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市場調查報告書

泰國的消費者取向汽車金融服務市場

Consumer Automotive Financial Services in Thailand

出版商 Finaccord Ltd. 商品編碼 238933
出版日期 內容資訊 英文 45 pages
商品交期: 最快1-2個工作天內
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泰國的消費者取向汽車金融服務市場 Consumer Automotive Financial Services in Thailand
出版日期: 2014年09月01日 內容資訊: 英文 45 pages
簡介

本報告提供泰國的新車及中古小客車銷售相關的消費者取向汽車用金融服務市場,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(貶值保險)市場相關資料詳細的分析,泰國的消費者取向汽車用金融服務市場現在及未來的商務機會的明確指南,為您概述為以下內容。

執行摘要

第1章 簡介

  • 這個調查報告的目的
  • 調查手法
    • 汽車經銷商及汽車廠商調查
    • 市場資料
  • 融資及租賃商品
  • 汽車保險,延長保固,及道路救援保險商品

第2章 市場分析

  • 序論
  • 小客車銷售資料
    • 汽車銷售整體中新車銷售急速成長,另一方面二手車銷售現在大部分還是在經銷商銷售系統以外銷售
    • 豐田和本田汽車總合佔據新車登記的60%以上
  • 消費者取向汽車融資及租賃市場
    • 市場規模及市場成長
      • 2011年現金付款的小客車購買比融資利用的購買略多
      • 汽車融資和租賃的總額2007年以來呈現倍增狀態
    • 融資及租賃商品的種類
      • 汽車購買時,經銷商的財政租賃合約為最常見的商品
  • 消費者取向汽車保險,保證,及道路救援服務市場
    • 市場規模
      • 汽車保險佔銷售額的大多數,債權人保險公司道路救援服務,延長保固契約相對來說比較少
    • 債權人保險政策的種類
      • 泰國的債權人保險政策仍停留在死亡和身心障礙的不賠償
    • 汽車保險政策的種類
      • 因經銷商加入涵蓋單純的賠償責任險以上保險
  • 汽車經銷商調查結果
    • 消費者取向汽車融資服務的提供
      • 泰國的汽車經銷商一般提供融資/租賃及汽車保險
    • 金融計劃數及性質
      • 融資/租賃及汽車保險跟合作業者的合作的提供形式多
    • 汽車融資服務使用概況
      • 泰國的新車購買者的半數以上以某種形式利用汽車融資
    • 市場競爭情形: 經銷商·夥伴關係
      • 融資及租賃: Thanachart和Tisco成為許多經銷商的合作處
      • 債權人保險: 幾個經銷商提供債權人保險
      • 汽車保險: 大多數的經銷商與保險公司合作
      • 差額保險(貶值保險):有商品,但在泰國比較不為人所知
      • 延長保固: 1/3以上的經銷商進行促銷
      • 道路救援服務: 本商品常常隨著新車購買銷售
  • 汽車製造公司調查
    • 消費者取向汽車金融服務的提供
      • 汽車保險相關的汽車製造商的提供率高
    • 市場競爭情形: 製造公司品牌的夥伴關係
      • 融資及租賃: 幾個廠商與自家公司專用的金融供應商合作
      • 債權人保險:廠商10間公司間接提供債權人保險
      • 汽車保險: 3/4以上的汽車廠商銷售汽車保險
      • 延長保固: 汽車廠商以作為自家公司的服務銷售延長保固
      • 道路救援服務: 幾乎所有廠商銷售道路救援服務契約

附圖/附表

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目錄

Abstract

Consumer Automotive Financial Services in Thailand investigates the market for automotive financial services linked to sales of new and used passenger cars in Thailand. 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 Thailand 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 70 leading car dealerships as well as an analysis of the approach to consumer automotive financial services of over 20 automotive brands in Thailand. 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 Thailand.

