中国の銀行部門(2007-2011)

Abstract

The report "China Banking Sector (2007-2011)" by RNCOS provides an extensive research on the booming banking industry of the fast growing China. The report talks about the various aspects of banking industry in the country, like industry performance, banking services, product quality, growth opportunities, and future prospects.

The forecast given in this report is not based on a complex economic model, but is intended as a rough guide to the direction in which the market is likely to move. Rather, industry' s past performance and effect of growth fuelling forces on it have been taken into account to judge the future course of direction of the industry.

The report also covers a complete analysis of types of banks in China. Apart from that, the market for debit and credit cards, ATMs, assets, and liabilities of the China' s banking industry, coupled with their future prospects is also discussed in the report.

Market Analysis

As an important component to the country' s overall economic system, the China' s banking industry has seen rapid growth in line with the economic development of the People' s Republic of China (PRC). Banks have historically been, and continue to be, a significant source of capital for the economy and the primary choice for domestic savings. The Chinese banking sector comprises broad categories of banking institutions, namely joint stock commercial banks, urban commercial banks, urban credit cooperatives, rural credit cooperatives, foreign-invested commercial banks and other financial institutions.

As of the year 2006 end, the total assets of the China' s banking sector amounted to Yuan 43.95 Trillion (US$ 5.812 Trillion), an increase of Yuan 16.31 Trillion (US$ 2.16 Trillion) from 2003. During the same period, the total liabilities of the banking sector reached Yuan 41.71 Trillion (US$ 5.516 Trillion), an increase of Yuan 15.14 Trillion (US$ 2.0 Trillion).

All the market values have been converted to US$ at August 2007 exchange rate, where US$ 1 = Yuan 7.56150 or Yuan 1 = US$ 0.132249.

Key Findings of the Report

• The Chinese government will issue fresh licenses to financial institutions for managing corporate pension fund. At the end of 2006, the corporate pension fund industry of China was recorded at Yuan 91 Billion (US$ 12.0 Billion).
• New opportunities for the Chinese banking sector lies in the debit and credit card industry and rural banking services since the government is supporting these in a major way.
• Housing loan of the Chinese banking sector is growing with a CAGR of 19.86% for the time period 2004-2006.
• The retail e-commerce sales of China are anticipated to increase at a CAGR of 17.45% from 2006 to 2010.
• Bankable household of China is expected to grow with a CAGR of 29.23% during the timeframe 2007-2011.

Key Issues & Facts

• What were the total deposits of Chinese banking institutions from 2003-2006?
• Where does the total loans of Chinese banking institutions stood during 2003-2006?
• What is the status of Chinese rural banking services in terms of lending and government support?
• What was the Capital Adequacy Ratio of Chinese banks from 2003-2006?
• Mobile banking as the future of Chinese banking sector.

Key Players

The key players section analyses different banking players operating in the market and gives their business description and key financial information. It includes Industrial & Commercial Bank of China, Agricultural Bank of China, China Construction Bank and China Merchants Bank Co. Ltd.

Research Methodology Used

Information Sources

Information has been sourced from various credible sources namely, books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis Method

The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.

Table of Contents

1. Analyst View

2. China Banking Industry Overview

• 2.1 Types of Bank
  • 2.1.1 State-owned Commercial Banks (SOCBs)
  • 2.1.2 Joint-Stock Commercial Banks (JSCBs)
  • 2.1.3 Rural Credit Cooperatives
  • 2.1.4 Foreign Banks
  • 2.1.5 Other Banks & Financial Institutions

3. China Banking Industry Performance

• 3.1 Banking Assets & Liabilities
• 3.2 Pre-Tax Profits of Banking Institutions
• 3.3 Capital Adequacy Ratio (CAR)
• 3.4 Capital Funding Sources
• 3.5 By Product
  • 3.5.1 Deposits
  • 3.5.2 Loans
  • 3.5.3 Bank Cards
    • 3.5.3.1 Debit Card
    • 3.5.3.2 Credit Card
    • 3.5.3.3 Profitability
  • 3.5.4 ATM
• 3.6 Rural Banking Services
• 3.7 Banking & IT Market

4. Industry Analysis

• 4.1 Drivers
  • 4.1.1 Growing Middle Class Population
  • 4.1.2 Lending to Small Enterprises
  • 4.1.3 Declining Non Performing Loans (NPLs)
  • 4.1.4 Housing Loans
  • 4.1.5 Government Support
    • 4.1.5.1 Debit & Credit Card Industry
    • 4.1.5.2 Rural Banking Services
• 4.2 Opportunities
  • 4.2.1 Increasing Bankable Households
  • 4.2.2 Credit Card Spending
  • 4.2.3 Online Payment
  • 4.2.4 Second Batch of Corporate Pension Fund Nod Likely for Banks
  • 4.2.5 Bancassurance
  • 4.2.6 Mobile Banking
• 4.3 Challenges
  • 4.3.1 Bad Debt Auto Loans
  • 4.3.2 Banking Crimes
  • 4.3.3 Increasing Level of Liquidity
  • 4.3.4 Customer Retention
  • 4.3.5 Overheated Economy

5. Future Outlook (2007-2011)

6. Key Players

• 6.1 Industrial & Commercial Bank of China
• 6.2 Agricultural Bank of China
• 6.3 Bank of China Limited
• 6.4 China Construction Bank
• 6.5 China Merchants Bank Co., Ltd.

