2021银行系消费金融生存现状盘点及趋势预测.pdf

Confidential?and?Protected?by?Copyright?Laws?202120212021/9/62?l?研?APP?够?APP?尽?尽?研?BAT?l?务?研?l?务?Analysys?导?l?尽?尽?l?尽务?2021/9/63?CONTENTS?0101?0202?03030404?2021/9/64?PART?1PART?1?2021/9/65?l?2020?5246.49?5.18%?4927.8?4.34%l?60%?务?2020?1088.81?445.59?2016.122016.12-2020.122020.12?20162016-20202020???317573473435893387774056610.90%9.40%8.20%8.00%4.60%0%5%10%15%20%0500010000150002000025000300003500040000450002016.122017.122018.122019.122020.12社会消费品零售总额（亿元）同比增长1401.842826.333876.684988.075246.4937.16%28.67%5.18%0%20%40%60%80%100%01000200030004000500060002016年2017年2018年2019年2020年资产规模（亿元）资产增速（%）101.62%2021/9/66?l?务?l?+?+?l?B?尽?愿?尽?务?告?尽?务?123?2021?8?2?务?尽?尽?70%?6.3?2021/9/67?1919?序号机构名称注册资本地区成立时间主要股东及持股比例1招联消费金融38.69亿深圳2015-3中国联合网络通信50%，招商银行 50%2兴业消费金融19亿泉州2014-12兴业银行 66%，泉州商业集团24%，特步/福诚 5%3中银消费金融15.14亿上海2010-6中国银行 42.8%，百联集团 22.07%，上海陆家嘴 13.44%4锦程消费金融4.2亿成都2010-2成都银行 38.86%，周大福 25%，凯枫融资租赁19%5湖北消费金融9.4亿武汉2015-4湖北银行 31.91%，新疆特易数科24.47%，北京宇信 12.77%6中邮消费金融30亿广州2015-11邮储银行 70.5%，星展银行15%，广东三正4.5%7北银消费金融8.5亿北京2010-2北京银行 35.29%，桑坦德消费金融 20%，利时集团15%8晋商消费金融5亿太原2016-2晋商银行 40%，奇飞翔艺软件 25%，天津宇信易诚科技20%9盛银消费金融3亿沈阳2016-2盛京银行 60%，顺峰投资 20%，大连德旭经贸20%10中原消费金融20亿郑州2016-12中原银行 49.25%，华平投资 42%，上海伊千 8.75%11杭银消费金融25.61亿杭州2015-12杭州银行 35.14%，迪润（天津）科技33.34%，银泰投资20%12长银消费金融10.5亿西安2016-11长安银行 51%，汇通信城租赁 25%，北京意德辰翔投资24%13蒙商消费金融5亿包头2016-12包商银行 44.16%，微梦创科 40%，深圳萨摩耶 15.6%14长银五八消费金融9亿长沙2017-1长沙银行 51%，北京城市网邻33%，通程控股 16%15哈银消费金融15亿哈尔滨2017-1哈尔滨银行 53%，度小满 30%，上海斯特福德置业 6.33%16幸福消费金融6.37亿石家庄2017-6张家口银行 47.1%，神州优车 39.25%，蓝鲸控股 13.66%17尚诚消费金融10亿上海2017-8上海银行 38%，携程 37.5%，深圳市德远益信 12.5%18阳光消费金融10亿北京2020-8光大银行 60%，中青旅 20%，王道商业银行 20%19苏银凯基消费金融6亿昆山2021-3江苏银行50.1%，凯基商业银行 33.4%，五星控股 9%?2021/9/68?2 2?1 17 76 65 5?3?2?1?0??l?尽?够?尽?l?的?研?19?尽务?5?8?尽?2?l?太?3 3?1414?2021/9/69?l?务?l?2020?告?尽?l?尽??20202020??20202020?128.1664.6543.118.7213.6816.6813.54.552.392.81020406080100120140?1088.81445.59379.79126.4113.931091.82409.24334121.24105.97020040060080010001200?2021/9/610?l?l?l?导?20182018-20202020?务?研?务?1.932.282.271.772.262.211.782.342.321.51.71.92.12.32.5?201820192020?%??尽?研?ABS?尽?研?3?尽?2020?0.09%?2021/9/611?研?研/?尽?尽?A AMMC C?尽?尽?2021/9/612?务?/?/?务?务?名?+?ABS?务?尽?尽2021/9/613?PART?2PART?2?2021/9/614?3C?模?O2O?1232021/9/615?l?务?的?尽?研?/?够?-?-?10.8%-23.76%?-?-?14.0%-20.0%casecasecasecasecasecase?=?(1?)?App?3?尽?2020?2021/9/616?l?l?l?24%?1234APRAPRIRRIRR?2021?3?务?2021?3?匮?告?尽?尽?尽?研?2021/9/617?-?ABSABS?l?ABS?13.2%-24%?l?2018-2020?24%?2021?21.6%?l?5?ABS??ABS?2019?ABS?20.49 21.65 21.88 20.23 24.00 24.00 24.00 21.60 13.20 15.60 16.80 13.20 0510152025302018201920202021?%?%?%?2018-2021?ABSABS?2019.112019.11?ABSABS?5 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