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市場調查報告書

中國的卡片、付款產業:新的趨勢與市場機會 (到2019年)

The Cards and Payments Industry in China: Emerging Trends and Opportunities to 2020

出版商 GlobalData 商品編碼 294174
出版日期 內容資訊 英文 58 Pages
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中國的卡片、付款產業:新的趨勢與市場機會 (到2019年) The Cards and Payments Industry in China: Emerging Trends and Opportunities to 2020
出版日期: 2017年03月14日 內容資訊: 英文 58 Pages
簡介

本報告提供中國的各種卡片、付款方式的產業趨勢相關分析、各種卡片的發行張數和付款數量、金額 (過去5年的實際成果值與今後五年的預測值)、主要企業簡介和競爭環境 (市場佔有率等)、產業整體推動因素和課題、管理體制的最新資訊、消費者的想法、行動模式等調查、考察。

第1章 定義與分類

第2章 主要資料和最近的趨勢

第3章 摘要整理

第4章 付款方式

  • 目前付款方式
  • 替代性的付款方式
    • Alipay
    • Smile To Pay
    • Tenpay
    • PayPal

第5章 對卡片、付款產業的法規

  • 管理體制
    • China UnionPay (CUP) 的付款指南
    • 預定引進的電子商務法規
  • 反洗錢 (AML)
  • 海外直接投資 (FDI) 的法規

第6章 卡片、付款產業的推動因素分析

  • 在人口方面的推動因素
  • 在經濟方面的推動因素
  • 在基礎設施方面的推動因素
  • 商務方面的推動因素

第7章 市場區分和新產品的銷售

  • 市場區分和目標設定
    • 個人卡 (消費者卡)
    • 財團用卡 (商用卡)
  • 新產品的銷售

第8章 付款用卡

  • 付款用卡分析
    • 付款用卡的交易數量、金額:各類型
    • 個人/財團用卡

第9章 轉帳卡

  • 轉帳卡市場分析
    • 轉帳卡的交易數量、金額:各流通管道
    • 轉帳卡的各方案/各發行企業佔有率 (結算金額基礎)
    • 轉帳卡比較

第10章 信用卡

  • 信用卡市場分析
    • 信用卡的交易數量、金額:各流通管道
    • 信用卡的各方案/發行各企業佔有率 (結算金額基礎)
    • 信用卡比較

第11章 簽帳卡

  • 簽帳卡市場分析
    • 簽帳卡的交易數量、金額:各流通管道
    • 簽帳卡的各方案佔有率 (結算金額基礎)
    • 簽帳卡比較

第12章 財團用卡

  • 財團用卡市場分析
    • 財團用卡 (商用卡) 比較

第13章 發卡公司 (isshua)

  • Agricultural Bank of China
  • China Construction Bank
  • Industrial and Commercial Bank of China
  • Bank of China
  • Bank of Communications

第14章 儲值卡

  • 儲值卡市場分析
    • 儲值卡比較

第15章 附錄

圖表一覽

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目錄

GlobalData's "The Cards and Payments Industry in China: Emerging Trends and Opportunities to 2020" report provides top-level market analysis, information and insights into the Chinese cards and payments industry, including -

  • Current and forecast values for each market in the Chinese cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including credit transfers, cash transactions, checks and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and payment methods.
  • Analysis of various market drivers and regulations governing the Chinese cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape in the Chinese cards and payments industry.

This report provides detailed analysis of market trends in the Chinese cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, check payments, payment cards and cash transactions during the review period (2012-2016).

The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2016-2020). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.

The report brings together GlobalData's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

The Chinese credit cards market is expected to attract more foreign competitors, as in June 2016, the central bank - People's Bank of China formally opened its credit card clearing market for foreign companies. The rules issued by the central bank and the China Banking Regulatory Commission require foreign companies to comply with national security and cybersecurity standards, and be locally based. The move, which ends CUP's monopoly, was a result of long-standing demand for international scheme providers - particularly Mastercard and Visa.

In a bid to boost competition in the credit cards market, the central bank relaxed credit card lending rates in April 2016. Effective from January 2017, the new rule allows banks to offer up to a 30% discount on the credit card lending rate. In order to give banks autonomy to set their own terms, the central bank has also decided to eliminate unified rules on banks' interest-free period and minimum monthly repayments. Prior to the regulation, the lending rate was fixed at 0.05% per day; the interest free period can run up to 60 days, while the minimum monthly payment is at least 10% of the monthly bills. The new rule also allows banks to decide whether and how much to charge cardholders for delays in payments.

