The main body of the traditional consumer finance executive list market is mainly composed of commercial banks and consumer finance companies, of which executive list commercial banks occupy a major position, and consumer finance companies are supplements to commercial banks. The following is the coverage rate of traditional banking business. The existing traditional consumer credit business development of. 1.1 Indian Banking and Credit Card Penetration Rate Personal Loan Product Analysis Source: "APUS India Shanghai Gold Report":
And the coverage rate of credit cards is executive list only below 5%. Most people are not covered by traditional lending channels. 1.2 China Bank and Credit Card Penetration Rate According to the data of the China Payment and Clearing Association in the third quarter of 2018, the executive list per capita holding of bank cards in China is 5.31, and the per capita holding of credit cards is 0.47. The bank coverage rate is relatively high, and there is still room for improvement in the credit card coverage rate.
The main players in the Internet consumer finance executive list market, in addition to the emerging consumer finance platforms purely relying on the Internet, also include the Internet credit business formed by the transformation of traditional banks and consumer finance institutions. 2.1 Overview of Indian Internet Credit Market Source: "APUS India Shanghai executive list Gold Report": 2018.04 and "India Fintech Research Report": 2018.10 2.2 Overview of China's Internet Credit Market Source