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市場調查報告書
個人貸款的創新：2009年
Personal Lending Innovations from Abroad 2009
| 出版商 |
Datamonitor |
| 出版日期 |
2009年07月 |
商品編碼 |
94594 |
| 內容資訊 |
英文 18 pages |
| 價格 |
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個人貸款的創新：2009年 是由出版商Datamonitor在2009年07月所出版的。
這份英文市場調查報告書包含18 pages 價格從美金2795起跳。
Abstract
Introduction
Since the start of the credit crunch, innovation in the UK unsecured personal
loan market has been minimal compared to other countries. This brief looks at
unsecured personal loan innovations from abroad and assesses their potential
in the UK market.
Scope of this research
- Examples of unsecured personal loan innovations from around the world.
- Expert opinion on the suitability of different personal lending
innovations for the UK market.
- A look at how loan providers are adapting products to fit with changing
global concerns.
Research and analysis highlights
Banks in Asia offer loans that can be secured against non-property assets,
such as equities and gold. These loans can act as a halfway house between
unsecured loans and loans secured against property, offering benefits to both
lenders and borrowers.
In the current climate, there is an increased risk of defaults on loans. EON
Bank of Malaysia offers a loan that incentivizes prompt repayment by giving a
discount of 1% of the sum advanced and penalizes late payments by adding a 1%
levy.
Twitter offers banks the chance to re-engage with their customers. Bank of
America has set up a Twitter feed that acts as a helpdesk, where customers can
register their enquiries, and receive a response from the bank. This
initiative has been well received, and can serve as a template for UK banks
seeking to rebuild their reputations.
Key reasons to purchase this research
- Gain insight into how innovations in the unsecured loan market abroad
might translate to the UK.
- Develop an understanding of the use of new technologies to promote loan
uptake.
- Keep up-to-date with the latest product developments in unsecured personal
lending.
Table of Contents
DATAMONITOR VIEW
ANALYSIS
- The UK personal loans market has been severely affected over the last 12
months
- Difficult conditions persist in the consumer credit market
- Restrictions are being introduced on the sale of Payment Protection
Insurance
- The majority of loans are now used for debt consolidation
- Banks must respond to these conditions through innovation and
differentiation
- Product design: some overseas banks offer loans secured against
non-property assets
- Banks in Asia offer debt secured against gold, equities and other assets
- The Retail Banking team view
- Customer segmentation: providers are increasingly targeting specific
segments such as students, lower income consumers and those seeking ' green'
loans
- National Australia Bank offers lower income consumers access to low cost
micro-loans
- The Retail Banking team view
- Danske Bank of Denmark offers low cost education loans to students with
children
- The Retail Banking team view
- Several banks offer low-cost unsecured loans for environmental purposes
- The Retail Banking team view
- Incentives: rewards can be used to encourage good behavior
- In Malaysia, EON Bank offers cashback to reward prompt repayments
- The Retail Banking team view
- Distribution: foreign banks make greater use of alternative channels for
loan applications
- Loan application via ATMs is commonplace in many other countries
- The Retail Banking team view
- New technology: Twitter emerges as the next big communications medium for
financial services companies
- Banks in the US and Australia experiment with ways to exploit the new
medium
- The Retail Banking team view
- Consumers overseas can request up-to-date loan information via mobile
banking
- The Retail Banking team view
- The Datamonitor view of the future of the UK unsecured loans market
- Restrictions on the sale of PPI will lead to costlier loans
- Loans will become more flexible in response to changing circumstances
- Greater emphasis will be placed on online distribution
APPENDIX
- Definitions
- Bank of England base rate
- Balances outstanding
- CAGR
- Consumer credit
- Gross advances
- Payment Protection Insurance (PPI)
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
FIGURES
- Figure: There was a severe fall in unsecured lending in 2008, continuing
into 2009
- Figure: ICICI Bank in India offers a ' Loan Against Securities'
- Figure: Garanti Bank can grant loans through its ATMs
- Figure: Bank of America is using Twitter to deal with customer enquiries
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