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市場調查報告書

巴西的消費者汽車金融服務

Consumer Automotive Financial Services in Brazil

出版商 Finaccord Ltd. 商品編碼 238914
出版日期 內容資訊 英文 60 pages
商品交期: 最快1-2個工作天內
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巴西的消費者汽車金融服務 Consumer Automotive Financial Services in Brazil
出版日期: 2014年12月01日 內容資訊: 英文 60 pages
簡介

巴西的消費者汽車金融服務市場2014年估計為113億BRL(巴西幣)。

本報告提供連結巴西的新車及中古小客車銷售的消費者取向汽車用金融服務市場調查,融資及租賃服務市場分析,債權人保險,汽車保險,道路救援保險,再加上延長保固和差額保險市場相關詳細分析,中國的消費者取向汽車用金融服務的現在及未來的商務機會的明確指南。

摘要整理

第1章 簡介

  • 本報告概要
  • 分析的根據
  • 調查手法
  • 定義
  • PartnerBASE及市場資料附表
  • 關於Finaccord

第2章 市場分析

  • 簡介
  • 小客車銷售資料
    • 二手車銷售的增加對沖新車銷售的減少
  • 消費者取向汽車融資、租賃市場
    • 市場規模、成長
  • 消費者取向汽車保險、保證,及道路服務市場
    • 市場規模
  • 汽車經銷商、廠商品牌調查結果:概要
    • 簡介
    • 消費者汽車金融服務的提供
    • 經銷商方案數和性質
    • 經銷商銷售的汽車保險的種類
    • 經銷商銷售的道路服務的提供業者
    • 在經由經銷商的汽車融資服務的使用概況
  • 汽車經銷商、製造公司品牌調查結果:夥伴關係
    • 簡介
    • 融資及租賃
    • 汽車保險
    • 延長保固
    • 道路服務
    • 預付服務契約

圖表

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目錄

Consumer Automotive Financial Services in Brazil investigates the market for automotive financial services linked to sales of new and used passenger cars to individual buyers in Brazil. In addition to analysing the market for finance and leasing services, the study also covers motor insurance, road assistance, extended warranties, creditor insurance, GAP insurance and prepaid service contracts.

Using survey results for average take-up rates for finance and leasing propositions at the point of sale, data for the size and growth of the automotive finance and leasing market for consumers in Brazil is provided in terms of gross advances and assets leased for 2010 to 2014 with splits between finance for new and used cars and between finance organised through dealerships at the point of sale and directly with banks or other lending institutions.

Moreover, also by means of data for average take-up rates, the markets for motor insurance, road assistance, extended warranties, creditor insurance, GAP insurance and prepaid service contracts are sized in terms of gross written premiums and other revenues sold through the automotive trade (i.e. via dealers and manufacturers) in 2014. These markets, estimated to be worth over BRL 11.3 billion in total in 2014, are broken down between new and used cars, and between new contracts sold during 2014 and in-force business sold in previous years but still being renewed in 2014.

The report draws on a survey of 90 leading car dealerships as well as an analysis of the approach to consumer automotive financial services of 41 car manufacturer brands in Brazil. The PartnerBASE™ dataset that accompanies the report details each of the marketing initiatives for consumer automotive financial services traced by Finaccord for both dealers and manufacturers; a market data annexe is also available in a convenient spreadsheet format so that there is no need to re-enter key data points from the report.

