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市場調查報告書
商品編碼
1687780

中國金融科技：市場佔有率分析、產業趨勢與統計、成長預測（2025-2030 年）

China Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 140 Pages | 商品交期: 2-3個工作天內

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簡介目錄

根據交易價值，中國金融科技市場規模預計將從 2025 年的 4.86 兆美元成長到 2030 年的 10.6 兆美元，預測期內（2025-2030 年）的複合年成長率為 15.67%。

中國金融科技-市場-IMG1

付款管道主導中國的金融科技市場，其用戶群的很大一部分來自中國不斷成長的社群媒體和電子商務領域。從交易金額來看，數位付款類別最大。中國的金融科技解決方案和技術雖然創新性不強，但更好地改編了國外模式。中國現在公開宣稱希望在金融科技的採用和發展上引領世界。在金融科技業，特別是市場借貸領域出現了多起詐騙案件後，法律開始收緊。

在中國，騰訊控股有限公司的微信和螞蟻金服的支付寶等應用程式佔據了全球數位付款的一半以上。中國消費者俱備數位技能，願意共用個人資訊，因此他們已準備好接受金融科技提供的服務。這為渴望數位轉型的現有企業和金融科技公司打開了大門。預計銀行帳戶的消費者和需求未滿足的中小型企業 (SME) 群體將呈現這種前景。金融科技公司也致力於滿足日益壯大的中階在私人銀行、財富管理和保險等領域日益成長的需求。

中國金融科技市場趨勢

金融科技業數位化投資的增加正在推動市場發展

中國已成為金融科技領域的全球領導者，這得益於多種因素，包括大量銀行帳戶人口、不斷壯大的中階以及支持技術創新的政府。數位投資為中國金融科技公司提供了大量資金，使其能夠開發和推出尖端金融服務和產品。創業投資公司、私募股權投資者甚至老牌金融機構都在投資中國金融科技新興企業，推動其發展。金融科技的數位化投資對於促進中國的金融包容性至關重要。透過創新產品和服務，金融科技公司為以前服務不足的人群提供服務，包括農村地區和小型企業。透過利用數位技術，這些公司正在改善貸款和保險等金融服務的管道，並為傳統上被排除在銀行體系之外的企業和個人提供投資選擇。

數位付款的興起推動了市場

中國正經歷向付款和數位付款的快速轉變，這主要得益於金融科技領域的數位投資。支付寶和微信支付等公司正在徹底改變中國的付款格局，為消費者提供便利、安全的付款解決方案。這些數位付款管道的出現促進了電子商務、線上交易和數位金融服務的成長。數位付款的激增正在推動中國電子商務的成長。隨著越來越多的人意識到透過數位平台購物的便利，網路購物的趨勢日益成長。這種成長為金融科技公司創造了機會，使其能夠提供創新的付款解決方案、貸款服務和其他針對電子商務生態系統的金融產品。

中國金融科技業概況

中國的金融科技市場中等程度分散。該研究概述了在中國和一個或多個其他國家營運的金融科技公司。本書對幾家關鍵公司進行了深入的介紹，包括它們提供的產品資訊、管理它們的法律、它們的總部以及它們所在的行業。目前，螞蟻金服、眾安、騰訊、度小滿、陸金所等是佔據市場主導地位的一些關鍵公司。

其他福利：

  • Excel 格式的市場預測 (ME) 表
  • 3 個月的分析師支持

目錄

第 1 章 簡介

  • 研究假設和市場定義
  • 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場動態與洞察

  • 市場概況
    • 中國金融科技市場規模及成長率
    • 中國金融科技的歷史
  • 市場促進因素
    • 智慧型手機普及率不斷提高推動市場
    • 科技的快速進步為金融科技創新鋪平了道路
  • 市場限制
    • 資料安全和隱私問題
    • 競爭加劇阻礙了市場發展
  • 市場機會
    • 與傳統金融機構合作
  • 產業吸引力-波特五力分析
    • 新進入者的威脅
    • 買家的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭
  • 深入了解影響市場的各種監管發展
  • 洞察技術對市場的影響
  • 中國各行業對金融科技的採用
  • 中小企業在中國金融科技發展中的作用
  • 資金籌措統計：中國金融科技公司的投資流入
  • 深入了解區塊鏈和其他技術的市場採用情況
  • COVID-19 對市場的影響

第5章 市場區隔

  • 中國交易
    • 數位付款
    • 個人財務
    • 另類貸款
    • 替代性融資

第6章 競爭格局

  • 市場集中度概覽
  • 公司簡介
    • Ant Financial
    • ZhongAn
    • Du Xiaoman
    • Tencent
    • Lufax
    • JD Finance
    • Dianrong
    • Ping An Technology
    • Tiger Brokers*

第7章 市場趨勢

第8章 免責聲明及發布者

簡介目錄
Product Code: 66003

The China Fintech Market size in terms of transaction value is expected to grow from USD 4.86 trillion in 2025 to USD 10.06 trillion by 2030, at a CAGR of 15.67% during the forecast period (2025-2030).

