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베트남의 소비자 금융 시장

Vietnam Consumer Finance Market Report 2018

리서치사 StoxPlus - Biinform
발행일 2018년 05월 상품 코드 314708
페이지 정보 영문 84 Pages
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베트남의 소비자 금융 시장 Vietnam Consumer Finance Market Report 2018
발행일 : 2018년 05월 페이지 정보 : 영문 84 Pages

이 페이지에 게재되어 있는 내용은 최신판과 약간 차이가 있을 수 있으므로 영문목차를 함께 참조하여 주시기 바랍니다. 기타 자세한 사항은 문의 바랍니다.

한글목차

베트남 소비자 금융 시장의 개요, 경쟁 구도, 소비자 금융 모델별 비교, 주요 소비자 금융업자의 개요 등을 정리하여 전해드립니다.

개요

제1장 베트남의 소비자 금융 시장 : 개요

  • 부문 구조
  • 시장 규모·성장률
  • 시장 세분화

제2장 경쟁력 역학

  • 소비자 금융업자의 시장 점유율
  • 소비자 금융업자에 대한 소비자의 만족도
  • 상품
  • 판매채널
  • 회수·반제 방법
  • 제품의 상세 조사
  • 재무 실적

제3장 소비자 금융 모델의 비교 : 기존형 vs. 디스럽프티브 모델

  • 기존형 소비자 금융 모델
  • 디스럽프티브 모델
  • 인포멀 파이낸싱

제4장 주요 정책의 개정

제5장 부록

  • 주요 기업 개요
  • 데이터 테이블
KSA 17.05.22

영문목차

What's new in this issue ? Consumer Finance is growing in Vietnam but is still small compared to other regional markets and growth opportunity is still here. In the year 2017, Vietnam's Consumer Finance for 17% of the National Loan Book, driven by strong demand increases in housing and home improvement loans, as well as secured and unsecured cash loans.

Usually, banks focus on serving the middle income segments and above, leaving behind 48% of the population who are unbanked, low-income and have the potential to be CF customers. However, since banks are the traditional go-to source for financing, in 2017 finance companies only accounted for approximately 8.4% of the total outstanding consumer loans, as opposed to 91.6% of commercial banks. Nevertheless the market is becoming more competitive and new entrants are still incoming.

Consumer finance market has experienced changes in portfolio in 2017

  • Housing loans increased in tandem with the overall growth thanks to the warm real estate market
  • Home appliances loans and Vehicle loans had negative growth as the market becomes more saturated
  • Meanwhile, finance companies are focusing on developing the market for credit card and cash loans
  • For the foreseeable future, POS remains a key entry product, while Finance Companies are now eyeing the mobile and digital channels such as IPS and P2P for the next move

The rush for market share has now been replaced by the focus on the efficiency of business model and better risk management

  • Leading Finance companies are now past the market share grabbing phase and entering a "professionalization" phase, with different sales model and risk models applied
  • In this new phase, the digitization as well as the rise of Fintech and mobile payment would shape the Consumer Finance market

Multiple M&As have happened in 2017 as foreign investors are interested in acquiring CF licenses, indicating stronger competition in coming years

Table of Contents

Executive Summary

1 Vietnam Consumer Finance Market

  • 1.1 Sector structure
  • 1.2 Market size and growth
  • 1.3 Market Segmentation

2 Competition Dynamics

  • 2.1 Market share of CF companies
  • 2.2 Key Product Trends
  • 2.3 Financial performance of CF companies
  • 2.4 Sales Channel
  • 2.5 Marketing Campaigns

3 Key Trends of Vietnam CF Market

  • 3.1 CF Companies: On the Road to Professionalization
  • 3.2 The Rise of Fintech and Mobile Payment
  • 3.3 Active Foreign Investment Inflows

4 Key Challenges of Vietnam CF Market

  • 4.1 Understanding Customer
  • 4.2 Risk Management

5 Regulatory Framework Updates

Appendices

  • A1 Company Profiles
  • A2 Product Details
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