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Asia Pacific Consumer Credit Industry: Outlook and Opportunities Assessment 2007-2008
The Asian Banker, Oct 2007, Pages: 45
The most comprehensive profile and outlook comprising qualitative and quantitative research for the consumer credit industry in the Asia Pacific
INTRODUCTION
The consumer credit industry in the Asia Pacific has grown out of its infancy state in the last six years, and many players have gone through steep learning curves. More mature markets have mastered the transactional aspect of consumer banking and are now undergoing a paradigm shift. However, for many emerging markets, the play is still a volume and acquisition game. Regardless, the potential for the industry going forward is huge. With rising household wealth and a bankable population growing by 30 million annually projected until the end of this decade, consumer credit will come into the region in a way not even imagined today.
Report Highlights:
On average, consumer credit contributes currently 33% to total income, with most banks intending to expand their portfolios by end of this decade. This undertaking will not be without pain or hiccoughs. Risk appetites across markets are increasing and delinquency rates are on the rise. The fallouts from the payment cards crises in South Korea in 2003/04 and Taiwan in 2006/07 indicate that banks are prone to relaxing underwriting guidelines with intensified competition. In other instances, players face tighter regulatory environments in consumer credit issuance.
This report presents The Asian Banker?s view on the key forces shaping consumer credit from the present until the end of the decade by providing an overview of the risk management and analytical capabilities of consumer credit players, regulatory changes and potential dynamics in specific consumer credit lines. It captures all the numbers exemplifying the state-of-play in the consumer credit industry across the key business lines in mortgages, credit cards, automobile lending and consumer finance. The report also makes important and informed predictions for growth based on extensive primary engagement with the retail banking industry across 13 markets (Singapore, Malaysia, Indonesia, India, Vietnam, Thailand, Philippines, China, Hong Kong, Taiwan, Korea, Japan and Australia) in the region with sound insights.
Reasons to purchase:
- Gain access to the latest forecasting data and market sizing for the consumer credit market to place your performance in context to the market. It provides you with a thorough understanding of the consumer credit market and discusses where the opportunities lie.
- The expert opinion of our research team on the future of each business type is a definite guide for building up your strategies.
- The market profiles of consumer credit business covered provide you with valuable information on winning strategies.
- Gain insight into how your competitors are responding to the various issues facing the unsecured lending sector.
Who is the report for:
This report is essential reading for Heads of Consumer Banking, Heads of Consumer Analytics, Heads of Strategic Planning and Regulators who wish to understand the consumer credit industry in the Asia Pacific as well as its various regulatory standards, related technology Vendors and Consulting firms.
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