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市場調查報告書

印尼的消費者汽車金融服務

Consumer Automotive Financial Services in Indonesia

出版商 Finaccord Ltd. 商品編碼 238922
出版日期 內容資訊 英文 54 pages
商品交期: 最快1-2個工作天內
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印尼的消費者汽車金融服務 Consumer Automotive Financial Services in Indonesia
出版日期: 2014年05月01日 內容資訊: 英文 54 pages
簡介

本報告提供關於印尼消費者取向新車及二手車銷售的汽車金融服務市場相關分析,提供各種保險市場(信貸者保險,汽車保險,道路援助,延長保固,差額保險(貶值保險),道路事故保險)的普及化分析。再使用銷售時對融資及租賃提案之平均理解率調查結果來闡明印尼的消費者取向汽車金融及租賃市場的規模與成長資料,同時提供大經銷商(65家公司)及保險業者(全29家公司,包含廠商系·獨立型)等簡介,為您概述為以下內容。

摘要整理

第1章 簡介

  • 這份報告網羅了哪些內容?
  • 理論的解釋
  • 調查方法
  • 經銷商·廠商調查
  • 市場資料
  • 外部的資訊來源
  • 定義
  • 金融及租賃商品
  • 保險,與保證補助商品
  • 運用模式
  • 綁約/非綁約供應商
  • 簡稱
  • 匯率
  • PartnerBASE及市場資料附表
  • 關於Finaccord

第2章 市場分析

  • 小客車資料
    • 新車銷售台數在2009∼2013年倍增,同時期二手車銷售台數也急速成長
    • 日系廠商壟斷印尼的新車市場
  • 消費者取向汽車金融及租賃市場
    • 市場規模與成長率
      • 受到車輛價格急劇上升的影響,2009∼2013年的汽車經銷商契約金額超越契約數量急速擴大
    • 金融和租賃商品的種類
      • 銷售時大部分融資,都是單純的貸款形態
  • 消費者取向汽車保險,保證,援助市場
    • 市場規模
      • 汽車保險銷售總額,在2013年達到7兆印尼幣
  • 汽車經銷商·廠商品牌的調查:概要
    • 簡介
    • 消費者汽車金融服務的提供
      • 汽車經銷商大部分提供4∼8種的金融服務,延長保固和預付式服務契約的比率很低,除了部分廠商品牌之外,GAP保險公司不負責道路事故保險
    • 針對經銷商制度的數量和種類
      • 各家經銷商通常與3∼4家金融·租賃企業合作,但2011年以後其數量有減少趨勢
      • 經銷商銷售的信貸者保險種類與數量
      • 少有經銷商會經手包含死亡及永遠性殘障以外的保險產品
      • 經銷商銷售的汽車保險種類
      • 由於金融供應商要求債務人擁有確實的保証,經銷商銷售複數種類的汽車保險
    • 經銷商銷售的道路援助種類
      • 道路援助在印尼各地皆可使用
    • 消費者透過經銷商利用汽車金融服務
    • 新車/二手車汽車保險,銷售時融資率皆上升
  • 汽車經銷商及廠商品牌的調查:夥伴關係
    • 簡介
    • 金融·租賃商品
      • 只有10%左右的經銷商僅提供廠商品牌系供應的商產品:大型非銀行金融Mandiri Tunas Finance雖然和日系品牌合作取下3/4市場,但Astra International與Indomobil將自家公司進口的車附帶自家公司的金融服務
      • CIMB Niaga:與多數的小規模廠商·品牌合作
      • Astra International和Mandiri Tunas Finance藉由夥伴關係佔整體數量的大半
    • 信貸者保險
      • Cigna:這個領域與廠商·品牌有「直接」關係的唯一一家保險業者
    • 汽車保險
      • 流通管道內部存在30家以上的業者,展開激烈的銷售競爭
      • 另一方面,與廠商品牌的合作商品完全由Astra Buana壟斷·主導
    • 延長保固
      • 由於廠商品牌方面的支援體制尚未就緒,經銷商的配合率至今仍低
    • 道路援助
      • 經銷商提供服務時活用廠商·保險業者·獨家的資源:成為AstraWorld廠商方面主要的合作夥伴
    • GAP保險:Mandiri Tunas Finance導入GAP保險,提供汽車產業方面作為選擇
    • 預付式服務契約
      • 提供預付式服務契約的經銷商僅不到1/10
      • 部分高級車品牌提供針對新車的免費服務
    • 道路事故保險
      • Astra International進口的品牌,可購買該公司獨家的事故保險商品

圖表清單

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目錄

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

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 Indonesia is provided in terms of gross advances and assets leased for 2009 to 2013 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 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 2013. These markets, estimated to be worth almost IDR 7 trillion in total in 2013, are broken down between new and used cars, and between new contracts sold during 2013 and in-force business sold in previous years but still being renewed in 2013.

