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关于“新金融”的报告

本报告研究涉及企业/品牌/案例:e互助、相互宝。

在国家政策的支持下,中国网络互助行业不断发展,逐渐成为医疗保障的有益补充。2019年中国网络互助行业救助总人数规模超过3万人,行业救助总金额超50亿元。截至2019年年底,中国网络互助覆盖人数达1.5亿人,预计2020年中国网络互助覆盖率达17.8%,2022年网络互助覆盖人数达有望达到3.9亿,覆盖率将达27.8%。通过网络互助平台的对比,结果显示,相较于报销型和综合型平台,给付型和聚焦型平台在人均互助金、获助比例等方面更具优势,e互助综合能力领先各平台。目前没有发现网络互助行业的规模效应,平台会员分摊未来有望保持平稳发展。未来中国网络互助将进入繁荣发展期,有望成为“国民级”产品,专业化运营与风险管控将成平台重点发展方向,行业也将从同质化到募集效率、金额的差异化发展。

With the support of national policies, China's network mutual assistance industry has continued to develop and has gradually become a useful supplement to medical security. In 2019, the total number of people assisted by China's network mutual assistance industry exceeded 30,000, and the total amount of industry assistance exceeded 5 billion yuan. At the end of 2019, the number of people covered by China's network mutual assistance reached 150 million. It is estimated that the coverage rate of China's network mutual assistance will reach 17.8% in 2020, and the number of network mutual assistance coverage is expected to reach 390 million in 2022, with a coverage rate of 27.8%. Through the comparison of network mutual assistance platforms, the results show that, compared with reimbursement and integrated platforms, payment and focused platforms have more advantages in terms of per capita mutual assistance, the proportion of assistance and so on. Besides, the comprehensive ability of “E HUAZHU” leads all platforms. At present, the scale effect of the network mutual assistance industry has not been found, and the platform members are expected to maintain stable spending in the future. In the future, China's network mutual assistance will enter a period of prosperity and development, and it is expected to become a "national-level" product. Professional operation and risk management will become the key development direction of the platforms. The industry will also develop from homogeneity to differentiated development in raising efficiency and amount.

本报告研究涉及企业/品牌/案例:华为钱包、美团支付。

随着数字化转型的加速和移动支付技术的发展创新,移动支付逐渐成为社会主流支付模式。数据显示,2019年中国移动支付用户规模为7.33亿人,市场渗透率不断加大,预计2020年规模将达7.90亿人。在新冠疫情的影响下,中国移动支付交易规模增速明显下降,2020年第一季度交易规模为90.8万亿元,同比增速4.8%,但长期来看消费服务线上化将促进规模持续增长。iiMedia Research(艾媒咨询)数据显示,中国移动支付平台用户最常使用移动支付平台的三个场景分别为餐饮消费、小型实体店/便利店消费和电商平台网购,移动支付场景呈现细分多元化发展。在选择移动支付平台时,62.4%的用户优先考虑支付便捷性,提供高效便捷的服务成为移动支付平台发展的关键。

With the acceleration of digital transformation and the development and innovation of mobile payment technology, mobile payment has gradually become the mainstream payment mode in society. Data shows that in 2019, the scale of mobile payment users in China was 733 million, and the market penetration rate is increasing. It is expected that the scale will reach 790 million in 2020. Under the influence of the COVID-19, the growth rate of China mobile payment transaction scale has dropped significantly. In the first quarter of 2020, the transaction scale was 90.8 trillion yuan, with a year-on-year growth rate of 4.8%, but in the long run, consumption and services to online will promote continuous growth in scale. As the data of iiMedia Research showed, the three most common payment scenarios of China mobile payment platform users are catering consumption, small physical store/convenience store consumption, and online shopping on e-commerce platforms. The mobile payment scenario presents a segmented and diversified development. When choosing a mobile payment platform, 62.4% of users give priority to payment convenience. Providing efficient and convenient services has become the key to the mobile payment platforms development.

