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关于“金融”的报告

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/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:华为钱包,微信支付,京东,苏宁支付,华为钱包,口碑支付,QQ钱包,翼支付,美团收款,百度钱包,银联云闪付,壹钱包,花呗,腾讯金融,淘票票,余额宝,蚂蚁森林,蚂蚁庄园,摩拜

2019上半年中国移动支付交易规模达到166.1万亿元,较2018年上升24.2%,增长势头重回正轨。中国移动支付市场竞争格局主要分为两个梯队,第一梯队是支付宝和财付通,因其先发优势占据市场;第二梯队以苏宁支付、云联闪支付为代表,其产品格局特点,具有忠实用户群体。C端支付市场区域饱和,逐渐朝向场景垂直化、服务多元化精细化方向发展,而B端市场竞争加剧。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7328.6万户,大量市场主体对于移动支付B端服务的需求,带动移动支付B端市场的发展。移动支付平台主要从大数据云计算等基础能力、平台发展运营能力和金融能力三方面赋能商家。受访商家偏好接入的移动支付产品主要是支付宝和微信支付两大巨头产品,具有银联背景的云闪付排名第三,占比达35.6%。主流支付平台不仅赋能B端,更进军海外市场,支付宝、微信支付、苏宁支付纷纷布局跨境支付市场。未来,跨境业务发展成必然趋势,移动支付开始向全球发展。

In the first half of 2019, the scale of China mobile payment transactions reached 166.1 trillion yuan, up 24.2% from 2018, and the growth momentum is back on track. China mobile payment market competition pattern is mainly divided into two echelons, the first tier is Alipay and Tenpay, because of its first advantage to occupy the market; the second tier is represented by Suning Pay and cloud joint flash payment, and its product pattern features have a loyal user group. The ‘To C’ payment market is saturated in the region, and gradually tends to verticalize the scene and refine the service diversification, while the ‘To B’ market competition intensifies. As the data of iiMedia Research showed, there are 11.2 million market entities in China in 2018, including 73.286 million individual businesses entities. A large number of market entities' demand for mobile payment ‘To B’ services drives the development of mobile payment B-terminal market. Mobile payment platform mainly includes three aspects: basic capabilities such as big data cloud computing, platform development and operation capabilities and financial capabilities. The mobile payment products that the respondents preferred to access were mainly the products of the two giants, Alipay and WeChat Pay. The Yunshanfu with the UnionPay background ranked third, accounting for 35.6%. The mainstream payment platform not only empowers the merchants, but also goes overseas, and Alipay, WeChat Pay and Suning pay have arranged the cross-border payment market. In the future, cross-border business will become an inevitable trend, and mobile payment will begin to develop globally.

本报告研究涉及企业/品牌/案例:新华保险,中国人寿,太平洋人寿,平安养老,新华人寿,太平养老,太平人寿,泰康养老,泰康人寿,阳光人寿,中信保诚,中意人寿,应答人寿,同仁堂,汤臣倍健,九州通,云南白药,国寿养老,华夏资金,工银瑞信,南方基金,渣打银行,宏利保险,建设银行,兴业银行,广发银行,天弘基金,光大银行,中信银行,招商银行,安邦保险

2018年,中国60岁以上老年人占总人口的16.1%,意味着中国已经进入深度老龄化社会,特别是养老金融成为了解决中国深度老龄化社会面临的关键问题。目前,中国养老金融体系与发达国家相比仍有较大差距,美国的商业养老保险占比35.2%,规模达到9.9万亿美元,而中国第一大支柱为基本养老保险制度,占到整个养老体系近80%,规模仅4.4万亿元。同时,由于中国的第一支柱基本养老保险替代率和第二支柱年金覆盖率低,超过8成中国国民未达资产储备预期,仅依靠第一和第二支柱无法满足当前的养老保障形势;而第三支柱在快速识别和及时响应消费者个性需求方面独具优势,基础需求旺盛。iiMedia Research(艾媒咨询)数据显示,现阶段中国公民养老投资偏好最大的依然是银行存款或银行理财占30.2%,然后是商业养老保险产品(20.5%)、股票基金(13.2%)以及购买房产(10.0%)。艾媒咨询分析师认为,近年来互联网和移动支付的普及,大大提高了中老年人获取金融服务的便利性;基于大数据和人工智能分析的金融科技的持续进步,提升了养老金投资科学性和专业性,成为推动养老服务金融快速发展的重要动力;特别是随着服务型政府的建设推进、PPP融资模式的进一步发展,中国养老金融市场发展将更加完善。

