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市場調查報告書

團體信用人壽保險的越南市場

Creditor Insurance in Vietnam

出版商 Finaccord Ltd. 商品編碼 327634
出版日期 內容資訊 英文 25 Pages
商品交期: 最快1-2個工作天內
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團體信用人壽保險的越南市場 Creditor Insurance in Vietnam
出版日期: 2015年03月01日 內容資訊: 英文 25 Pages
簡介

本報告提供越南的團體信用人壽保險 (債權人團體保險) 市場現狀與今後的市場機會相關分析PartnerBASE ™的市場資料庫,及越南國內61家主要的消費者金融企業的採訪等,整體市場趨勢的實際成果值、預測值 (過去、今後5年份) ,及市場的今後的發展預測、商品的各類型及補償對象的詳細趨勢、營運模式的概要、主要企業的市場佔有率和合作對象、替代性的銷售管道和今後的市場進入的可能性、推動因素等調查、考察。

摘要整理

第1章 簡介

  • 關於本報告
  • 理論的根據
  • 調查手法
  • 市場資料
  • 定義
  • 簡稱及匯率
  • PartnerBASE及市場資料附表
  • Finaccord

第2章 市場分析

  • 分析對象的銀行、其他貸款機關
  • 銀行業概要
  • 消費者金融的市場規模與成長率
  • 團體信用人壽保險的提供價格、營運模式、聯盟對象
  • 團體信用人壽保險的風險補償範圍
  • 替代性的流通管道
  • 團體信用人壽保險的市場規模、成長率、未來預測

圖表一覽

目錄

Finaccord's report titled ‘Creditor Insurance in Vietnam’ offers uniquely detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, as acquired by individual borrowers in Vietnam. Drawing on the results of a survey of 53 lending institutions, the study analyses the distribution of creditor insurance by banks and other lending institutions, how provision rates vary for different lending products, operating models used for arranging creditor insurance, and distribution partnerships weighted by the size of distributors. The PartnerBASE™ dataset that accompanies the report details all creditor insurance distribution deals traced by Finaccord. In short, this study will provide you with the definitive guide to current and future opportunities in creditor insurance in Vietnam.

Key features of this study plus the PartnerBASE™ dataset and market data annexe that accompany it include:

  • quantification of creditor insurance market size and growth with a timeline from 2010 to 2014 and onwards to 2018: how much is this market really worth in Vietnam and what is its future development potential?
  • segmentation of this market both by underlying loan type (differentiating between mortgages, point-of-sale automotive finance, other consumer finance and credit card loans) and by type of cover (differentiating between cover for death / permanent disability and temporary incapacity / unemployment);
  • consideration of operating models used for creditor insurance: how advanced is the use of captive and joint venture underwriters by lending institutions in Vietnam?
  • calculation of weighted provider share of partnerships: Finaccord's unique quantitative analysis helps to identify which underwriters of creditor insurance hold the relationships that offer the most potential;
  • investigation into alternative distribution channels for selling creditor insurance: a number of factors could increase the potential for entities other than the lending institutions themselves to sell creditor insurance in Vietnam.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • This report provides a comprehensive analysis of loan-related insurance policies in Vietnam
  • Rationale
    • The report tracks over 50 separate initiatives for marketing creditor insurance through lending institutions
  • Methodology
  • Survey of banks and other lending institutions
  • Market data
  • Definitions
    • Creditor insurance
    • Mortgages, consumer finance and credit cards
    • Weighted provider share of partnerships
    • Operating models
  • Abbreviations and exchange rates
  • PartnerBASE and market data annexe
  • Finaccord

2.0 MARKET ANALYSIS

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Four of Vietnam's five largest banks by number of customers are state-owned
    • ... with Agribank leading the market by this measure
    • Indigenous banks control around 90% of the retail lending sector...
    • ... although this market remains very small by international standards
    • Several Japanese banks have displayed an interest in Vietnam's banking sector
  • Consumer lending market size and growth
    • Mortgage lending
      • Mortgage balances grew at a nominal compound annual rate of 21.3% between 2010 and 2014...
    • Non-mortgage lending
      • ... with a slightly lower rate in evidence for consumer non-mortgage lending
    • Credit and other pay later cards
      • Though still under-developed, Vietnam's credit card market is growing at a rapid pace
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • Over a half of all lenders offering home loans also have an arrangement for related creditor insurance
      • Three captive insurers and one joint venture are ranked in the top five by weighted share of partnerships
      • Prévoir is used for mortgage-related creditor insurance by six different banking entities
      • Several large banks have not yet introduced mortgage-related creditor insurance
    • Creditor insurance linked to consumer finance
      • Partnerships for policies linked to consumer finance are similar to those for mortgage-related cover
      • ... although a couple are unique to this sector
    • Creditor insurance linked to credit cards
      • Schemes for credit card payment protection insurance are rather less commonplace in Vietnam
  • Creditor insurance risk coverage
    • Most creditor insurance policies are limited to cover in the event of death and permanent disability
  • Alternative distribution channels
    • Several large insurers market creditor insurance through the agency distribution networks
  • Creditor insurance market size, growth and forecast
    • The very small creditor insurance market is expected to advance rapidly between 2014 and 2018...
    • ... with the value of policies cross-sold with credit cards expected to increase most strongly
    • The introduction of more policies covering temporary incapacity or unemployment could spur higher growth

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Banks and other lending institutions in Vietnam contacted by Finaccord, segmented by type

2.0 MARKET ANALYSIS

  • Residential mortgage lending balances outstanding in Vietnam (absolute and per capita), 2010 to 2014
  • Consumer non-mortgage lending balances outstanding in Vietnam (absolute and per capita), 2010 to 2014
  • Credit and other pay later cards issued and per capita in Vietnam, 2010 to 2014
  • Key data points for the consumer lending market in Vietnam, 2010 to 2014
  • Provision of creditor insurance linked to mortgages in Vietnam, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Vietnam, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Vietnam, 2015: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Vietnam, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in Vietnam, segmented by policy type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in Vietnam, segmented by cover type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in Vietnam, segmented by policy and cover type, 2010, 2014 and 2018
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