Credit Card Market in China 2011

  • NET3245358
  • 50 Pages
  • September 2011
  • BFSI
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The credit card market in China has been registering robust growth due to rising urbanization as well as the growth in the middle class population culminating into a large number of users. Growing acceptance of online purchase has further boosted the market. Changes in government regulations towards preventing the misuse of credit cards are other factors that are expected to create a more competitive market as players look to venture into China.

The report begins with an introduction to credit cards as a medium of payment as well as offers timeline with respect to the evolution of credit cards in the China market. This is followed by an overview of the global credit card market providing segmented share across brands. The section provides information about the market size and growth as well as the rise in the total number of bank cards issued in China. This is followed by figures for growth in credit card turnover, consumer spending via credit card as well as the growth in rise in pretax profit per credit card. The card payment cycle depicts the various payment systems including data processing as well as financial settlement. Traditional stakeholders in the card payment cycle as well as the participants in the card payment cycle have been highlighted.

Market growth drivers include the huge population base and accelerating urbanization, China's young population, rising middle class and increasing income, changing lifestyle and rising acceptance of credit cards as a mode of payment and rise in online payments. The major barriers that the market faces include savings oriented consumer base, bad debt which is continually on the rise, the misuse of credit cards, foreign entrants facing difficulties while looking to expand in the Chinese credit card market and the emergence of alternative mode of payments.

Trends in the market include further outsourcing of non-core businesses, introduction of the EMV payment standard cards, technological innovation in the form of contactless credit cards, Octopus cards and management via consumer management systems. The government has also been considering policy towards creating a growing market. Initiatives highlighted in the report include new measures to protect the credit card holders, strict consequences faced for violation, China Banking Regulatory Commission updating credit card rules to prevent credit card misuse.

The competition section outlays the competitive landscape of the market in China and covers the domestic and foreign players existing in the market. This section provides the market share of players in the credit card transaction process market as well as outlays comparison for the transaction process structure. It includes information regarding the loans and advances on credit cards as well as the number of credit cards in circulation for the major participants in the market. A matrix covers the types of credit cards issued by players. The report also features brief profiles of major domestic and foreign players in the market and a snapshot of their corporation, financial performance and business highlights, providing an insight into the existing competitive scenario. The report concludes with a key takeaway section and key recent developments.

Page 1: Executive Summary


Page 2: Introduction - Credit Cards

Page 3: Timeline - Evolution of credit cards in China

Market Overview

Page 4: Global Credit Card Market - Overview, Share of Credit Cards in Global Market (2009), Global Market Share of the Credit Card Brands

Page 5-6: China Credit Card Market - Market Overview, Market Size and Growth of Credit Cards, Rise in Total Bank Cards Issued in China (2009-10), Growth in Credit Card Turnover (2009-10), Rise in Consumer Credit Card Spending (2009-10), Rise in Pretax Profit per Credit Card (2010-25e), Total Credit & Debit Card Transactions

(2008 - Country-wise)

Card Payment Cycle

Page 7: Payment Systems

Page 8-10: Stakeholders in the Card Payments Cycle

Page 11: Participants in the Electronic Payments Cycle

Drivers & Challenges

Page 12: Summary

Page 13-19: Drivers

Page 20-24: Challenges


Page 24: Summary

Page 25-30: Key Trends

Government Initiatives

Page 31-32: Major Initiatives


Page 33-34: Overview - Introduction, Credit Card Transaction Processor Market Share, Transaction Processor Structure Comparison, Loans and Advances on Credit Cards, No. of Credit cards in Circulation across Players

Page 35: Product Matrix

Page 36-41: Major Transaction Processors - Profile

Page 42-48: Major Domestic Banks - Profile

Key Developments

Page 49: Major Developments

Key Takeaways

Page 50: Key Takeaways

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