Consumer Financing 消费信贷
Sub-sector index
base = 100
This sub-sector consists of non-bank lenders providing personal loans, vehicle and motorcycle hire purchase and credit cards, largely serving mass-market borrowers underserved by banks. Funding comes mainly from bond issuance and bank borrowings, with profitability driven by lending spreads and credit-loss control. Performance tracks consumer demand, employment and the interest rate environment.
Related
Pawnbroking
Constituents (3)
| Company | Code | Market | Description |
|---|---|---|---|
| AEONCR | 5139 | Main | AEON Credit is a non-bank consumer financier offering personal loans, motorcycle and car easy-payment schemes and credit cards. |
| ELKDESA | 5228 | Main | ELK-Desa mainly provides used-car hire purchase financing, with a smaller furniture trading arm, serving mass-market customers in the Klang Valley. |
| RCECAP | 9296 | Main | RCE Capital provides personal financing to civil servants, repaid through salary deductions. |
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