财富梦想,源于智慧共享
国培首页>国培图书>研究报告>2014年中国小微与互联网金融机构竞争格局分析报告

2014年中国小微与互联网金融机构竞争格局分析报告

小微与互联网金融机构深度融合指南
国培机构
2014年中国小微与互联网金融机构竞争格局分析报告

相关图书推荐

看了此书的用户还看了

  • 图书介绍
  • 图书评价(0)
  • 商品编码:201502051548034634
  • ISBN:
  • 出版社:
  • 开本:16开
  • 页数:0
  • 包装:
  • 出版时间:2014-03-25
  • 版次:
  • 印刷时间:2014-03-26
  • 印次:0
  • 用纸:
  • 品牌:

内容简介

国内首本小微与互联网金融行业报告!全方位解读运作模式及小微客户金融支持模式! 

本报告从小微与互联网金融行业概述、机构的运行分析、竞争格局分析及“2013年度中国小微金融与互联网金融评选”情况分析四个部分,对小微与互联网金融的发展环境、发展水平概况、商业模式、行业运行指标、区域发展差异、竞争格局、竞合模式等方面进行深入的阐述。并从发展潜力、商业模式、企业市场规模及风险控制能力四个大方面进行考核,遴选出2013年度最具活力与竞争力的机构,进行了小微与互联网金融行业首次深入的行业评奖,通过丰富、深入、真实的数据分析展现行业的真实发展水平,以供业内人士、监管机构及投资决策者参考。


报告背景

近年来,中国的普惠金融体系发展迅速,尤其是2013年互联网金融呈爆发式增长。从网络理财到网络购物,IT技术让金融无所不在。一种既不同于商业银行融资、也不同于资本市场融资的第三种金融融资模式,被我们称之为“互联网金融模式”。在这种模式下资金供需双方直接交易,可以达到与直接融资和间接融资一样的资源配置效率,同时大幅减少交易成本。小微金融机构亦纷纷“触网”,寻求业务创新,探索与互联网金融的“竞合”模式。

此外,随着中国(上海)自由贸易试验区正式挂牌成立,金融机构频繁谋求战略布局,围绕区内小微企业提供全产业链金融服务等研究不断。新型普惠金融业态动作频频,引起了党中央及社会各界的高度关注。中共十八届三中全会近期审议通过的《中共中央关于全面深化改革若干重大问题的决定》首次指出“大力发展普惠金融,鼓励金融创新,丰富金融市场层次。”

为引导中国小微金融、互联网金融等普惠金融业态良性发展,提升小微企业金融服务水平,促进小微企业健康发展,国培机构推出《2014年中国小微与互联网金融机构竞争格局分析报告》。