The cap on merchant service charges on card transactions was introduced in September 2016. According to the National Development and Reform Commission (NDRC) and the central bank, merchant service charges for debit cards are capped at 0.35%, while on credit cards it set as 0.45%. Prior to this new policy, banks could charge a maximum of 0.9% on card payments. With a reduction in revenue, card issuers are likely to cut card benefits for consumers, and instead look at new ways to generate revenue.

Scope

  • This report provides a comprehensive analysis of the Chinese cards and payments industry.
  • It provides current values for the Chinese cards and payments industry for 2016, and forecast figures to 2020.
  • It details the different demographic, economic, infrastructural and business drivers affecting the Chinese cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.

Reasons to buy

  • Make strategic business decisions, using top-level historic and forecast market data, related to the Chinese cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Chinese cards and payments industry.
  • Assess the competitive dynamics in the Chinese cards and payments industry.
  • Gain insights into marketing strategies used for various card types in China.
  • Gain insights into key regulations governing the Chinese cards and payments industry.

Table of Contents

  • EXECUTIVE SUMMARY 2
  • 1.1. Market overview 2
  • 1.2. Key facts 3
  • 1.3. Top five industry events 4
  • 2. PAYMENT INSTRUMENTS 10
  • 2.1. Current payment environment 10
  • 3. E-COMMERCE AND ALTERNATIVE PAYMENTS 12
  • 3.1. E-Commerce market analysis 12
  • 3.2. Alternative payment solutions 14
  • 3.2.1. Alipay 14
  • 3.2.2. Tenpay 15
  • 3.2.3. PayPal 15
  • 3.2.4. Apple Pay 16
  • 3.2.5. Samsung Pay 16
  • 3.2.6. Huawei Pay 16
  • 3.2.7. Mi Pay 17
  • 3.2.8. QuickPass 17
  • 3.2.9. Visa Checkout 17
  • 3.2.10. MasterPass 17
  • 4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 18
  • 4.1. Regulatory framework 18
  • 4.1.1. CUP's payment guidelines 18
  • 4.1.2. E-commerce regulation 20
  • 4.2. Anti-money laundering 21
  • 4.3. Foreign direct investment regulations 21
  • 5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 22
  • 6. PAYMENT CARDS 25
  • 7. DEBIT CARDS 27
  • 7.1. Debit cards market analysis 27
  • 7.2. Competition in the debit cards market 29
  • 7.3. Debit cards comparison 30
  • 8. PAY LATER CARDS 31
  • 8.1. Pay later cards market analysis 31
  • 8.2. Competition in the pay later cards market 33
  • 8.3. Pay later cards comparison 35
  • 9. PREPAID CARDS 37
  • 10. APPENDIX 39
  • 10.1. Abbreviations and acronyms 39
  • 10.2. Supplementary data 40
  • 10.3. Definitions 52
  • 10.4. Common payment card features 53
  • 10.5. Methodology 54
  • 10.6. Bibliography 56
  • 10.7. Further reading 56