The report draws on a survey of 65 leading car dealerships as well as an analysis of the approach to consumer automotive financial services of 29 car manufacturer brands in Indonesia. 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 ABDA Insurance, ACA, Adira Insurance, Astra Buana, Astra Credit Companies, AXA Mandiri, BCA Finance, Cigna, Mandiri Tunas Finance and Oto Multiartha. Together, the report and database will provide you with the definitive guide to current and future opportunities in consumer automotive financial services in Indonesia.

Table of Contents

Executive Summary

Introduction

Market Analysis

List of Graphics / Tables

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 Indonesia 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 new cars in Indonesia more than doubled between 2009 and 2013 with used car sales also advancing at a healthy rate over the same period
  • Japanese manufacturers dominate the Indonesian market for new vehicle sales
  • Consumer automotive finance and leasing market
  • Market size and growth
  • Between 2009 and 2013 there was a surge in the volume of contracts organised at the point of sale with even faster growth by value, partly as a result of inflation in car prices
  • Types of finance and leasing product
  • The Indonesian point-of-sale finance market is almost entirely composed of simple loans
  • Consumer automotive insurance, warranty and assistance markets
  • Market sizes
  • In total, the automotive trade is likely to have sold contracts worth IDR 7 trillion in 2013
  • Survey of automotive dealers and manufacturer brands - overview
  • Introduction
  • Provision of consumer automotive financial services
  • A majority of automotive dealers distribute four of the eight automotive financial services investigated albeit provision rates for extended warranties and prepaid service contracts are weaker and, while available from some manufacturer brands, dealers do not yet sell GAP or road hazard cover
  • Number and nature of dealer schemes
  • Dealers typically work with three or four finance and leasing providers with this number having fallen quite substantially since 2011
  • Types of creditor insurance policy sold by dealers
  • Few dealers sell cover that goes beyond life and permanent disability cover
  • Types of motor insurance policy sold by dealers
  • Dealers sell several types of motor insurance since finance providers insist that borrowers are insured
  • Sources of road assistance distributed by dealers
  • Road assistance is widely available through motor insurance in Indonesia
  • Consumer uptake of automotive financial services through dealers
  • Point-of-sale take-up rates have risen for motor insurance with both new and used cars
  • Survey of automotive dealers and manufacturer brands - partnerships
  • Introduction
  • Finance and leasing
  • Only around 10% of dealers rely solely on their manufacturer brands' tied providers with companies owned by Japanese parents among the main non-bank lenders Mandiri Tunas Finance has partnerships with brands accounting for three quarters of the market while Astra International and Indomobil are major importers with their own captive finance arms
  • CIMB Niaga has numerous partnerships with comparatively small manufacturer brands
  • Astra International and Mandiri Tunas Finance claim the greatest combined share of partnerships
  • Creditor insurance
  • Cigna is the only underwriter with a 'direct' manufacturer brand relationship in this field
  • Motor insurance
  • There is fierce competition to sell motor insurance through car dealers in Indonesia with a total of more than 30 underwriters active in this channel
  • In contrast, manufacturer brands' partnerships are dominated by one company, namely Astra Buana making this company the likely market leader for point-of-sale motor insurance on a combined analysis
  • Extended warranties
  • The dealer provision rate for extended warranties remains modest in part because few manufacturer brands have yet launched schemes in this area
  • Road assistance
  • Dealers mostly use manufacturer schemes, motor insurers or their own resources to offer road assistance with AstraWorld identifiable as the leading partner for manufacturers
  • GAP insurance Mandiri Tunas Finance has introduced GAP cover as an option for its automotive partners
  • Prepaid service contracts
  • Only around one in ten dealers yet offer prepaid service contracts to buyers of new or used cars
  • Some prestige brands offer free servicing with new cars
  • Road hazard insurance
  • Brands imported by Astra International have access to their captive's road hazard insurance product

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

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

1.0 INTRODUCTION

2.0 MARKET ANALYSIS

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