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市場調查報告書

中國的零售商付款、金融、保險、援助服務

Retailer Payments, Banking, Insurance and Assistance in China

出版商 Finaccord Ltd. 商品編碼 311019
出版日期 內容資訊 英文 46 Pages
商品交期: 最快1-2個工作天內
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中國的零售商付款、金融、保險、援助服務 Retailer Payments, Banking, Insurance and Assistance in China
出版日期: 2014年05月01日 內容資訊: 英文 46 Pages
簡介

本報告以中國230多家的有力零售商品牌組織的金融服務市場為焦點,提供支付卡,銀行商品,保險,援助服務領域的活動驗證,各公司單獨或與其他公司聯合實施的忠誠度計畫的參與情形,及各公司的線上銷售力和伴隨的線上付款機制。

摘要整理

第1章 簡介

  • 報告的對象市場
  • 調查理由
    • 許多國家的消費者對大型零售商及提供付款、金融、保險、救援服務新機會的線上銷售有興趣
  • 調查方法
    • 零售商的問卷調查
    • 混合流通模式營業的個10類別,200多家的有力零售商為調查對象
  • 定義
    • 付款、金融、保險、救援商品及服務
  • 營業模式
    • 系列、非系列供應商
  • 加重佔有率
  • PartnerBASE
  • Finaccord

第2章 市場分析

  • 簡介
  • 零售商支付卡
    • 信用、扣款、預付的各種卡片
    • 點數卡
  • 零售商忠誠度計畫
    • 零售商獨自的忠誠度計畫
  • 消費者金融
    • 金融商品
  • 國際付款、匯款
  • 保險、援助服務
  • 線上付款
    • 承擔率
    • 支付卡
    • 手機付款
    • 銀行匯款
    • 其他線上付款方式

第3章 附錄

  • 主要系列業者及合資企業
目錄

Retailer Payments, Banking, Insurance and Assistance in China investigates the market for financial services organised by over 230 major retail brands in China. As well as examining their initiatives in payment cards, banking products, insurance and assistance, the study also examines their involvement in proprietary and coalition loyalty programs, and details the online payment mechanisms accepted by those with an online sales capability. Among other data points, the report and PartnerBASE™ dataset that accompanies it embrace the following information about the retailers covered:

  • whether they offer their own credit, debit or prepaid cards and, if so, the card issuers that they work with in this context if they do not issue the cards themselves;
  • whether they are linked to one or more loyalty programs and, if so, whether these are proprietary or coalition schemes;
  • whether they make non-card point-of-sale finance available to their customers and, if so, the finance providers that they employ for this purpose;
  • whether they promote mainstream banking products such as general-purpose personal loans, mortgages and savings accounts and, if so, the partners that they co-operate with;
  • whether they distribute accident, dental, health, household, life, motor, pet or travel insurance, or any kind of assistance services and, if so, the insurance or assistance providers used;
  • for retail brands with an online sales capability, the payment means and providers that they accept for online purchases with consideration of payment cards, online accounts, mobile payments, bank transfers and other online payment options.

The report and PartnerBASE™ dataset can be used in the following ways:

  • to gain access to a comprehensive source of information that provides detailed insights into the involvement of major retail brands in China in payments, banking, insurance and assistance;
  • to monitor the activity of key competitors in retailer financial services including Alipay, China Rewards, ICBC, Taobao Insurance and UnionPay;
  • to understand the potential in China for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;
  • to evaluate the extent to which consolidation among conventional banks is opening up opportunities for new retailer banks to emerge as 'consumer champions';
  • to appreciate the range of online payment choices open to consumers in China who buy products and services through the websites of major retail groups.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
  • Rationale
  • In many countries, consumers are tending to gravitate to larger retailers and to buy more online which throws up new opportunities in payments, banking, insurance and assistance
  • Methodology
  • Survey of retailers
  • The survey's scope covers over 200 important retail brands grouped across ten categories with a clear majority of retailers operating a mixed distribution model
  • Definitions
  • Payment, banking, insurance and assistance products and services
  • Operating models
  • Weighted shares
  • PartnerBASE
  • Finaccord

