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市場調查報告書

中國的消費者取向汽車用金融服務市場

Consumer Automotive Financial Services in China

出版商 Finaccord Ltd. 商品編碼 238919
出版日期 內容資訊 英文 53 Pages
商品交期: 最快1-2個工作天內
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中國的消費者取向汽車用金融服務市場 Consumer Automotive Financial Services in China
出版日期: 2014年03月01日 內容資訊: 英文 53 Pages
簡介

本報告提供結合中國的新車與中古車販售的消費者汽車用金融服務市場調查,加上融資及租賃服務市場分析,以及債權人保險,汽車保險,道路救援保險,再加上延長保固和差額保險(貶值保險)市場相關的詳細分析,彙整中國消費者用汽車金融服務的目前及未來商機的明確指南,為您概述為以下內容。

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

  • 序論
  • 小客車銷售資料
    • 二手車銷售台數比新車還要急速增加(2009∼2013年)
    • 與外資的合資企業·品牌主導目前的市場
  • 消費者取向汽車融資及租賃市場
    • 市場規模及市場成長
      • 以契約數量為準的話,新車·二手車透過經銷商比直銷多3.5倍
    • 融資及租賃商品的種類
      • 透過經銷商的商品中,1種就佔有3/4以上的市場佔有率
  • 消費者取向汽車保險,保證,及道路服務市場
    • 市場規模
      • 商品銷售總額達到1600億人民幣(2013年)
  • 汽車經銷商·廠商品牌調查結果:概要
    • 序論
    • 消費者取向汽車融資服務的提供
      • 融資服務7種中有5種透過經銷商提供
      • 廠商品牌有引進預付·服務契約的動向
    • 經銷商方案數和性質
      • 各家經銷商跟2家以上的融資租賃企業或保險企業合作
    • 經銷商銷售的汽車保險種類
      • 經銷商銷售各種保險商品
    • 經銷商銷售的道路服務提供業者
      • 中國普遍在購買新車時自動提供道路服務
    • 透過經銷商的汽車融資服務使用概況
      • 透過經銷商購買的情況,汽車保險的加入率(新車·二手車)高
      • 今後預測透過經銷商的融資產品及延長保固的使用率也將大幅度上升
  • 汽車經銷商·製造公司品牌的調查結果:夥伴關係
    • 序論
    • 融資及租賃
      • 2/3的經銷商活用夥伴關係
      • 大半製造企業品牌有簽下融資·租賃服務相關契約
      • China Construction Bank是最大的公司合作對象
      • JAC和Santander的合資企業:以成為最大獨立型供應商為目標
      • BNP Paribas Personal Finance與Geely締結(2013年第四季)
      • 中國的融資·租賃市場,受到主要大銀行支配
    • 汽車保險
      • Allianz:(此次分析對象中)唯一的外資保險公司
      • 在與廠商品牌的合作領域上,Anbang Insurance佔有最大的市場佔有率
    • 延長保固
      • MAPFRE Warranty和China Grand Auto的經銷商集團合作
      • 延長保固方面,MAPFRE Warranty也有與Changan Mazda合作
      • CarGarantie:正在尋求與中國國內的經銷商·廠商締結合作機會
      • 1/3以上的延長保固契約是由經銷商自己經營
    • 道路服務
      • 非聯合型道路服務,由經銷商自己提供
      • Allianz Global Assistance:與龍頭製造商品牌合作
    • 預付服務契約
      • 1/3以上的經銷商可利用

附圖/附表

本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

目錄
Product Code: report_cafs_cn

Consumer Automotive Financial Services in China investigates the market for automotive financial services linked to sales of new and used passenger cars in China. In addition to analysing the market for finance and leasing services, the study also covers creditor insurance, motor insurance and road assistance, and demonstrates the extent to which a market exists for extended warranties and GAP insurance.

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 China is provided in terms of gross advances and assets leased for 2007 to 2011 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 creditor insurance, motor insurance, road assistance, extended warranties and GAP insurance are sized in terms of gross written premiums and other revenues sold through the automotive trade (i.e. via dealers and manufacturers) in 2011. These are broken down between new and used cars and between new contracts sold during 2011 and in-force business sold in previous years but still being renewed in 2011.

The report draws on a survey of 100 leading car dealerships as well as an analysis of the approach to consumer automotive financial services of over 60 automotive brands in China. The PartnerBASE™ database that accompanies the report details each of the marketing initiatives for consumer automotive financial services traced by Finaccord for both dealers and manufacturers. Together, the report and database will provide you with the definitive guide to current and future opportunities in consumer automotive financial services in China.

