Asset-Based Lending Market Outlook | 2031
资产抵押贷款市场规模和趋势
资产抵押贷款市场规模预计将从 740.24 美元增长2023年为10亿美元,到2031年为19,016.6亿美元;预计 2023 年至 2031 年复合年增长率将达到 12.5%。资产抵押贷款资格标准的简化预计将带来高增长机会。
资产基于资产的贷款市场分析
基于资产的贷款是一种大型资产类别,涉及经济的许多不同领域。传统银行融资的持续脱媒和技术创新推动了近年来的快速增长,并且这一趋势预计将持续下去。评估公司现金流的传统企业融资对许多企业都很有效。然而,一些公司可能有资格根据其拥有的资产获得额外借款。这种替代方法,称为基于资产的贷款,更适合他们。基于资产的借贷市场解决方案允许将各种资产(包括应收账款、品牌、房地产和知识产权)用作抵押品,从而提供获取重要资本的途径。对于拥有大量资产的企业来说,基于资产的贷款提供了重要的融资选择,其灵活的结构可以为未来的决策提供支持。此外,FILO(先进后出)等特殊安排可以提高借贷能力。
资产抵押贷款< span> 行业概览
- 贷款人青睐高流动性的抵押品,例如可以轻松转换为现金的证券,当借款人拖欠付款。以实物资产为抵押的贷款被认为风险较高,因此最高贷款额通常低于资产的账面价值。
- 利率有很大差异,具体取决于申请人的信用记录、经营时间长短和现金流。在高通胀和宏观经济不确定的时期,资产贷款产生的基于抵押品的现金流也很重要。标的抵押品具有有形价值,并且该抵押品附带的现金流通常具有合同性质。
- 此外,实物抵押品的重置价值往往会随着整体经济价格的上涨而上升。
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资产借贷市场驱动因素和机遇
私人资产借贷推动资产借贷市场增长
- < span>在全球金融危机中,私人资产贷款的显着增长速度可以被视为正在进行的结构性转变的一个迹象。
- 传统金融渠道的去中介化已成为当前结构性转变的一个迹象。过去几年中,对私人资产贷款的增长至关重要。金融危机后,多个发达国家央行纷纷购买抵押贷款支持证券,为市场注入流动性、恢复信心,同时提高存款准备金率,限制冒险行为。这导致对非主流贷款征收更高的资本费用。
- 银行的回应是降低贷款规模,并按常规条件向老客户提供信贷。这导致一些信誉良好的消费者无法获得资金,进而增加了对私人资产贷款的需求。
- 随着经济持续动荡,预计上述趋势将会出现为资产抵押贷款市场的增长提供良好的机会。
资产抵押贷款 市场报告细分分析
- 根据利率,市场分为固定利率和浮动利率。
- 固定利率细分市场在 2023 年取得了最高的资产抵押贷款市场份额。这可以归因于固定利率贷款的主要好处是保护借款人免受每月意外且可能大幅增长的影响。利率突然飙升期间的付款。此外,固定利率贷款很容易理解,并且贷方之间的差异较小。
基于资产的贷款 < strong>按地域划分的市场份额分析
资产抵押贷款市场报告的范围主要分为五个区域 - 北美、欧洲、亚太地区、中东及非洲、南美洲。亚太地区 (APAC) 正在经历快速增长,但预计北美将占据最大的资产贷款市场份额。亚太地区经济的显着发展和贸易兴趣的增长为资产贷款的扩张提供了巨大的机会。在美国,非银行贷款机构已将超过 20% 的资产用作抵押品,提供基于资产的贷款。这些趋势促进了北美市场的增长。
资产抵押贷款 市场报告范围强>
“资产借贷市场分析”是根据类型、利率、组织规模和地理位置进行的。从类型来看,市场分为设备融资、库存融资、应收账款融资等。根据利率,市场分为固定利率和浮动利率。从组织规模来看,市场分为中小企业和大型企业。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲、南美洲。
报告属性 | < span>详情 |
2023年市场规模 p> | 7402.4亿美元 |
2031 年市场规模 | 19,016.6 亿美元 |
全球复合年增长率(2023-2031) | 12.5% |
实际数据 | 2021 年 - 2023 年 |
预测期 | 2024 年 – 2031 |
报告覆盖范围 | 市场规模和预测(美元)、市场驱动因素和预测趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司简介 |
细分市场覆盖 | 类型(设备融资、库存融资、应收账款融资等)、利率(固定利率和浮动利率)、组织规模(中小企业和大型企业)和地理位置 |
区域覆盖 | 北美、欧洲、亚太地区、中东和非洲非洲、南美洲 |
国家/地区覆盖范围 | 美国、加拿大、墨西哥、德国、法国、意大利、英国、俄罗斯、澳大利亚、中国、印度、日本、韩国、南非、沙特阿拉伯、阿联酋、巴西、阿根廷 |
市场领导者和主要公司简介 | 巴克莱银行、伯克希尔银行、Capital Funding Solutions、水晶金融、希尔顿贝尔德、摩根大通、劳埃德银行、波特资本、富国银行和 White Oak Financial |
资产借贷 市场新闻和最新动态
公司在资产借贷市场中采用并购等无机和有机策略。下面列出了最近的一些关键市场发展:
- 2024 年 3 月,Praetura Commercial Finance –与姊妹公司 Zodeq 一起获得了巴克莱银行提供的 2 亿英镑资产贷款证券化融资,以加强对英国中小企业的支持。巴克莱银行的贷款增强了 Praetura 满足日益增长的另类贷款需求的能力,该公司预计每年将支持超过 1,000 家中小企业。
[资料来源:Praetura Commercial Finance,公司网站]
- 2023 年 10 月,全球担保金融软件合作伙伴 Solifi 宣布了 Solifi 资产的最新产品增强功能 -为基础的贷款。该版本包括多项旨在通过自动化、报告和客户体验提高效率的新功能。 该公司的 SaaS 开放式金融平台可快速发布新功能,从而改善贷款人和借款人之间的沟通。这些新功能减少了手动报告的要求,同时为公司的基于资产的贷款和应收账款融资带来了创新,贷款人和客户的业务不会受到干扰。
[来源: Solifi,公司网站]
基于资产的贷款 市场报告覆盖范围和市场报告覆盖范围可交付成果
关于“资产抵押贷款市场规模及预测(2021 年和 2031 年)”的市场报告,提供了以下市场的详细分析地区-
- 市场规模和市场规模对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 未来主要趋势。
- 详细的 PEST 和防治措施。 SWOT 分析
- 全球和区域市场分析,涵盖主要市场趋势、主要参与者、法规和最新市场发展。
- 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和最新发展。
- 详细的公司简介。
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
This text is related
to country scope.
Frequently Asked Questions
The key players holding the majority of shares in the global asset-based lending market are Barclays Bank, Berkshire Bank, Capital Funding Solutions, JPMorgan Chase & Co, and Wells Fargo.
The global market is expected to reach US$ 1,901.66 billion by 2030.
The global market was estimated to be US$ 740.24 billion in 2023 and is expected to grow at a CAGR of 12.5 % during the forecast period 2023 - 2031.
The growth of private asset-based lending is expected to play a significant role in the market in the coming years.
Easier qualifications and easy access to loans are the major factors that propel the global asset-based lending market.
- Barclays Bank
- Berkshire Bank
- Capital Funding Solutions
- Crystal Financial
- Hilton-Baird
- JPMorgan Chase and Co
- Lloyds Bank
- Porter Capital
- Wells Fargo
- White Oak Financial
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.