研究方法

1、调查问卷法

国培机构对各类涉及小微金融服务的机构设计调查问卷,通过线上线下两种方式发放和回收,然后进行分行业的数据整理。

2、深度访谈法

国培机构对小微与互联网金融机构进行独立的深度调研访谈,访谈对象为机构业务、风险控制方面的高层管理者。

3、座谈会

国培机构组织金融界人士、专家学者召开座谈会,就小微与互联网金融行业发展情况、风险点、问题和政策走向开展讨论。

4、文献法

收集从中央到地方的各层监管机构、相关行业协会、国内外相关报刊杂志的信息以及业内专家学者及研究单位等公布和提供的大量资料。

报告目录

第一部分行业概述···························································1

第一章中国小微与互联网金融行业发展环境····································1

第一节经济环境···························································1

一、经济增速·····························································1

二、通胀水平·····························································3

三、货币政策·····························································4

第二节政策环境···························································8

第二章中国小微金融发展概况···············································13

第一节小微金融服务体系的构成············································13

第二节小微金融市场份额··················································13

一、贷款规模增长情况····················································13

二、小微贷款占比增长情况·················································14

第三节小微金融格局概要··················································15

一、商业银行·····························································15

二、小额贷款公司·························································15

三、担保公司·····························································15

四、典当行·······························································16

第三章互联网金融模式分析·················································17

第一节互联网金融的六大模式················································17

一、第三方支付····························································17

二、P2P网络贷款平台······················································18

三、大数据金融····························································19

四、众筹··································································20

五、信息化金融机构························································21

六、互联网金融门户························································21

第二节国外互联网金融的典型企业与国内衍生品································22

一、余额宝································································22

二、P2P··································································23

三、供应链融资····························································24

第三节中国互联网金融······················································24

一、当前国内主要互联网金融模式············································24

二、中国互联网金融发展的优势和不足········································26

第二部分行业运行分析······················································28

第四章互联网金融下小额贷款公司全国整体运行状况···························28

第一节小额贷款公司行业规模··············································28

一、小额贷款行业整体规模增长情况·········································28

二、小额贷款行业公司数量增长与区域差异···································37

三、小额贷款行业实收资本增长情况与区域差异·······························39

四、小额贷款行业余额增长情况与区域差异···································40

第二节小额贷款行业经营环境···············································42

一、创新小额贷款服务体系·················································42

二、小额贷款公司行业评级的发展···········································43

三、小额贷款公司与中国人民银行征信系统···································43

第五章互联网金融下其他小微金融机构(担保、典当)全国整体运行状况···········44

第一节担保行业整顿情况···················································44

一、“银担合作”受到冲击··················································44

二、融资性担保机构洗牌加速···············································44

三、融资性担保行业四大风险···············································45

第二节融资性担保公司风险分析··············································45

一、融资性担保公司违规操作风险············································45

二、融资性担保机构的经营风险··············································46

三、国进民退风险··························································47

四、风控和代偿能力风险····················································48

五、拓展新业务引发的风险··················································48

第三节担保机构发展中遇到的困难············································49

一、实体经济增长乏力影响中小企业担保业务··································49

二、银行与民营担保公司业务合作缩紧········································49

三、行业洗牌加速,政策性担保机构与民营担保机构两极化明显··················49

四、行业定位不清,缺乏顶层设计···········································50

五、利率市场化对中小企业担保的影响·······································50

第四节担保行业扶持政策情况················································51

一、资金补助政策·························································51

二、营业税减免政策·······················································51

三、分析准备金所得税税前扣除政策·········································51

第五节融资性担保行业监管建议··············································51

一、突出监管重点,提升监管有效性·········································51

二、加强对行业内重要性机构的监管·········································52

三、按照规范要求,督促担保公司建立担保风险准备金制度·····················52

四、充分发挥融资性担保行业组织的服务功能,强化行业自律···················52

五、尽快建立担保公司市场退出机制,推动行业进一步发展·····················52

六、重视专业人才队伍建设,为企业发展提供强力支撑·························53

七、正确看待P2P平台与融资性担保公司的合作创新···························54

第六节担保行业规模情况····················································56

第七节典当行业政策发展情况················································58

一、实施分级监管·························································58

二、明确准入管理·························································58

三、严禁典当行违规融资参与股票炒作·······································58

四、严控股权变更及牌照倒卖···············································58

五、建立突发事件应急处理机制·············································59

第八节典当行业规模增长情况················································59

一、行业规模平稳增长······················································59

二、小型典当企业为行业主体··············································60

三、业务结构维持稳定······················································62

第三部分竞争格局分析······················································63

第六章互联网金融的竞争格局···············································63

第一节大数据模式——以阿里金融为代表的竞争格局分析·······················63