China Fintech - Market - IMG1

Payment platforms dominate the fintech market in China, drawing a substantial portion of their user base from the country's growing social media and e-commerce sectors. In terms of transaction values, the digital payment category is the largest. Though not very innovative, China's fintech solutions and technologies are more successful adaptions of foreign models. China has now made it known that it wants to lead the world in adopting and developing financial technology. Following a few instances of fraud in the fintech industry, particularly in marketplace lending, the laws started to tighten.

In China, apps like Tencent Holdings' WeChat and Alipay, owned by Ant Financial, account for over half of all digital payments worldwide. Chinese consumers are ready for FinTech offerings due to their digital expertise and willingness to share personal information. This opens doors for incumbents and FinTech companies eager to take on digital transformation. Underbanked or unbanked consumers with unmet demands and small- and medium-sized business (SME) populations are expected to present these prospects. FinTech companies also aim to fulfill the growing needs of the expanding middle class in terms of private banking, wealth management, and insurance.

China Fintech Market Trends

Increase in Digital Investments in the Fintech Industry is Fueling the Market

China has become a global leader in the fintech industry, driven by various factors such as a large unbanked population, a growing middle class, and a government supportive of technological innovation. Digital investments have given Chinese fintech companies access to significant capital, allowing them to create and implement cutting-edge financial services and products. Venture capital firms, private equity investors, and even established financial institutions have invested in Chinese fintech startups, fueling their growth. Digital investments in fintech have been crucial in promoting financial inclusion in China. Through innovative products and services, fintech companies have reached previously underserved populations, such as rural communities and small businesses. By leveraging digital technologies, these businesses have made financial services, such as loans and insurance, accessible and investment options to companies and people previously shutting out of the conventional banking system.

Increase in Digital Payments is Fueling the Market

China has witnessed a rapid shift toward mobile and digital payments, primarily driven by digital investments in fintech. Companies like Alipay and WeChat Pay have revolutionized the payment landscape in China, providing convenient and secure payment solutions to consumers. The availability of these digital payment platforms has fueled the growth of e-commerce, online transactions, and digital financial services. The surge in digital payments has fueled the growth of e-commerce in China. The trend of online shopping is growing as more and more people realize how convenient it is to make purchases via digital platforms. This growth has created opportunities for fintech companies to offer innovative payment solutions, lending services, and other financial products tailored to the e-commerce ecosystem.

China Fintech Industry Overview

The fintech market in China is moderately fragmented. An overview of fintech businesses operating in China and one or more other countries is included in the study. A few significant companies are thoroughly profiled, including information on their product offerings, the laws that govern them, their headquarters, and their industry of business. Currently, Ant Financial, ZhongAn, Tencent, Du Xiaoman, and Lufax are a few of the significant companies ruling the market.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS AND INSIGHTS

  • 4.1 Market Overview
    • 4.1.1 Market Size and Growth Rate of the Fintech Market in China
    • 4.1.2 History of Fintechs in China
  • 4.2 Market Drivers
    • 4.2.1 Increasing Smartphone Penetration is Driving the Market
    • 4.2.2 The Rapid Progress in Technology has Paved the Way for Fintech Innovation
  • 4.3 Market Restraints
    • 4.3.1 Concerns about Data Security and Privacy
    • 4.3.2 Increasing Competition is Restraining the Market
  • 4.4 Market Opportunities
    • 4.4.1 Partnerships with Traditional Financial Institutions
  • 4.5 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.5.1 Threat of New Entrants
    • 4.5.2 Bargaining Power of Buyers
    • 4.5.3 Bargaining Power of Suppliers
    • 4.5.4 Threat of Substitutes
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Insights on Various Regulatory Trends Shaping the Market
  • 4.7 Insights on the Impact of Technology on the Market
  • 4.8 Fintech Adoption Across Various Sectors in China
  • 4.9 Role of SMEs in Fintech Growth in China
  • 4.10 Funding Statistics - Investment Flow Into Fintech Companies in China
  • 4.11 Insights into Blockchain and Other Technologies' Adoption into the Market
  • 4.12 Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 China Transaction Volumes
    • 5.1.1 Digital Payments
    • 5.1.2 Personal Finance
    • 5.1.3 Alternative Lending
    • 5.1.4 Alternative Financing

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 Ant Financial
    • 6.2.2 ZhongAn
    • 6.2.3 Du Xiaoman
    • 6.2.4 Tencent
    • 6.2.5 Lufax
    • 6.2.6 JD Finance
    • 6.2.7 Dianrong
    • 6.2.8 Ping An Technology
    • 6.2.9 Tiger Brokers*

7 MARKET FUTURE TRENDS

8 DISCLAIMER AND ABOUT US