Analysis of Competitive Products Kenya Phone Number

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mahfuj
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Analysis of Competitive Products Kenya Phone Number

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Editor's introduction: Many people's savings are used for housing, and they have to spend a lot of money every month, and they will be blocked when they encounter where they need the money; so with the service of housing mortgage loan, you can live in If you have a house to live in, you can still get a loan; the author of this article has made a detailed analysis of competing products for housing mortgage financial services, let's take a look. 1. Project Overview 1. Description Kenya Phone Number of competitor analysis Analyze direct and potential competing products in the market, optimize product core structure and page layout, and establish product core function positioning; understand the core needs of target users, tap user attractive needs, and market status to prepare for product iteration. 2. Product testing environment 2. Market 1. Social background analysis From the perspective of the debt structure of Chinese residents: before 2017, the high growth of personal loans was mainly driven by mortgage loans.

Consumer finance in the past few years has been the outlet for cash loans; consumer finance in the next few years will be the winner of the scene. Given that different consumer lending institutions have very different control over the scene, a new round of shuffling has begun. 2. Social Trend Analysis As of the end of the third quarter of 2018, the number of bank cards in use and issued nationwide was 7.385 billion, a month-on-month increase of 2.75%. Among them, the number of debit Kenya Phone Number cards in use was 6.726 billion, a month-on-month increase of 2.69%; the number of credit cards and debit cards in use and issued totaled 659 million, a month-on-month increase of 3.36%—the national per capita holding 5.31 bank cards, of which, Per capita holds 0.47 credit cards. The total amount of credit card credit was 14.69 trillion yuan, an increase of 5.05% month-on-month. The average credit limit for cards was 22,300 yuan, and the credit utilization rate was 74.53%. That is 659 million credit cards, of which 489 million are in use; although it is not ruled out that some people have two or three cards under their names, in total, there are at least 300 million to 400 million users of credit cards.

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Number of credit cards issued nationwide from 2014 to 2018 (100 million) Statement: The "Report on the Development of China's Consumer Finance Companies (2020)" released by the China Banking Association shows that in 2019, the overall growth rate of consumer finance companies slowed down, but remained at a relatively high level. As of the end of 2019, the assets of consumer finance companies reached 498.807 billion yuan, an increase of 28.67% over the previous year; the loan balance was 472.293 billion yuan, an increase of 30.5% over the previous year. Judging from the non-performing rate data, a direct Kenya Phone Number response indicator of risk cost, the average non-performing loan rate of consumer finance companies in 2019 was 2.63%, slightly higher than the average non-performing level of credit cards, and a slight decrease (down 0.11 percentage points) compared with 2018; In terms of the median rate, it was 2.03% in 2019, a slight increase from 2018 (up 0.1 percentage points). On the whole, consumer finance companies are facing greater risk (cost) pressure; at the same time, the median and average NPL ratios are quite different, which to a certain extent reflects the differences in risk costs of various institutions. The risk cost pressure of some institutions is particularly severe. Summary.
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