一、阿里金融概述·························································63

二、机构竞争战略分析·····················································63

三、机构产品竞争性分析···················································69

四、机构竞争优劣势分析···················································70

第二节 P2P网络借贷平台···················································73

一、行业发展概述·························································73

二、行业风险分析··························································77

三、典型案例分析·························································81

第三节众筹模式··························································88

一、众筹的概念···························································88

二、众筹的模式···························································88

三、众筹的风险···························································88

四、中国的众筹··························································90

第四节互联网金融超市····················································92

一、概述································································92

二、竞争优势····························································92

三、典型案例····························································92

第七章小微金融与互联网金融之间的竞争与合作关系····························94

第一节银行·······························································94

一、银行与互联网金融的竞争关系···········································94

二、互联网金融时代,银行业的发展模式与战略方向····························99

三、互联网金融时代,银行业的业务模式探索·································100

第二节小贷公司···························································103

一、小额贷款公司与互联网金融的潜在竞争关系·······························103

二、互联网金融时代,小额贷款公司发展新模式······························104

第三节其他机构··························································107

一、证券机构的互联网金融业务探索········································107

二、保险机构与互联网金融机构的合作模式···································110

第八章互联网金融下的小微金融产业链分析··································112

第一节从企业金融到产业链金融···········································112

一、传统金融面临的问题··················································112

二、克服“三难”:从传统金融到产业链金融···································113

三、开发产业链金融应注意的问题·········································115

第二节银行产业链金融业务发展············································116

一、传统融资方式与产业方式的比较········································116

二、银行产业链金融业务的意义及相关产品··································117

第三节传统小贷公司的产业链模式··········································119

一、白酒产业链——龙马兴达小额贷款公司··································119

二、零售供应链——友阿小额贷款公司·····································119

三、纺织产业链——信汇产融小额贷款公司··································120

四、制造业产业链——珠江小额贷款公司····································120

第四节互联网金融的供应链金融模式········································120

一、电商试水供应链金融初衷··············································120

二、电商金融服务各自的特点···············································121

三、打造全产业链模式····················································122

第五节产业链担保模式····················································123

一、产业链担保概念······················································123

二、“新希望”担保案例·····················································123

第四部分“2013年度中国小微金融与互联网金融评选”情况分析····················126

第九章理论分析····························································126

第一节行业评测及理论方法简析·············································126

第二节国际小微与互联网金融行业评测理念及方法·····························126

第三节国内小微与互联网金融行业调研方法及测评标准·························127

第十章小微及互联网金融机构评选体系及指标概况······························128

第一节评选概况··························································128

一、申报原则·····························································128

二、数据填报·····························································128

三、奖项设置·····························································128

四、评奖流程·····························································129

五、评选报名情况·························································129

第二节“2013年度最受信赖的小微企业金融服务提供商100强”评选指标概况·······129

一、企业规模相关评选指标概述·············································129

二、小微企业融资贡献·····················································130

三、风控与盈利能力·······················································130

第三节“2013年度中国互联网金融新锐企业”评选指标概况······················131

第十一章小微及互联网金融机构数据统计分析··································132

第一节“2013年度最受信赖的小微企业金融服务提供商100强”数据统计分析·········132

一、基本情况分析·························································132

二、企业规模指标分析····················································134

三、小微企业融资贡献程度指标分析·········································136

四、风控能力与盈利能力指标分析···········································138

第二节“2013年度中国互联网金融新锐企业”数据统计分析························142

一、基本情况分析·························································142

二、发展潜力指标分析·····················································143

三、企业市场规模指标分析·················································144

四、风险控制能力指标分析·················································148

附录·······································································149

一:评审委员会名单

二:“2013年度最受信赖的小微企业金融服务提供商100强”、“2013年度中国卓越小微金融家”、“2013年度中国互联网金融新锐企业”、“2013中国互联网金融年度新锐人物”详细名单

图表目录

图1-1 1995年-2013年GDP增长率折线图

图1-2 1985年-2012年5月18日金融机构存款准备金率调整示意图

图2-1 中国小微金融服务体系图

图4-1 全国小额贷款公司数量增长情况图(2008-2013年)

图4-2 全国小额贷款公司数量增速情况图(2009-2013年)

图4-3 全国小额贷款公司实收资本增长情况图(2010-2013年)

图4-4 全国小额贷款公司实收资本增幅情况图(2011-2013年)

图4-5 全国小额贷款公司贷款余额增长情况图(2009-2013年)

图4-6 全国小额贷款公司贷款余额增幅情况图(2010-2013年)

图4-7 全国小额贷款公司主营业务类型比例图

图4-8 小额贷款公司认为宣传新产品的有效方式统计比例图

图4-9 小额贷款公司认为小微企业贷款最需要关注的方面

图4-10 小额贷款公司认为小微企业融资困难的原因

图4-11 小额贷款公司行业认为加大对中小微企业的贷款支持自身需改进的方面

图4-12 小额贷款公司认为自身具备的竞争优势

图4-13 全国小额贷款公司从业人员数量图(2010-2013年)

图4-14 全国小额贷款公司从业人员增量图(2011-2013年)

图4-15 全国小额贷款公司发展增量比较图(2009-2013年)

图4-16 全国小额贷款公司平均员工数量比例图

图4-17 全国小额贷款公司员工平均年龄比例图

图4-18 全国各地区小额贷款公司数量排名(2010-2013年)

图4-19 全国各地区小额贷款公司数量分布(2011-2013年)

图4-20 全国各地区小额贷款公司数量增量分布图(2011-2012年)

图4-21 全国各地区小额贷款公司数量增量分布图(2013年)

