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2017 Consumer Finance in China

This 2017 Consumer Finance in China report provides a comprehensive overview of the development of consumer finance and how financial solutions and institutions that facilitate consumer finance has been happening in China. The report describes the characteristics and trends that have been observed in recent years and its historical context, an analysis of the different channels for consumption loan products in China, the future consumer loans market trends, with a focus on end-customers and players in the market, and the future of regulation and risk in the market.
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Description

It is during the process of economic expansion of a country when the need for the institutionalization and liberalization of the financial solutions and institutions that facilitate consumer finance arises. This process takes place as a country is in transition from a developing to developed country, as a country transforms its economy from a manufacturing economy to a consumption-oriented one, and as the middle class develops a demand for financial solutions to support their personal consumption.

This report analyses the case of China by providing an overview landscape of how this process has been happening, describing the characteristics and trends that make China ripe for consumer finance and its historical context, an analysis of the different channels for consumer loan products in China, the future consumer loans market trends, with a focus on end-customers and players in the market, and the future of regulation and risk in the market.

We analyse the global context of consumer lending to provide a contextualised view of the consumer lending market in China. Analysing the development of the consumer loan market in Europe, the United States and Japan, as these are the major economies in the world where consumer loans have taken an increasingly important role in day-to-day consumption and that provide an excellent benchmark for the analysis of the future development of the consumer loan market in China.

As we compare China with global competitors one can realize how fast this market has developed here, where this process that has been taking place for decades in other countries, is changing the financial market in China on a year to year scale, not decades. We can see an example of this when we compare China with the United States, where consumer loans began over two hundred years ago in the 19th century, a process that has taken 30 years in China, propelled by the growth of the economy, as well as the exceptionally fast adaptation and creation of new technology in China. China's consumer lending market here changes every year, not only in demand, but in laws that regulate this market and technology that facilitates and accelerates the use of loans, making this an exciting market that is full of development opportunities.

We place a strong focus on the analysis of the different players in the consumer finance market in China, analysing their development characteristics, their different platforms to offer consumer finance solutions and their integration into their business model, as well as a strength and weaknesses analysis of the platforms.

2017 Consumer Finance in China Report Details:

  • Pages: 28 (excluding cover/back pages)
  • Tables and charts: 21

Table of Contents:

  • Introduction
  • Consumer finance around the world
  • Consumer Lending in China
  • Consumer Finance Today
  • Typical Borrowers
  • Key Providers of Consumer Finance
  • Market Developments
  • Risk Control
  • The Future
  • Conclusions

Graphs and Charts:

  • China's Growing Domestic Consumption
  • Consumer Finance Scale Rising in the US
  • Consumer Credit Comparison for EU Countries 
  • Japanese Consumption Loan Trend
  • Channels for Consumer Finance Products
  • Chinese Consumption Keeps Growing
  • Internet Consumer Finance Development and Growth
  • Average Consumption Credit Per Capita by Country
  • National Savings Rate by Country
  • Consumer Finance Customer Trade-Off
  • Young Customers Are The Majority 
  • Consumer Finance Products by Category
  • Sunning Consumer Finance Consumption Loan Process
  • Jing Dong's Consumer Finance Platform Integration
  • Quarterly Active Users for JD's Online Platform
  • Chinese Consumer Finance Ecosystem Diagram
  • Strenghts and Weaknesses of Consumer Finance Companies
  • Top Internet Finance Loan Platforms in China
  • Segmented Potential Customer Base for Consumer Loans
  • Loan Application Data Flow

This report can be purchased online directly through the link above. If you would rather purchase it offline or if you are a financial institution, please email us This email address is being protected from spambots. You need JavaScript enabled to view it..Clients of Kapronasia's Asia Financial Advisory Service can download this report. 

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