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
  • ... with huge diversity in these services between countries and products...
  • ... which have yet to be explored in detail
  • 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
  • Definitions
  • Finance and leasing products
  • Insurance, warranty and assistance products
  • Captive, internal and tied providers
  • Abbreviations
  • PartnerBASE™
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Passenger vehicle data
  • New car sales have grown much faster than the overall car parc...
  • ...while used cars are still mostly sold outside the dealer channel
  • Toyota and Honda jointly account for more than 60% of the market in new car registrations
  • Consumer automotive finance and leasing market
  • Market size and growth
  • Slightly more passenger cars were paid for in cash rather than financed in 2011
  • The total value of car finance and leasing has more than doubled since 2007
  • Types of finance and leasing product
  • Finance leasing is the most common product at the point of sale
  • Consumer automotive insurance, warranty and assistance markets
  • Market sizes
  • Motor insurance accounts for the bulk of revenue...
  • ...with a comparatively small role for creditor insurance, road assistance and extended warranties
  • Types of creditor insurance policy
  • Creditor insurance policies sold in Thailand go beyond death and permanent disability
  • Types of motor insurance policy
  • Those buying motor insurance through dealers often take out more than liability cover
  • Automotive dealer survey
  • Provision of consumer automotive financial services
  • It is extremely common for car dealers in Thailand to offer both finance / leasing and motor insurance
  • Number and nature of schemes
  • Finance / leasing and motor insurance are frequently offered in collaboration with non-tied partners
  • Consumer uptake of automotive financial services
  • More than half of Thai new car buyers take out some form of auto finance
  • Competitor dynamics: dealer partnerships
  • Finance and leasing: Thanachart and Tisco have established themselves as important partners for dealers
  • Creditor insurance: several dealers were found to offer creditor insurance
  • Motor insurance: the majority of dealers co-operate with non-tied providers
  • GAP insurance: this product exists but is not well-known in Thailand
  • Extended warranties: more than a third of dealers promote extended warranties
  • Road assistance: this product is frequently distributed with new cars
  • Automotive manufacturer brand survey
  • Provision of consumer automotive financial services
  • The weighted provision rates for manufacturers are especially high for motor insurance
  • Competitor dynamics: manufacturer brand partnerships
  • Finance and leasing: several manufacturer brands work with captive finance providers
  • Creditor insurance: ten manufacturer brands provide creditor insurance through an indirect relationship
  • Motor insurance: over three quarters of manufacturer brands sell motor insurance
  • Extended warranties: manufacturers normally offer extended warranties on an internal basis
  • Road assistance: almost all manufacturer brands distribute road assistance

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY 1

  • Key market data for consumer automotive financial services in Thailand, 2011 2

1.0 INTRODUCTION 3

2.0 MARKET ANALYSIS 10

  • Passenger car parc and new / used passenger car sales in Thailand, 2007 to 2011 11
  • Passenger car parc and new / used passenger car sales in Thailand, 2007 to 2011 (data) 12
  • New car registrations in Thailand, segmented by manufacturer brand, 2010 13
  • New / used passenger car finance market in Thailand, segmented by distribution channel: volumes, 2007 to 2011 14
  • New / used passenger car finance market in Thailand, segmented by distribution channel: values, 2007 to 2011 15
  • New / used passenger car finance market in Thailand, segmented by distribution channel: values and volumes, 2007 to 2011 (data) 16
  • % split between the different types of finance and leasing contract sold at the point of sale in Thailand, 2011 17
  • Total revenues from consumer automotive insurance, warranty and assistance markets in Thailand, 2011 18
  • Total revenues from consumer automotive insurance, warranty and assistance contracts in Thailand, 2011 (data) 19
  • % split between the different types of creditor insurance policy sold at the point of sale in Thailand, 201120
  • % split between the different types of motor insurance policy sold at the point of sale in Thailand, 2011 21
  • % of dealers in Thailand offering each type of automotive financial service, 2011 22
  • Average number of tied and non-tied schemes offered by dealers in Thailand for each type of automotive financial service, 2011 23
  • Average number of tied and non-tied schemes offered by dealers in Thailand for each type of automotive financial service, 2011 (data) 24
  • % of new and used car purchasers in Thailand acquiring each type of automotive financial service at the point of sale, 2011 25
  • Provision of finance and leasing by dealers in Thailand, 2011: provision rate, product sources and provider share of non-tied partnerships 27
  • Provision of motor insurance by dealers in Thailand, 2011: provision rate, product sources and provider share of non-tied partnerships 29
  • Provision of extended warranties by dealers in Thailand, 2011: provision rate and product sources 30
  • Provision of road assistance by dealers in Thailand, 2011: provision rate and product sources 31
  • Comparison of the provision of each type of automotive financial service by manufacturer brands and dealers in Thailand, 2011 32
  • Provision of finance and leasing by manufacturer brands in Thailand, 2011: provision rate, operating models and weighted provider share of partnerships 34
  • Provision of creditor insurance by manufacturer brands in Thailand, 2011: provision rate, operating models and weighted provider share of partnerships 36
  • Provision of motor insurance by manufacturer brands in Thailand, 2011: provision rate, operating models and weighted provider share of partnerships 38
  • Provision of extended warranties by manufacturer brands in Thailand, 2011: provision rate, operating models and weighted provider share of partnerships 40
  • Provision of road assistance by manufacturer brands in Thailand, 2011: provision rate, operating models and weighted provider share of partnerships 42
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