本报告研究涉及企业/品牌/案例:支付宝、PayPal、拉卡拉、Square。

中美第三方支付产业主要由转接清算组织、账户侧支付机构、收单侧支付机构以及软硬件供应商构成,产业规模效应明显,部分环节已经形成寡头竞争甚至垄断格局。受制于监管政策以及市场成熟度的影响,中美第三方支付产业在账户侧市场以及收单侧市场的差异尤为明显。技术创新助推移动支付成为市场主流,2019年中美移动支付用户规模分别为7.33亿人和0.64亿人,市场渗透率相差较大。中国移动支付在账户侧市场已经形成寡头存量争夺局面,需要靠扩大场景覆盖以及业务创新来驱动发展;美国移动支付账户侧市场发展较慢仍处于扩张阶段。在收单侧市场,具备长尾效应的中小商户成为中美收单侧支付机构争夺的焦点,围绕支付业务向商户提供一站式支付解决方案是未来趋势。艾媒咨询分析师认为,在全球数字化发展的浪潮中,支付机构的赋能作用以及价值创造能力将进一步提升,尤其在商户服务领域,围绕支付业务打造闭环服务生态具有巨大增长潜力,以Square和拉卡拉为代表的先行者发展前景广阔。

The third-party payment industries in China and in the United States are mainly composed of payment and settlement organizations, account-side payment institutions, acquirer-side payment institutions, and software and hardware suppliers. The industry scale effect is obvious, and oligopoly and even monopoly have appeared in some links of the industry. Due to the influence of regulatory policies and market maturity, the differences between the Chinese and American third-party payment industries in the account-side market and the acquiring-side market are particularly obvious. Technological innovation has promoted mobile payment to become the mainstream of the market. In 2019, the scales of mobile payment users in China and in the United States were 733 million and 64 million, and the market penetration rate is quite different. Oligopoly has already appeared in China's mobile payment in the account-side market, and Chinese market needs to rely on expanding scenario coverage and business innovation to drive development; the US mobile payment account-side market is slow to develop and is still in the expansion stage. In the acquiring-side market, small and medium-sized merchants with long-tail effects have become the focus of competition among Chinese and American acquiring-side payment institutions. It is the future trend to provide merchants with one-stop payment solutions around payment services. iiMedia Consulting analyst believes that in the wave of global digital development, the enabling role and value creation capabilities of payment institutions will be further improved, especially in the field of merchant services. Building a closed-loop service ecosystem around payment businesses has huge growth potential. The pioneers represented by Lakala and Square has broad prospects for development.

本报告研究涉及企业/品牌/案例:广东凯迪服饰有限公司、深圳市佰维存储科技股份有限公司。

全球疫情蔓延、贸易保护主义等因素导致全球经济面临下滑风险,跨境贸易和投资活动急剧萎缩,中国外贸企业环境恶化。2020年上半年,中国出口10987.5亿美元,同比下降6.2%,其中服装、机械设备出口降幅跌破16%,成为重创程度较大的行业。于是,各省份纷纷出台关于出口转内销的内循环经济的针对性政策措施,从政策层面助力外贸企业渡过危机。但是,当前出口企业发展内销模式仍存在生产线转向难、销售渠道不畅、国内外市场需求痛点不同和缺乏品牌化优势等问题,外贸企业必须进行相应的调整。

The spread of global epidemic and trade protectionism have caused the global economy to face the risk of decline, the cross-border trade and investment activities have shrunk sharply, and the environment of Chinese foreign trade enterprises has deteriorated. In the first half of 2020, China's exports reached US$ 1,098.75 billion, down 6.2% year-on-year, among which the export of clothing and machinery and equipment fell below 16%, making it a severely damaged industry. As a result, various provinces have issued targeted policies and measures on the internal circular economy from export to domestic sales, helping foreign trade enterprises to tide over the crisis from the policy level. However, there are still some problems in the domestic sales model of export enterprises, such as difficult production line turning, unsmooth sales channels, different pain points in domestic and foreign markets, and lack of brand advantages. Foreign trade enterprises must make corresponding adjustments.