  In 2018, China's elderly (60 years & above) accounted for 16.1% of the total population, which means that China has entered an aging society. Pension finance has become a key factor in solving China's deep aging society. At present, China's pension financial system still has a big gap compared with developed countries. The commercial pension insurance in US accounts for 35.2% of the total, and its scale reaches 9.9 trillion dollars. However, the first pillar of pension finance in China is the basic pension insurance system, which accounts for nearly 80% of the entire pension system, with a scale of only 4.4 trillion yuan. At the same time, due to the low replacement rate of China’s first pillar of pension finance and the low coverage rate of the second pillar, more than 80% of Chinese nationals fail to meet their demand; The third pillar of pension finance in China has unique advantages in quickly identifying and responding to consumers' needs in a timely manner, and its basic needs are strong. According to data from iiMedia Research, the biggest preference for Chinese citizens is bank deposits and bank wealth management, which account for 30.2%, followed by commercial pension insurance products (20.5%), equity funds (13.2%), and purchase of real estate. (10.0%). iiMedia Consulting analysts believe that the popularity of Internet and mobile payment in recent years has greatly improved the convenience of accessing financial services for middle-aged and elderly people; the continuous improvement of financial technology based on big data and artificial intelligence analysis improves the science of pension investment. Financial technology becomes an important driving force for the rapid development of pension service finance in China. With the development of service-oriented government and PPP financing model, China's pension market will be further improved.

本报告涉及企业/品牌包括:中国工商银行、中国建设银行、中国银行、中国农业银行、中国交通银行、中国招商银行、中国兴业银行、上海浦东发展银行、天猫、京东、苏宁、亚马逊、唯品会、当当、小红书、聚美优品、拼多多、淘宝、支付宝、PayPal中国、易宝支付、付费通、翼支付、财付通、快钱、连连支付、腾讯、拉卡拉、银联在线、乐刷、BLUE Mobile、Airwallex、易思汇、利楚扫呗、PingPong、Worldpay、八达通、万事达、富达国家信息服务公司、蚂蚁金服、愉悦资本、DST Global、Horizons Ventures、腾讯、高瓴、红杉中国、Square Peg Capital、戈壁、信中利资本、高文投资、富友集团、华睿投资、CBC宽带资本、赛伯乐投资、鸥翎投资、普罗资本、易正天道、丽水琛石

2019年3月中国科技金融行业包括政府、银监会、银行业协会等多个监管主体在内的动向,共有6条政策信息与科技金融相关,银行理财产品发行量环比增长18.79%。具体而言,银行方面,银行理财产品收益率跌至4.3%;各大行公布的2018业绩报告显示其净利润都有所增长,其中,招商银行净利润增长率最高,达14.8%。电子商务方面,淘宝的月活跃用户数达36843.9万,远高于其它购物平台,拼多多和京东相继发布2018年财务报告。电子支付方面,跨境支付服务商Airwallex获得一亿美元投资,易思汇获信中利资本一亿人民币投资。

In March 2019, the trend of China's technological finance industry, including the trend of China government, CBRC, China Banking Association and other institutions, included 6 policy information, and the issuance of bank wealth management products increased by 18.79% month-on-month. In turns of banking, investment product yield fell to 4.3%。Major Banks reported higher net profit for 2018, with China Merchants Bank posting the highest growth rate at 14.8%. In terms of e-commerce, the monthly active users of Taobao reached 368.439 million, far higher than other shopping platforms and Pinduoduo and JD released their 2018 financial reports. In terms of electronic payment, in March 2019, Airwallex, a cross-border payment service provider, received an investment of 100 million dollars, and Easy Transfer received an investment of RMB 100 million from ChinaEquity Group.

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