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 China 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
    • Exchange rate
  • PartnerBASE and market data annexe
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Passenger vehicle data
    • Sales of used cars have grown faster than new car sales between 2009 and 2013
    • Joint venture brands and groups are the leading players in the automotive market
  • Consumer automotive finance and leasing market
    • Market size and growth
      • By volume, point-of-sale finance exceeds direct lending for both new and used cars
      • ...with the result that the total value of point-of-sale finance is 3.5 times higher than direct lending
    • Types of finance and leasing product
      • One type of product makes up more than three quarters of point-of-sale finance contracts
  • Consumer automotive insurance, warranty and assistance markets
    • Market sizes
      • In total, the automotive trade is likely to have sold contracts worth over CNY 160 billion in 2013
  • Survey of automotive dealers and manufacturer brands - overview
    • Introduction
    • Provision of consumer automotive financial services
      • Automotive dealers distribute five of the seven automotive financial services investigated
      • Manufacturer brands could introduce prepaid service contracts
    • Number and nature of dealer schemes
      • Dealers mainly work with two or more providers for both finance and leasing and motor insurance
    • Types of motor insurance policy sold by dealers
      • Various types of products can be purchased from the dealers reported selling motor insurance...
    • Sources of road assistance distributed by dealers
      • Generally, road assistance was provided automatically to buyers of new cars in China
    • Consumer uptake of automotive financial services through dealers
      • Take-up rates are high for motor insurance at the point of sale among both new and used car buyers...
      • ... and have grown substantially for both point-of-sale finance and extended warranties
  • Survey of automotive dealers and manufacturer brands - partnerships
    • Introduction
    • Finance and leasing
      • Two-thirds of dealers utilise tied partners either as well as or instead of non-tied providers...
      • ...most manufacturer brands have an arrangement for the provision of finance and leasing services...
      • ...and China Construction Bank is the leading non-captive finance partner for these brands
      • The jointly-owned provider of JAC and Santander is aiming to become a leading independent provider
      • BNP Paribas Personal Finance secured an agreement with Geely in the final quarter of 2013
      • The Chinese market for finance and leasing is mainly controlled by the major banks
    • Motor insurance
      • Allianz was the only foreign insurance company mentioned by dealers...
      • ...while Anbang Insurance has the largest weighted share of partnerships among manufacturer brands
    • Extended warranties
      • MAPFRE Warranty has a partnership with the China Grand Auto dealership group...
      • ...and with Changan Mazda for extended warranties
      • CarGarantie is looking to establish partnerships with dealers and manufacturers in China
      • More than one-third of extended warranty products are run by dealers themselves
    • Road assistance
      • Non-tied road assistance services are provided by dealers themselves...
      • ...while Allianz Global Assistance has established several important partnerships with manufacturer brands
    • Prepaid service contracts
      • Prepaid service contracts are available from one-third of the dealers surveyed

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Key market data for consumer automotive financial services in China, 2013

1.0 INTRODUCTION

  • 2.0 MARKET ANALYSIS
  • Passenger car parc and new / used passenger car sales in China, 2009 to 2013
  • Passenger car parc and new / used passenger car sales in China, 2009 to 2013 (table)
  • New car registrations in China, segmented by manufacturer group, 2013
  • New and used passenger car finance market in China, segmented by distribution channel: volumes, 2009 to 2013
  • New and used passenger car finance market in China, segmented by distribution channel: values, 2009 to 2013
  • New and used passenger car finance market in China, segmented by distribution channel: values and volumes, 2009 to 2013 (table)
  • % split between the different types of finance and leasing contract organised at the point of sale in China, 2013
  • Total revenues from consumer automotive insurance, warranty, assistance and service contract markets in China, 2013
  • Total revenues from consumer automotive insurance, warranty assistance and service contracts in China, 2013 (table)
  • Comparison of the provision of each type of automotive financial service by dealers and manufacturer brands in China, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in China, 2014
  • Average number of tied and non-tied schemes organised by dealers for each type of automotive financial service in China, 2014 (table)
  • % split between the different types of motor insurance policy sold at the point of sale in China, 2014
  • % availability of road assistance through factory warranties, annual services, extended warranties, motor insurance, prepaid service contracts and as a stand-alone product in China, 2014
  • % of new and used car purchasers acquiring each type of automotive financial service at the point of sale in China, 2014
  • Provision of finance and leasing by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of finance and leasing by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for finance and leasing in China, 2014
  • Provision of motor insurance by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of motor insurance by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of extended warranties by dealers in China, 2014: provision rate, product sources and provider share of non-tied partnerships
  • Provision of extended warranties by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Implied market shares of new business for extended warranties in China, 2014
  • Provision of road assistance by dealers in China, 2014: provision rate and product sources
  • Provision of road assistance by manufacturer brands in China, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of prepaid service contracts by dealers in China, 2014: provision rate and product sources
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