本报告研究涉及企业/品牌/案例:支付宝,微信支付,苏宁支付;其他提及企业/品牌:拉卡拉,中国银行,工商银行,中国农行,中国建行,招商银行,交通银行,中国邮政储蓄银行,平安银行,刷脸支付

iiMedia Research(艾媒咨询)数据显示,中国移动支付交易规模在2019年第三季度已经达到252.2万亿元,用户规模在年底预计超过7.3亿人,覆盖更多层级的用户,全国普及程度持续提高。中国移动支付行业正在往标准化和规范化发展,市场竞争加剧。随着人脸技术的成熟,刷脸支付加快普及,iiMedia Research(艾媒咨询)数据显示,预计到2019年刷脸支付用户规模将会达到1.18亿人。未来移动支付行业会更加规范化,市场逐渐下沉,细分化的支付场景和多元盈利模式将会成为移动支付行业新的发展入口。

As the data of iiMedia Research showed, the scale of China's mobile payment transactions has reached 252.2 trillion yuan in the third quarter of 2019, and the number of users is expected to exceed 730 million by the end of the year. The popularity of mobile payment in China is increasing and covering more levels of users. China's mobile payment industry is becoming more standardized, and market competition is intensifying. With the development of face perception technology, the popularity of face payment has increased, according to iiMedia Research by 2019, the number of face brush payment users will reach 118 million. In the future, the mobile payment industry will become more standardized and go towards to the market sinking. Segmented payment scenarios and diversified profit models will become the new development opporunity of the mobile payment industry.

本报告研究涉及企业/品牌/案例:相互宝,蚂蚁金服,水滴互助,腾讯,康爱公社,e互助,众托帮,壁虎互助,夸克联盟,360,滴滴,苏宁易购,美团,京东,百度,支付宝

iiMedia Research(艾媒咨询)数据显示,近八成的网络互助参与者对网络互助计划表示满意,仅有1.7%的参与者表示比较不满意。网络互助的出现,为低收入家庭提供健康保障,缓解因患重病带来的经济压力,另一方面也能一定程度上满足精神需求,互联网巨头纷纷入局网络互助行业,用户规模不断扩大。
目前中国商业保险覆盖率较低,社会医保在赔付金额和覆盖疾病类型上又未能达到商业保险的规模,居民的普惠保障需求旺盛,网络互助产品凭借低门槛和公益性逐渐获得下沉市场的青睐。且随着政府监管的趋严、企业积极创新,网络互助行业迎来新的高速发展期。iiMedia Research(艾媒咨询)数据显示,95.2%的网络互助参与者月均支付金额低于10元,参与者满意程度高。网络互助产品一方面为需求人群提供低成本的医疗保障;另一方面,互助的形式也满足帮助他人的精神追求。网络互助的低门槛、低成本特点,使其能够对下沉城市和更多低收入人群实现覆盖,逐渐成为群众医疗保障重要一环。
At present, the coverage rate of commercial insurance is relatively low in China, and the scale of social medical insurance fails to reach the scale of commercial insurance in terms of compensation amount and types of diseases covered. Residents have a strong demand for mass medical security, and online mutual assistance products gradually win favor in the sinking market due to the low threshold and public welfare. Moreover, with the government's stricter regulation and enterprises' active innovation, the online mutual assistance industry has ushered in a new period of high-speed development. As the data of iiMedia Research showed, 95.2 percent of online mutual assistance participants paid less than 10 yuan per month on average, with high satisfaction. On the one hand, online mutual assistance products can provide low-cost medical security for people in need. On the other hand, the form of mutual assistance also satisfies the spiritual pursuit of helping others. With the characteristics of low threshold and low cost, network mutual assistance can cover sinking cities and more low-income groups, and gradually become an important part of mass medical security.
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本报告研究设计企业/品牌/案例:支付宝