List of Figures:

• Figure 2-1: China - Assets & Liabilities of State-owned Commercial Banks (in Trillion Yuan), 2003-2006
• Figure 2-2: China - Assets & Liabilities of Joint-Stock Commercial Banks (in Trillion Yuan), 2003-2006
• Figure 2-3: China - Number of Business Offices of Foreign Banks (2003-2006)
• Figure 3-1: China - Assets & Liabilities of Banking Institutions (in Trillion Yuan) 2003-2006
• Figure 3-2: China - Capital Adequacy Ratios of Major Commercial Banks (2003-2006)
• Figure 3-3: China - Capital Funding Sources of Major Commercial Banks (in Billion Yuan), 2006
• Figure 3-4: China - Savings & Enterprise Deposits of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-5: China - Trust & Other Deposits of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-6: China - Short-term Loans of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-7: China - Medium & Long-term Loans of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-8: China - Trust Loans of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-9: China - Bill Financing & Other Loans of Banking Institutions (in Trillion Yuan), 2003-2006
• Figure 3-10: China - Number of Debit Cards (in Million), 2003-2006E
• Figure 3-11: China - Number of Credit Cards (in Million), 2005 & 2006
• Figure 3-12: China - Number of ATM Outlets (2003-2006)
• Figure 3-13: China - Rural Lending by RCI, ABC & CADB (in Trillion Yuan), 2005 & 2006E
• Figure 3-14: China - Banking IT Market for Core Banking Solutions Excluding Hardware (in Million Yuan), 2005 & 2006E
• Figure 4-1: China - Middle Class Population (in Million), 2007 & 2020F
• Figure 4-2: China - Small Enterprises Lending by Banking Institutions (in Billion Yuan), 2005 & 2006
• Figure 4-3: China - Non-Performing Loans of Banking Institutions (in Trillion Yuan) 2003-2006
• Figure 4-4: China - Housing Loans of Banking Institutions (in Trillion Yuan), 2004-2006 & March 2007
• Figure 4-5: China - Forecast for Housing Loans of Banking Institutions (in Trillion Yuan), 2007-2010
• Figure 4-6: China - Forecast for Number of Bankable Households (in ‘000), 2007-2011
• Figure 4-7: China - Forecast for Number of Credit Cards (in Million), 2007-2010
• Figure 4-8: China - Credit Card Spending (in Billion Yuan), 2006-2010F
• Figure 4-9: China - Sales of Retail E-Commerce (in Million US$), 2006-2010F
• Figure 4-10: China - Share of Professional Investors in Corporate Pension Fund (%), 2006
• Figure 4-11: China - Sales of Bancassurance (in Million Yuan), 2000 & 2006
• Figure 4-12: China - Number of Mobile & Internet Users (in Million), June 2007 & 2010F
• Figure 4-13: China - Number of Criminal Cases Reported in Banking Institutions (2005 & 2006)
• Figure 4-14: China - Loan to GDP Percentage (2001-2006)
• Figure 5-1: China - Forecast for Assets of Banking Institutions (in Trillion Yuan), 2007-2011
• Figure 5-2: China - Forecast for Liabilities of Banking Institutions (in Trillion Yuan), 2007-2011
• Figure 5-3: China - Forecast for Deposits of Banking Institutions (in Trillion Yuan), 2007-2011
• Figure 5-4: China - Forecast for Loans of Banking Institutions (in Trillion Yuan), 2007-2011
• Figure 5-5: China - Forecast for Number of ATM Outlets (2010 & 2014)

List of Tables:

• Table 2-1: China - Assets & Liabilities of Rural Financial Institutions (in Trillion Yuan), 2003-2006
• Table 2-2: China - Assets & Liabilities of Other Banks & Financial Institutions (in Trillion Yuan), 2003-2006
• Table 3-1: China - Pre-Tax Profits of Banking Institutions (in Million Yuan), 2003-2006
• Table 6-1: Industrial & Commercial Bank of China - Key Financials (in Million Yuan), 2003-2006
• Table 6-2: Agricultural Bank of China - Key Financials (in Million Yuan), 2005 & 2006
• Table 6-3: Bank of China Limited - Key Financials (in Million Yuan), 2003-2006
• Table 6-4: China Construction Bank - Key Financials (in Million Yuan), 2002-2006
• Table 6-5: China Merchants Bank Co., Ltd. - Key Financials (2002-2006)