The latest trends and strategies on consumer credit and collections in the banking and finance industry
INTRODUCTION
The
recent economic growth in Asia Pacific has created vast consumer credit
opportunities. Currently, consumer credit accounts for 30% of total
system loans for Asia Pacific. The growth is expected to continue and
consumer credit accounts are expected to increase to 36% by 2010. Along
with the expected future growth, presently opportunities exist as well.
The current market size of the consumer credit business in Asia Pacific
is about $3.88 trillion, however the potential is around twice as much
and is estimated at $8 trillion.
DESCRIPTION OF THIS DOCUMENT
This
comprehensive report presents The Asian Banker findings and insights
derived from extensive study of consumer credit practices and trends in
the Asia Pacific region. The report highlights key forces shaping the
region�s consumer credit businesses until the end of the decade,
discusses core functional capabilities representative of a successful
consumer credit business, and addresses extant weaknesses in credit
collection and recovery operations.
- Heads of Consumer Banking, Consumer Analytics and Strategic Planning.
-
Regulatory bodies who wish to understand the consumer credit industry
in Asia Pacific as well as it’s various regulatory standards.
- Research analysts in financial institutions.
- Vendors and service providers targeting the financial services.
| Executive Summary |
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| Chapters 1. |
Market Structure and Contents |
|
| 1-1 |
Penetration of Consumer Lending Across Asia |
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| Chapters 2. |
Consumer Credit Composition and Segments |
|
| 2-1 |
Market Profile & Dynamics of Mortgage Business |
| 2-2 |
Market Profile & Dynamics of Credit Card Business |
| 2-3 |
Market Profile & Dynamics of Auto Lending |
| 2-4 |
Market Profile & Dynamics of Consumer Financing |
| 2-5 |
Assessment of the Sub-prime Segment |
| 2-6 |
Growth of Retail Financial Services Distribution Channels |
| 2-7 |
Current Credit Bureau Initiatives Across Asia Pacific |
| 2-8 |
Changing Regulatory Environment and its Impact |
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| Chapters 3. |
Consumer Credit: Assessing Capabilities & Challenges in the Marketing Process |
|
| 3-1 |
The Level of Marketing Sophistication in Asia Pacific Banks |
| 3-2 |
The Measurement of Marketing Success in Asia Pacific Banks |
| 3-3 |
The Marketing Process |
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| Chapters 4. |
Consumer Credit: Assessing Capabilities and Challenges in the Loan Origination Process |
|
| 4-1 |
Operational Challenges: Key Findings |
| 4-2 |
The Loan Origination Process |
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| Chapters 5. |
Consumer Credit: Assessing Capabilities & Challenges in the Customer & Account Management Process |
|
| 5-1 |
Challenges in the Customer Management Process in Asia Pacific Banks |
| 5-2 |
Assessing the Customer Data Modeling Capability of Asia Pacific Banks |
| 5-3 |
Assessing the Predictive Modeling Capability of Asia Pacific Banks |
| 5-4 |
Assessing the Account Automation Capability of Asia Pacific Banks |
| 5-5 |
The Customer & Account Management Process |
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| Chapter 6. |
Consumer Credit: Assessing Capabilities and Challenges in the Fraud Detection and Prevention Process |
|
| 6-1 |
Fraud Detection & Prevention Capability: Key Findings |
| 6-2 |
The Fraud Detection & Prevention Process |
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| Chapter 7. |
Credit Collection and Debt Recovery Operation: Tools and Strategies |
|
| 7-1 |
Debt Recovery Overview |
| 7-2 |
Planning and Strategising |
| 7-3 |
Tactical Level Analysis |
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| Chapter 8. |
Consumer Credit Report Conclusion |
|
| 8-1 |
Nature and Size of Potential Consumer Credit Business |
| 8-2 |
Critical Success Factors | |
