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China Petty Loan Indepth Research and Investment Strategy Report, 2013-2017

China Petty Loan Indepth Research and Investment Strategy Report, 2013-2017

Last Update:2014-05-19

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Preface

Table of Content

Current these years, the petty loan and petty loan institutes in China gain a booming achievement that the number of petty loan enterprises double in 2011. The petty loan is mainly for small corporations, low-income group and individual farmers. The fast growth of petty loan and petty loan institutes will be of great helpful to ensure the economic benefit of low-income group, improve the employment rate, enhance the economic self-motivation, and promote the stable and healthy development of national economy.

The growing financing demand of numerous small or micro size enterprises greatly promote the establishment of small loan corporations with abundant private fund. Data released by the Central Bank shows that by the end of November, 2011, number of petty loan enterprises in China breaks through 4,000 which is 4,144 exactly, up 1,530 comparing with that in the end of 2010 which means there will be 150 new enterprises every month; number of employees reaches 44,000; the balance of loan is 369.4 billion Yuan with a year-on-year growth of 11.2%. And in the first 11 months of 2011, the new loan is 171.3 billion Yuan while the new benefit is 23 billion Yuan with a year-on-year growth of 16.96%. However, as some areas have been involved in the breach of private loan, the loan situation has developed from booming demand and supply to cautious and limited loan for some petty loan enterprises.

And according to other statistics, the gross profit rate of current petty loan enterprises is about 8-10% (not including tax, salary cost and other costs) and will be about 20% if including all other factors. Such profit rate is equal to that of the social average. And the loss rate of the whole industry is about 5%. Still, there is a zero for the petty loan enterprises which are established in 2009.

View from different regions, by the end of September, 2011 the total paid-in capital in China is 282.382 billion Yuan. And the pain-in capital for the top 3 provinces—Jiangsu, Zhejiang, and Inner Mongolia—is above 20 billion, among which that of Jiangsu is over 45 billion Yuan. And the loan balance of the top 3 accounts for 45% in the nationwide petty loan balance, that is 21%, 14% and 9%. Among which the balance in Jiangsu is about 70 billion Yuan. Statistics show that the balance of petty loan enterprises in the top 11 provinces exceeds 10 billions while that in other 22 provinces is 87.349 billion Yuan.

Although the petty loan industry shows a fast growth in general, there is an imbalance for the financing ratio limitation from relevant policies and developing demand of petty loan institutes. The petty loan enterprises are trapped with the following factors: limited registered capital, insufficient funding and low return rate, not being able to benefit from the credit system, and lacking professionals. According to regulatory requirements, the balance of petty loan enterprises that comes from the bank or other financial institutes should be less than 50% of the net capital. However, the non-bank-deposit loan institutes like petty loan enterprises in oversea mainly raise capital from capital market which details as bond market (commercial paper and loan and the former one works as major). And the commercial paper in China is short-term financing bond and medium-term note. The capital market is not yet open for petty loan enterprises.

Good news for these issues is that the operational environment to petty loan enterprises is better and better. Take Guangdong as an example, the

Views on Promoting the Stable and Fast Development of Petty Loan Corporations(short forViews) which is issued by Guangdong government shows a booming trend for the capital expansion. After the publishment of the Views, the registered capital to petty loan corporations and shareholding ratio to substantial shareholders greatly increase. It is reported that eligible corporations can have a capital increase while the shareholding ratio to substantial shareholders increase from 20% to 30% and the max registered fund increases to 500 million. And the registered capital for new corporations should reach 200 million while the established can remain the former requirement. The Shenzhen government is actively negotiating with relevant departments of PBOC Shenzhen Branch in order to allow the petty loan corporations involved in the credit system. It will be helpful to enhance the risk control capability of petty loan corporations.

Moreover, the widespread benefiting character of petty loan corporations determines that government will pay attention to this industry and supports the development. At present, the feasibility of capital market for petty loan institutes is under research and discuss while the financing system to petty loan institutes that base on public finance is under construction. It can be inferred that the petty loan industry in China will gradually open up in order to meet the growth demand of national economy. Problems to petty loan will be settled then the industry will enter a fast developing stage.

This report mainly analyzes the following aspects: market scale and policy environment of China petty loan; experiences from petty loan in foreign countries; development characteristics of petty loan business in small loan institutes; development status and prospects of petty loan in rural areas; development situations of petty loan in China key provinces; competitors’ operational condition of China petty loan industry; the sustainable development of China petty loan. Meanwhile, together with the comprehensive and detailed market data which is accumulated for years Forward helps you to grasp the market and development trends of petty loan industry, so as to win advantages from competition!

Major characteristics of this report are forward-looking and timeliness. Base on the forward-looking analysis of massive research data, we further analyze the development scale and competitive landscape of petty loan industry. Along with the industry development route and our practical experience, we analyze and predict the future development prospect of petty loan industry. This report is of a high value for financial institutes, petty loan corporations and investment corporations to accurately know the latest industry development trend, and obtain market opportunities and determine an insightful operation strategy and development direction.

Here, we’d like to express our sincere gratitude to China Association of Petty Loan Institutions, National Statistics Bureau of China, International Information Institute, National Institute of the Ministry of Commerce, National Tsinghua University Library, Institute of Market Economy of the State Council Development Research Center, and Beijing Tsinghua Forward Market Research Center, etc. Thank you so much!

Notice: all the market data, especially the corporation list data in this report is only for business reference. Please don’t take the data for enterprise publicity. Thank you! Or Forward shall not take any responsibility for any consequences!

Qianzhan Business Information Co., Ltd. Industry Research Center

Research Team of Petty Loan Industry

 


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