effectively reassured by their
bank
- Figure: Instant savings products satisfy BRIC consumers' appetite for
savings, but they should be encouraged to move on to more sophisticated
savings products
- Figure: Russian consumers have quite low product holdings in general
- Figure: BRIC consumers have higher holdings of pension products,
reflecting their higher anxieties for the future
- Figure: Chinese consumers have very high holdings of pension products
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