2016 中 国 消 费 融 业 报 告 主 讲 : 张 建 梁 融 之 家 创 始 兼 CEO China Consumer Finance Industry Report
1 3 6 2 4 50
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PART1: 政 治 经 济 共 同 推 动 消 费 融 发 展
.GDP. 2015GDP676708 50.5% 50% 75% 100% GDP 100% 90% 90% 80% 70% 60% 45.31% 46.70% 47.84% 50.48% 80% 70% 60% 79.70% 78.20% 71.33% 50.48% 50% 50% 40% 30% 20% 10% 0% 45.27% 44.01% 43.10% 40.53% 9.42% 9.30% 9.06% 8.99% 2012 2013 2014 2015 40% 30% 20% 10% 0% 19.10% 21.10% 1.20% 0.70% 40.53% 27.47% 1.20% 8.99% GDP GDP GDP
.. 2015 30 95.0% 87.5% 84.9% 83.9% 83.2% 83.0% 83.1% 80.0% 72.5% 65.0% 62.8% 66.4% 57.5% 50.0% 56.5% 48.2% 51.6% 42.5% 35.0% 2011 2012 2013 2014 2015 2016 China Consumer Finance Industry Report 6
.. 2015 1293.9518.95 2016 19.4% 2015 3.9% 200000.0 180000.0 160000.0 140000.0 120000.0 100000.0 80000.0 60000.0 40000.0 20000.0 0.0 2015.01 2015.02 2015.03 2015.04 2015.05 2015.06 2015.07 2015.08 2015.09 2015.10 2015.11 2015.12 20.0% 19.5% 19.0% 18.5% 18.0% 17.5% 17.0% 2016 China Consumer Finance Industry Report 7
.. 201712% 100% 80% 60% 7.20% 9.20% 3.20% 80.40% 8.00% 10.90% 3.00% 78.10% 8.10% 14.20% 2.60% 75.10% 8.30% 15.20% 2.70% 73.80% 12.00% 15.20% 2.80% 70.00% 40% 20% 0% 2011 2012 2013 2014 2017
.. 2015 8.9 2. 2015 QuestMobile) 100000.0 90000.0 80000.0 70000.0 1.8% 23323.0-0.3% 22592.0 2.4% 24001.0 1.2% 24343.0-1.7% 22299.0 4% 3.9% 24550.0 26818.0 1.2% 0.5% 27088.0 26902.0 1.5% 1.5% 1.4% 27539.0 28086.0 28577.0 10.0% -10.0% 60000.0-30.0% 50000.0 40000.0-50.0% 30000.0 53903.0 54377.0 54790.0 55387.0 56056.0 56978.0 57863.0 58581.0 59155.0 59835.0 60570.0 61310.0 20000.0-70.0% 10000.0 0.0 1 2 3 4 5 6 7 8 9 10 11 12 IOS -90.0% 2016 China Consumer Finance Industry Report 9
.. 2011-2015 2011-2015 45000 70% 4 80% 40000 60% 3.5 70% 35000 30000 25000 20000 15000 10000 50% 40% 30% 20% 3 2.5 2 1.5 1 60% 50% 40% 30% 20% 5000 10% 0.5 10% 0 2011 2012 2013 2014 2015 0% 0 2011 2012 2013 2014 2015 0% CNNIC
.. 2009 8 13 2013 11 14 2015 6 10 2015 7 18 2016 3 5 2016 4 7 4 15 2016 China Consumer Finance Industry Report 11
PART2: 融 系 产 业 系 互 联 系 等 多 发 消 费 融 市 场
.. ABS P2P P2P 2016 China Consumer Finance Industry Report 13
.. 2016 China Consumer Finance Industry Report 14
.3. 2016 China Consumer Finance Industry Report 15
.. - - - 350 2000-50 100-20 1.4-1.75% 0.85% 10%( 4.7%-5.4% 0.5%) 12 24 36 12 24 36 6 12 24 36 4000,,, ; 2016 China Consumer Finance Industry Report 16
.. 15% 20152148% 12000 10000 10891 2015 8000 8074 6917 6000 5328.18 5328.18 4000 2000 0 4315 4140 3037.54 2833.34 2359 1998 1549.52 1156 781 389 230 121 2016 China Consumer Finance Industry Report 17
.. 1 2014 10 2 3 2016 China Consumer Finance Industry Report 18
.. 13 > > > > 2016 China Consumer Finance Industry Report 19
.. 01 07 02 Vision & Mission 06 05 04 Project 2016 China Consumer Finance Industry Report 20
.. 2016 China Consumer Finance Industry Report 21
.. 3 6 12 24 3 6 9 12 3 6 9 12 0.5% 3 6 9 12 2.5% 4.5% 6.5% 8.8% 0.658%-1% 0.03% 0.05% 0.1% 1.5 5 20 ( ) ( ) ( ) 2016 China Consumer Finance Industry Report 22
.. ABS 2016 China Consumer Finance Industry Report 23
PART3:消费金融必经的6个挑战分析 场景 获客 数据 控 资 催收
.. P2P 2016 China Consumer Finance Industry Report 25
.. 80 26.2%65% 35% + + 3 C 20-25 GPS 3C 3C 2016 China Consumer Finance Industry Report 26
.. + 2016 China Consumer Finance Industry Report 27
.. 360 + + + + + + + 2016 China Consumer Finance Industry Report 28
.. 6%-10% P2P 10.25% P2P 2%-3% ABS 3.6%-5% ABS ABS 2016 China Consumer Finance Industry Report 29
.. 2016 China Consumer Finance Industry Report 30
PART4:50 融 之 家 联 合 盈 灿 咨 询 重 磅 发 布
. 50. 2345 PPmoney 51 Welab Wecash 2016 China Consumer Finance Industry Report 32
. 50. 2345 50 P2P 50 2016 China Consumer Finance Industry Report 33
THANK YOU 2016 China Consumer Finance Industry Report 34