图4-22 全国各地区小额贷款公司数量排名(2010-2013年)

图4-23 全国各地区小额贷款公司实收资本分布图(2011-2013年)

图4-24 全国各地区小额贷款公司贷款余额排名(2010-2013年)

图4-25 全国各地区小额贷款公司贷款余额比例分布图(2011-2012年)

图4-26 全国各地区小额贷款公司贷款余额比例分布图(2013年)

图4-27 全国各地区小额贷款公司贷款余额增量分布图(2012-2012年)

图4-28 全国各地区小额贷款公司贷款余额增量分布图(2013年)

图5-1 全国担保机构平均员工数量比例图

图5-2 全国担保行业员工平均年龄比例图

图5-3 全国典当机构数量变化图(2010-2013年6月年)

图5-4 全国典当机构规模增长情况图(2010-2013年)

图5-5 全国典当机构员工平均年龄比例图

图5-6 2012年全国典当机构按注册资本分类图

图5-7 2012年全国典当机构按典当总额分类图

图5-8 全国典当行业业务结构比较图(2011-2013年)

图6-1 阿里巴巴商业模式:平台搭平台

图6-2 阿里巴巴平台搭建模式

图6-3 拍拍贷使用流程

图6-4 宜信P2P业务交易增长率

图6-5 宜信P2P业务平均交易额度

图6-6 宜信P2P借款人职业分布图

图6-7 陆金所服务流程

图7-1 开鑫贷的信用保障体系

图8-1 供应链金融产品视图

图8-2 传统融资模式、供应链融资模式中银行与供应链成员关系

图8-2 传统融资模式、供应链融资模式中银行与供应链成员关系

图 8-3 “新希望”担保模式示意图

图8-4 “新希望”产业链担保模式四方收益图

图11-1小微企业金融服务提供机构注册资本金分布图

图11-2 小微企业金融服务提供机构员工人数分布图

图11-3 小微企业金融服务提供机构业务人员分布图

图11-4 小微企业金融服务提供机构2013年末总资产分布图

图11-5 小额贷款公司2013年末贷款余额分布图

图11-6小微企业金融服务提供机构2013年纳税总额分布图

图11-7小微企业金融服务提供机构2013年小微企业贷款(担保)累计交易笔数分布图

图11-8 小额贷款公司2013年平均每笔贷款金额分布图

图11-9 小微企业金融服务提供机构2013年业务可下沉系数分布图

图11-10 小额贷款公司2013年最大融资杠杆分布图

图11-11 小微企业金融服务提供机构2013年小微企业贷款(担保)逾期率分布图

图11-12 10家小额贷款公司2013年平均每笔贷款金额(单位:万元)

图11-13 10家小额贷款公司2013年小微企业贷款逾期率

图11-14 小额贷款公司风险准备金提取率分布图

图11-15 小微企业金融服务提供机构2013年总资产回报率分布图

图11-16 小微企业金融服务提供机构2013年相对贷款余额分布图

图11-17 申报机构商业模式统计图

图11-18申报机构注册资本金统计图

图11-19 申报机构员工人数统计图

图11-20 申报机构月均浏览次数(PV)统计图

图11-21申报机构月均独立访客(UV)统计图

图11-22申报机构2013年累计交易笔数统计图

图11-23 年度PV、UV与年度交易笔数之比

图11-24 申报机构2013年累计交易金额统计图

图11-25 申报机构2013年平均单笔交易金额统计图

图11-26 申报机构2013年客户数量统计图

图11-27 申报机构2013年单个客户平均交易金额

图11-28 申报机构2013年逾期率统计图

表1-1 1997-2014年中央经济工作会议定义的年度经济工作基调

表1-2 1995年-2013年GDP增长率

表1-3 2012年1月至2014年1月全国居民消费价格总水平CPI指数

表1-4 1985年-2012年5月18日金融机构存款准备金率调整示意图

表1-5 2013年出台关于小微与互联网金融行业发展的主要政策

表6-1 阿里巴巴三个平台上的信贷业务主要模式

表6-2 电子商务企业互联网金融产品对比

表6-3 部分倒闭平台汇总及其介绍

表8-1 传统融资方式和产业链金融融资方式对照表

表8-2 部分银行产业链金融融资类业务及产品一览表

国培机构微信
官方微信
400-650-8932
在线咨询
问题解答
咨询电话