List of Tables

  • Table 1: China, Key Facts, 2016 3
  • Table 2: China, Regional Benchmarking of Payment Cards, 2016 3
  • Table 3: China, Mode of Entry of Foreign Banks 21
  • Table 4: China, Debit Cards Comparison and Key Features, 2016 30
  • Table 5: China, Gold Credit Cards Comparison and Key Features, 2016 35
  • Table 6: China, Premium Credit Cards Comparison and Key Features, 2016 35
  • Table 7: China, Charge Cards Comparison and Key Features, 2016 36
  • Table 8: China, Payment Instrument Transaction Values (CNY Trillion), 2012-2016 40
  • Table 9: China, Payment Instrument Transaction Values (US$ Trillion), 2012-2016 40
  • Table 10: China, Payment Instrument Transaction Volumes (Billion), 2012-2016 40
  • Table 11: China, Payment Cards in Circulation by Type (Million), 2012-2020 41
  • Table 12: China, Volume of Payment Card Transactions (Million), 2012-2020 41
  • Table 13: China, Value of Payment Card Transactions (CNY Billion), 2012-2020 41
  • Table 14: China, Value of Payment Card Transactions (US$ Billion), 2012-2020 41
  • Table 15: China, Debit Cards in Circulation (Billion), 2012-2020 42
  • Table 16: China, Debit Card Transaction Volumes, 2012-2020 42
  • Table 17: China, Debit Card Transaction Values (CNY), 2012-2020 42
  • Table 18: China, Debit Card Transaction Values (US$), 2012-2020 43
  • Table 19: China, Debit Cards in Circulation by Scheme (Billion), 2012-2016 43
  • Table 20: China, Debit Card Transaction Values by Scheme (CNY Trillion), 2012-2016 43
  • Table 21: China, Debit Card Transaction Values by Scheme (US$ Trillion), 2012-2016 43
  • Table 22: China, Debit Card Transaction Values by Issuer (CNY Billion), 2012-2016 44
  • Table 23: China, Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016 44
  • Table 24: China, Pay Later Cards in Circulation (Million), 2012-2020 44
  • Table 25: China, Pay Later Card Transaction Volumes, 2012-2020 45
  • Table 26: China, Pay Later Card Transaction Values (CNY), 2012-2020 45
  • Table 27: China, Pay Later Card Transaction Values (US$), 2012-2020 45
  • Table 28: China, Pay Later Cards in Circulation by Scheme (Million), 2012-2016 46
  • Table 29: China, Pay Later Card Transaction Values by Scheme (CNY Trillion), 2012-2016 46
  • Table 30: China, Pay Later Card Transaction Values by Scheme (US$ Trillion), 2012-2016 46
  • Table 31: China, Pay Later Card Transaction Values by Issuer (CNY Billion), 2012-2016 46
  • Table 32: China, Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016 47
  • Table 33: China, Credit Cards in Circulation (Million), 2012-2020 47
  • Table 34: China, Credit Card Transaction Volumes, 2012-2020 47
  • Table 35: China, Credit Card Transaction Values (CNY), 2012-2020 48
  • Table 36: China, Credit Card Transaction Values (US$), 2012-2020 48
  • Table 37: China, Credit Cards in Circulation by Scheme (Million), 2012-2016 48
  • Table 38: China, Credit Card Transaction Values by Scheme (CNY Trillion), 2012-2016 48
  • Table 39: China, Credit Card Transaction Values by Scheme (US$ Trillion), 2012-2016 49
  • Table 40: China, Charge Cards in Circulation (Million), 2012-2020 49
  • Table 41: China, Charge Card Transaction Volumes, 2012-2020 49
  • Table 42: China, Charge Card Transaction Values (CNY), 2012-2020 49
  • Table 43: China, Charge Card Transaction Values (US$), 2012-2020 50
  • Table 44: China, Charge Cards in Circulation by Scheme (Million), 2012-2016 50
  • Table 45: China, Charge Card Transaction Values by Scheme (CNY Billion), 2012-2016 50
  • Table 46: China, Charge Card Transaction Values by Scheme (US$ Billion), 2012-2016 50
  • Table 47: China, Prepaid Cards in Circulation (Million), 2012-2020 50
  • Table 48: China, Prepaid Card Transaction Values (CNY Billion), 2012-2020 51
  • Table 49: China, Prepaid Card Transaction Values (US$ Billion), 2012-2020 51
  • Table 50: Definitions of Commonly Used Terms 52
  • Table 51: Common Features of Payment Cards 53

List of Figures

  • Figure 1: China, Payment Instrument Shares by Transaction Value (%), 2012 vs 2016 10
  • Figure 2: China, Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016 11
  • Figure 3: China, E-Commerce Value 12
  • Figure 4: China, Population and Economic Indicators 22
  • Figure 5: China, ATMs, POS Terminals and Household Consumption 23
  • Figure 6: China, Payment Cards Transaction Value and Cards in Circulation, 2012-2020 25
  • Figure 7: China, Debit Card Penetration and Turnover Per Card 27
  • Figure 8: China, Debit Cards Scheme and Issuer Transaction Value Share, 2016 29
  • Figure 9: China, Pay Later Card Penetration and Turnover Per Card 31
  • Figure 10: China, Pay Later Cards Scheme and Issuer Transaction Value Share, 2016 33
  • Figure 11: China, Prepaid Cards in Circulation and Transaction Value, 2012-2020 37
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