In addition to captive finance companies owned by manufacturer brands, organisations covered by the report include Assurant Seguradora, Banco Bradesco Financiamentos, Banco Itaú, Europ Assistance, Indiana Seguros, JM&A Brasil, MAPFRE Seguros, Porto Seguro, Santander Financiamentos and Tempo Assist. Together, the report and database will provide you with the definitive guide to current and future opportunities in consumer automotive financial services in Brazil.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • The focus of the report is on financial services related to the sale of passenger cars to individuals
  • Rationale
  • The provision of financial services is essential to support both car sales and profitability
  • This report offers a detailed updated analysis of the subject in Brazil based on primary research
  • Methodology
  • Survey of dealers and manufacturers
  • Market data
  • Computation of market data is based on a complex set of assumptions and variables...
  • ... in order to provide market segmentations in unrivalled detail
  • External sources
  • Definitions
  • Finance and leasing products
  • Insurance, warranty and assistance products
  • Operating models
  • Tied and non-tied providers
  • Abbreviations
  • Currencies, exchange rates and inflation
  • PartnerBASE and market data annexe
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Passenger vehicle data
  • Increasing sales of used cars have helped offset the fall in new car sales
  • Fiat Chrysler leads the light vehicle market in Brazil, ahead of VW and GM
  • Consumer automotive finance and leasing market
  • Market size and growth
  • Finance take-up rates at the point of sale for new cars have increased slightly in recent years...
  • ... causing the total market value to rise at a compound annual rate of 3.1% between 2010 and 2014
  • Types of finance and leasing product 18 Simple loans are by far the most common form of point-of-sale finance...
  • ... although consortium loans are also quite significant
  • Consumer automotive insurance, warranty and assistance markets
  • Market sizes
  • In total, the automotive trade is likely to have sold policies worth more than BRL 11 billion in 2014
  • Survey of automotive dealers and manufacturer brands - overview
  • Introduction
  • Provision of consumer automotive financial services
  • Brazilian dealerships overwhelmingly offer core insurance and financial products...
  • ... although they have not taken up some of the products offered by manufacturers
  • Number and nature of dealer schemes
  • On average, car dealers in Brazil use more than six providers for finance and leasing...
  • ... representing a significant increase in the number of non-tied partners since 2011
  • Types of creditor insurance policy sold by dealers
  • Creditor insurance sold with cars always covers one or both of temporary incapacity and unemployment
  • Types of motor insurance policy sold by dealers
  • Almost all dealers sell all types of motor insurance
  • Sources of road assistance distributed by dealers
  • Road assistance is always packaged with motor insurance and can also be acquired with other products
  • Consumer uptake of automotive financial services through dealers
  • Take-up rates for point-of-sale finance in Brazil have risen slightly among buyers of new cars...
  • ... as have take-up rates for motor insurance proposed by dealers...
  • ... and extended warranties for used cars (but not for new ones)
  • Survey of automotive dealers and manufacturer brands - partnerships
  • Introduction
  • Finance and leasing
  • Five non-tied competitors account for three quarters of dealer partnerships...
  • ... with around 20 more active in the market as a whole
  • More than half of manufacturer brands work with external partners for finance and leasing
  • Two of the top three providers are not captives...
  • ... and external partnerships are common for financing through simple loans or consortiums
  • Banco Bradesco Financiamentos emerges as the probable overall market leader...
  • ... followed by Santander Financiamentos, Banco Itaú and BV Financeira
  • Creditor insurance
  • Point-of-sale creditor insurance in Brazil is almost always sourced from finance providers
  • Cardif do Brasil Vida e Previdência is the dominant provider among manufacturer brands
  • Motor insurance
  • Very few dealers limit themselves to insurance schemes tied to manufacturers...
  • ...and Brazil's major underwriters claim the largest share of partnerships in a very diverse market...
  • ... led by Porto Seguro, Azul Seguros and SulAmérica Seguros
  • Over half of manufacturer brands' motor insurance partnerships are with external underwriters...
  • ... with two of these providers holding over half of the weighted share of partnerships
  • MAPFRE, Indiana Seguros and Porto Seguro are likely point-of-sale motor insurance market leaders
  • Extended warranties
  • There is plenty of scope to increase extended warranty provision via dealers...
  • ... and several companies are attempting to do so including JM&A Brazil and The Warranty Group
  • Assurant and Indiana Seguros are the leading providers through manufacturers
  • A combined analysis suggests that two point-of-sale extended warranty providers control half the market
  • Road assistance
  • Non-tied assistance providers are used to support the sale of used cars...
  • ...and four main competitors vie for manufacturer brand mandates for road assistance...
  • ... including local company Tempo Assist
  • GAP insurance
  • A form of GAP is integral to Brazilian motor insurance, but separate GAP policies have also emerged...
  • ... with two insurers offering these
  • Prepaid service contracts
  • Few Brazilian dealers yet offer prepaid service contracts...
  • ... and just one manufacturer brand

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for consumer automotive financial services in Brazil, 2014

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

  • Passenger car parc and new / used passenger car sales in Brazil, 2010 to 2014
  • Passenger car parc and new / used passenger car sales in Brazil, 2010 to 2014 (table)
  • New light vehicle registrations in Brazil, segmented by manufacturer group, 2014
  • New and used passenger car finance market in Brazil, segmented by distribution channel: volumes, 2010 to 2014
  • New and used passenger car finance market in Brazil, segmented by distribution channel: values, 2010 to 2014
  • New and used passenger car finance market in Brazil, segmented by distribution channel: values and volumes, 2010 to 2014 (table)
  • % split between the different types of finance and leasing contract organised at the point of sale in Brazil, 2014
  • Total revenues from consumer automotive insurance, warranty, assistance and service contract markets in Brazil, 2014
  • Total revenues from consumer automotive insurance, warranty, assistance and service contract markets in Brazil, 2014 (table)
  • Comparison of the provision of each type of automotive financial service by dealers and manufacturer brands in Brazil, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in Brazil, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in Brazil, 2014 (data)
  • % split between the different types of creditor insurance policy sold at the point of sale in Brazil, 2014
  • % split between the different types of motor insurance policy sold at the point of sale in Brazil, 2014
  • % availability of road assistance through factory warranties, annual services, extended warranties, motor insurance, prepaid service contracts and as a stand-alone product in Brazil, 2014
  • % of new and used car purchasers acquiring each type of automotive financial service at the point of sale in Brazil, 2014
  • Provision of finance and leasing by dealers in Brazil, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of finance and leasing by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for finance and leasing at the point of sale in Brazil, 2014
  • Provision of creditor insurance by dealers in Brazil, 2014: provision rate and product sources
  • Provision of creditor insurance by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of motor insurance by dealers in Brazil, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of motor insurance by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for manufacturer-branded and dealer-intermediated motor insurance in Brazil, 2014
  • Provision of extended warranties by dealers in Brazil, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of extended warranties by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for extended warranties in Brazil, 2014
  • Provision of road assistance by dealers in Brazil, 2014: provision rate and product sources
  • Provision of road assistance by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of GAP insurance by manufacturer brands in Brazil, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of prepaid service contracts by dealers in Brazil, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of prepaid service contracts by manufacturer brands in Brazil, 2014: provision rate and operating models
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