2019年上半年移动支付交易规模达166.1万亿,在移动支付市场规模逐渐扩大以及人脸识别技术发展渐趋成熟的背景下,刷脸支付开始崭露头角。iiMedia Research(艾媒咨询)数据显示,预计2022年中国刷脸支付用户规模将超7.6亿人。刷脸支付的发展以及普及,对于用户、商家以及社会有着重要价值。对于用户而言,刷脸支付省时、便捷、体验好和能实现信息与交易安全保障。iiMedia Research(艾媒咨询)数据显示,受访用户对在流程耗时、便利程度、支付体验、交易安全和信息安全五个方面对刷脸支付的满意度分别为8.1、7.3、7.3、7.1和7.0,高于其他非现金支付方式的满意度。对于商家来说,刷脸支付赋能商家的经营发展,帮助他们改善排队效率、提高顾客好评率、提高竞争力和增加客流。九成的受访商家认可接入刷脸支付后,顾客排队效率和顾客好评的提升。刷脸支付的发展同时也带动着上下游产业的发展,促进硬件制造商、传感器制造商等新产业新职业就业的发展,为社会带来巨大价值。

In the first half of 2019, the transaction scale of mobile payment reached 166.1 trillion yuan. In the context of the gradual expansion of the mobile payment market and the gradual maturity of face recognition technology, the face-scanning payment has begun to emerge. As the data of iiMedia Research showed, it is estimated that the scale of users of face-scanning payment in China will exceed 760 million in 2022. The development and popularity of face-scanning payment is of great value to users, corporate and society. For the user, the face-scanning payment saves time, is convenient, and ensures information and transaction security. As the data of iiMedia Research showed, the respondents' satisfaction with the face-scanning payment in terms of spending time, convenience, payment experience, transaction security and information security are 8.1, 7.3, 7.3, 7.1 and 7.0, higher than other non-cash payment methods. For merchants, the face-scanning payment empowers their management, helping them improve queue efficiency, improve customer feedback, improve competitiveness and increase customer flow. Ninety percent of the surveyed merchants recognized the increase in customer queuing efficiency and customer praise after accessing the face-scanning payment. The development of the face-scanning payment also drives the development of upstream and downstream industries, and promotes the development of new occupations and employment in new industries such as hardware manufacturers and sensor manufacturers, bringing great value to the society.

本报告研究涉及企业/品牌/案例:车白条,易鑫车贷,中国平安,微贷网,宜车贷,好车贷,大搜车,汽车之家,中国银行,京东

iiMedia Research(艾媒咨询)数据显示,2020年中国互联网汽车金融市场规模将超5600亿元。在利好的宏观环境和更趋规范化的市场条件下,汽车金融市场发展前景乐观,但与此同时,互联网汽车金融行业也面临着产品落地难等诸多挑战。
随着人们生活水平和消费水平的提高、互联网的发展,加上新能源汽车产业的崛起,互联网汽车金融行业步入了快速增长阶段,未来将有更多的互联网平台入局。iiMedia Research(艾媒咨询)数据显示,预计在2020年,中国中国互联网汽车金融市场规模将达到5600亿元。此外,八成计划购车网民有使用互联网汽车金融产品的意愿。54.3%的用户对互联网汽车金融产品表示信任,存在隐性收费、审核及放宽效率低是潜在用户最顾虑的因素。在汽车金融互联网化发展的必然趋势下,企业品牌建设是未来竞争发展的关键。
With the improvement of people's living standard and consumption level, the development of the Internet, and the rise of the new energy automobile industry, the Internet auto finance industry has entered a stage of rapid growth, and more Internet platforms will be introduced in the future. As the data of iiMedia Research showed, China's Internet auto finance market is expected to reach 560 billion yuan by 2020. In addition, 80% of Internet users who plan to buy cars are willing to use Internet auto financing products. 54.3 percent of the users expressed trust in Internet auto financing products, and the most worrying factor for potential users was hidden fees, the low efficiency of auditing and relaxation. Under the inevitable trend of Internet development of auto finance, enterprise brand construction is the key to future competition and development.