2.0 MARKET ANALYSIS

  • Introduction
  • Retailer payment cards
  • Credit, debit and prepaid cards
  • Most retailer payment cards in China are configured as credit cards with 17 card issuers active in the market in total
  • ICBC is likely to be the leading issuer of retailer payment cards in China
  • UnionPay claims the highest share of network partnerships for retailer cards
  • The vast majority of retailer payment card programs are concentrated in three categories most notably that of supermarkets and hypermarkets
  • Gift cards
  • Well over a half of major retail brands in China have introduced stored-value gift cards with even online-only retailers scoring a provision rate of 50% in this arena
  • Retailer loyalty programs
  • Over 80% of retail brands surveyed in China participate in a loyalty program of one sort or another with significant activity rates apparent across all ten retailer categories
  • Proprietary loyalty programs
  • The great majority of major retailers in China run their own proprietary loyalty program
  • Coalition loyalty programs China Rewards was launched in 2013 as a joint venture involving three organisations while the longer-established SmartClub reportedly has over 3 million active members
  • OK Card incorporates several features of a coalition scheme without being a true loyalty program
  • Consumer finance
  • The provision rate among major retailers for point-of-sale finance has tripled since 2010
  • China Merchants Bank emerges as a leader in this field in both unweighted and weighted terms with nine other providers apparent, two of which are classifiable as captives
  • Three categories lack any retail brands with involvement in non-card consumer finance
  • Banking products
  • Overview
  • Half a dozen major retail brands in China offer general-purpose personal loans to their customers
  • Personal loans, mortgages and savings accounts with all six relying upon captive partners in this context
  • China Resources Bank acts as a captive provider for three retail brands belonging to its own parent
  • International payments / remittances
  • Western Union is used as partner by two of the retail chains researched in China
  • Insurance and assistance
  • 14 Chinese retail brands promote insurance products to their customers with a variety of operating models in evidence
  • By weighted share of partnerships, Taobao Insurance is the most prominent provider having set up a platform in 2010 to sell insurance to both consumers and small businesses
  • In this context, both Aegon-CNOOC and Manulife-Sinochem are classifiable as joint ventures
  • Retailers in five categories are involved in this sphere
  • Online payments
  • Acceptance rates
  • Online accounts are accepted by nearly as many retail brands as accept payment cards online
  • Payment cards
  • The dominance of UnionPay pushes international payment card brands to the margin
  • Five retailer categories in China register online acceptance rates for payment cards above 80%
  • Online accounts Alibaba's Alipay service is the leading online payment account provider by a substantial margin albeit Tenpay has built a substantial customer base within a short period of time and 99bill is another significant competitor which limits the growth potential for PayPal
  • All online retailer categories accept online accounts for payments via the internet
  • Mobile payments
  • Bank transfers
  • Direct bank transfers register significant acceptance rates among major online retailers in China
  • Other methods of online payment
  • A clear majority of online retail brands in China also accept payments on delivery (COD)

3.0 APPENDIX

  • Major captives and joint ventures

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Provision rates for key payment, banking, insurance and assistance products, adherence rates for loyalty schemes and online payment product acceptance rates among retailers in China, 2014

1.0 INTRODUCTION

  • Retailers researched in China, segmented by category, 2014
  • Retailers researched in China segmented by distribution model, 2014

2.0 MARKET ANALYSIS

  • Provision of retailer payment cards by type of card in China, 2014
  • Retailer payment cards in China: provision rate and operating models, 2014
  • Retailer payment cards in China: unweighted and weighted issuer share of partnerships, 2014
  • Retailer payment cards in China: unweighted and weighted network share of partnerships, 2014
  • Provision of retailer payment cards by retailer category and distribution model in China, 2014
  • Provision of retailer gift cards by retailer category and distribution model in China, 2014
  • Retailer loyalty programs in China: provision rates, program types and links to payment and other cards, 2014
  • Provision of or involvement in loyalty programs by retailer category and distribution model in China, 2014
  • Coalition loyalty programs in China: unweighted share of retailer brand members, 2014
  • Retailer consumer finance in China: provision rate and operating models, 2014
  • Retailer consumer finance in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of retailer consumer finance by retailer category and distribution model in China, 2014
  • Retailer provision of other banking products and services in China, 2014
  • Retailer personal loans, mortgages and savings accounts in China: provision and operating models, 2014
  • Retailer personal loans, mortgages and savings accounts in China: unweighted and weighted provider share of partnerships, 2014
  • Provision of personal loans, mortgages and savings accounts by retailer category and distribution model in China, 2014
  • Retailer international payments / remittances in China: provision rate and operating models, 2014
  • Provision of international payments / remittances by retailer category and distribution model in China, 2014
  • Retailer insurance and assistance in China: provision by policy type, 2014
  • Retailer insurance and assistance in China: provision and operating models, 2014
  • Retailer insurance and assistance in China: unweighted and weighted provider share of partnerships, 2014
  • Retailer online payment acceptance in China: acceptance rates by payment type, 2014
  • Payment cards accepted as an online payment mechanism by retailers in China: unweighted and weighted network share of acceptance, 2014
  • Acceptance of payment cards as an online payment mechanism by retailer category in China, 2014
  • Online accounts accepted as an online payment mechanism by retailers in China: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of online accounts as an online payment mechanism by retailer category in China, 2014
  • Mobile payment services accepted as an online payment mechanism by retailers in China: unweighted and weighted provider share of acceptance, 2014
  • Acceptance of mobile payments as an online payment mechanism by retailer category in China, 2014
  • Acceptance of direct bank transfers as an online payment mechanism by retailer category in China, 2014
  • Acceptance of other types of online payment mechanisms by retailer category in China, 2014

3.0 APPENDIX

  • Retailer captives and joint ventures in payments, banking, insurance and assistance in China: operating models, partners and ownership, 2014
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