China Retail Banking: Opportunities and Risks to 2023
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China’s total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a compound annual growth rate (CAGR) of 25.2% during 201418 to reach CNY37.8tn ($5.5tn). Credit card balances outstanding was the fastest-growing credit segment during the review period. However, as a result of stringent government regulations aimed at curbing rising household debt, total loan balances outstanding is expected to record a slower CAGR of 13.7% over 201923.
Based on our proprietary datasets, this report analyzes China’s lending market, with a focus on the consumer lending segment. The report discusses in detail the credit card, personal loan, and mortgage loan markets, covering market size, competitors’ market shares, and survey insights. The report also provides a market overview of the retail deposit segment. In addition, it covers the key digital disruptors in the country’s retail lending segment.
Scope
– Credit card balances outstanding in China recorded a high CAGR of 30.8% during 201418. To curb rising credit card debt, Chinese regulators are tightening lending criteria.
– The personal loan market in China recorded a CAGR of 20.9%, with banks being the preferred lender for personal loans.
– Residential mortgage loans in China increased at a significant CAGR of 24.8%, mainly due to high housing prices.
Reasons to Buy
– Make strategic decisions using top-level historic and forecast data on China’s retail lending industry.
– Identify the most promising lending segments.
– Receive detailed insights into lending in China, including consumer lending.
– Understand the changing market and competitive dynamics by learning about new competitors and recent deals in the retail lending space.
– Receive comprehensive coverage of the retail deposit market in China.
ICBC
Agricultural Bank of China
Bank of China
Bank of Communications
China Merchants Bank
China Citic Bank
Shanghai Pudong Development Bank
China Everbright Bank
China Minsheng Bank
HSBC (China)
Citibank (China)
Yongqianbao
QuantGroup
Yirendai
Zhejiang Zhongfeng Investment Management
Urumqi Fenghui Direct Lending
Central Huijin Investment
Hengfeng Bank
Cinda Investment
China Great Wall Asset Management
ICBC Financial Assets Investment
Bank of Jinzhou
JD Digits
Bertelsmann Asia Investments
Tencent Holdings
Linkfin Technology
Shenergy Group
United Overseas Bank
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