本报告研究涉及企业/案例/品牌:拉卡拉,苏宁支付,易宝支付,银联商务,通联支付,瑞银信,随行付,银盛支付

iiMedia Research(艾媒咨询)数据显示,2018年中国实有各类市场主体11020万户,其中个体工商户规模超7000万户,庞大的企业市场主体催生了支付机构服务B端的巨大市场。而针对B端支付的业务中,收单业务成为第三方B端支付企业重点挖掘的对象。截至2019上半年,中国联网POS机已达3287.3万台,每万人对应POS机235.6台。小微商户除了收单业务外,对于营销、财务管理等服务也具有较高的使用需求。iiMedia Research(艾媒咨询)数据显示,85.4%的受访商户表示会关注第三方支付平台增值服务的提供情况。但受限于经营体量,它们难以开发相关业务系统或寻找适合的服务渠道。而第三方B端支付平台也开始以支付为切口,为小微商户提供增值服务,以更好地赋能商户经营。

As the data of iiMedia Research showed, there were 110.2 million market entities in China in 2018, of which more than 70 million businesses were self-employed, and the huge market participants gave birth to a huge market for payment institutes to serve merchants. Among all the business for merchant payments, receipt business becomes the focus of third-party merchant payment enterprises. As of the first half of 2019, the connect POS has reached 32.873 million units, with 235.6 POS per 10000 people. In addition to receipt business, small and micro enterprises also have a high demand for marketing, financial management and other services. As the data of iiMedia Research showed, 85.4% of the interviewed enterprises expressed concern about the value-added services provided by the third-party payment platforms. However, limited by their business volume, it is difficult for them to develop relevant business systems of find suitable service channels. The third-party merchant payment platform has begun to take payment as a starting point to provide value-added services for small and micro enterprises, in order to better enable enterprises to operate.

本报告研究涉及企业/品牌/案例:国寿股份,平安人寿,安邦人寿,太保人寿,泰康人寿,太平人寿,新华人寿,华夏人寿,富德生命,人保寿险,天安人寿,工银安盛,恒大人寿,友邦人寿,信诚人寿,招商信诺,中意人寿,中美联泰,中宏人寿,交银康联,中英人寿,宝马,奥迪,沃尔沃,捷豹,路虎,凯迪拉克,雷克萨斯,英菲尼迪,讴歌,奔驰,微医集团,长城信托,中信信托,建信信托,平安信托,华能贵诚信托

2018年全球保险费(除健康险外)为3.66万亿欧元,同比增长3.30%。中国方面,人身保险和财产保险双轨发展,特别随着高净值人群的比例增加,高端保险市场开始发力。艾媒咨询分析师认为,中国高端保险目标客户最关注的问题也是追求财富传承和安全。特别是在国际局势不稳定的新形势下,金融市场及财产的保值性和安全性,成为中国高端保险目标客户最关注的话题之一。并且,超过半数受访者表示已经开始准备或正在进行财富传承相关安排。同时,高端医疗保障,也是高端保险的重要吸引力之一。

In 2018, the global insurance premium (excluding health insurance) was 3.66 trillion euros, up 3.30% year on year. On the Chinese side, life insurance and property insurance are developing on a dual track. With the increase in the proportion of people with high net worth, the high-end insurance market has begun to develop. According to AI media consulting analysts, the most important concern of China's high-end insurance target customers is also the pursuit of wealth inheritance and safety. Especially in the new situation of unstable international situation, the preservation and safety of financial market and property has become one of the most concerned topics for China's high-end insurance target customers. Moreover, more than half of the interviewees said that they had already begun to prepare or were in the process of making relevant arrangements for wealth inheritance. At the same time, high-end medical insurance is also one of the important attractions of high-end insurance.

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