资产抵押贷款市场规模预计将从 2023 年的 7402.4 亿美元增长到 2031 年的 19016.6 亿美元;预计 2023 年至 2031 年的复合年增长率为 12.5%。资产抵押贷款资格标准更宽松预计将提供高增长机会。
资产抵押贷款市场分析
资产抵押贷款是一种大型资产类别,涉及经济的许多不同领域。近年来,传统银行融资的脱媒化和技术创新推动了快速增长,预计这一趋势将持续下去。传统的商业融资评估公司的现金流,对许多企业来说都很有效。然而,有些公司可能有资格根据其自有资产获得额外借款。这种被称为资产抵押贷款的替代方法更适合他们。资产抵押贷款市场解决方案允许使用各种资产(包括应收账款、品牌名称、房地产和知识产权)作为抵押品,从而获得重要资本。对于拥有大量资产的企业,资产抵押贷款提供了重要的融资选择,其灵活的结构允许企业进行未来决策。此外,像先进后出 (FILO) 这样的特殊安排可以增加借贷能力。
资产抵押贷款
行业概览
- 贷款人倾向于流动性强的抵押品,例如证券,这些抵押品可以轻松转换为现金,以备借款人拖欠还款时使用。以实物资产为抵押的贷款被认为风险更高,因此最高贷款额通常低于资产的账面价值。
- 利率差异很大,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时期,资产抵押贷款产生的基于抵押品的现金流也很重要。基础抵押品具有有形价值,与该抵押品相关的现金流通常具有合同性质。
- 此外,实物抵押品的替换价值往往随着整体经济的价格上涨而上涨。
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资产抵押贷款市场驱动因素和机遇
私人资产抵押贷款推动资产抵押贷款市场增长
- 全球金融危机爆发后,私人资产抵押贷款显著增长,这可以看作是正在进行的结构性转变的标志。
- 过去几年,传统金融渠道的脱媒化对私人资产抵押贷款的增长至关重要。金融危机爆发后,不同发达国家的几家央行购买了抵押贷款支持证券,以向市场注入流动性并恢复信心,同时还提高了准备金要求并抑制风险承担。这导致对非主流贷款征收更高的资本要求。
- 银行的应对措施是降低贷款额度,并按常规向老客户发放贷款。这导致许多有信用的消费者无法获得资金,从而增加了对私人资产抵押贷款的需求。
- 随着经济动荡的持续,上述趋势预计将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。
- 固定利率部分在 2023 年占据了资产抵押贷款市场份额的最高水平。这可以归因于固定利率贷款的主要优势,即在利率突然上涨期间,保护借款人免受每月还款意外大幅增加的影响。此外,固定利率贷款更容易理解,贷款人之间的差异也更小。
资产抵押贷款
按地区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地区——北美、欧洲、亚太、中东和非洲以及南美。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抵押贷款市场份额。亚太地区显著的经济发展和日益增长的交易兴趣为资产抵押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% 的资产作为抵押品提供资产抵押贷款。这种趋势促进了北美市场的增长。
资产抵押贷款
资产抵押贷款市场区域洞察
Insight Partners 的分析师已详尽解释了预测期内影响资产抵押贷款市场的区域趋势和因素。本节还讨论了北美、欧洲、亚太地区、中东和非洲以及南美和中美洲的资产抵押贷款市场细分和地理位置。
- 获取资产抵押贷款市场的区域特定数据
资产抵押贷款市场报告范围
报告属性 | 细节 |
---|---|
2023 年的市场规模 | 7402.4亿美元 |
2031 年市场规模 | 19016.6亿美元 |
全球复合年增长率(2023 - 2031) | 12.5% |
史料 | 2021-2023 |
预测期 | 2023-2031 |
涵盖的领域 | 按类型
|
覆盖地区和国家 | 北美
|
市场领导者和主要公司简介 |
|
资产抵押贷款市场参与者密度:了解其对业务动态的影响
资产抵押贷款市场正在快速增长,其驱动力是终端用户需求的增加,而这些需求又源于消费者偏好的不断变化、技术进步以及对产品优势的认识不断提高等因素。随着需求的增加,企业正在扩大其产品范围,进行创新以满足消费者的需求,并利用新兴趋势,从而进一步推动市场增长。
市场参与者密度是指在特定市场或行业内运营的企业或公司的分布情况。它表明在给定市场空间中,相对于其规模或总市场价值,有多少竞争对手(市场参与者)存在。
在资产抵押贷款市场运营的主要公司有:
- 巴克莱银行
- 伯克希尔银行
- 资本融资解决方案
- 水晶金融
- 希尔顿-贝尔德
免责声明:上面列出的公司没有按照任何特定顺序排列。
- 获取资产抵押贷款市场主要参与者的概述
“资产抵押贷款市场分析”根据类型、利率、组织规模和地理位置进行。就类型而言,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。就组织规模而言,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、中东和非洲以及南美。
资产抵押贷款
市场新闻和最新动态
在资产抵押贷款市场中,企业采用并购等无机和有机战略。以下列出了一些近期的关键市场发展:
- 2024 年 3 月,Praetura Commercial Finance 与姊妹公司 Zodeq 共同获得了巴克莱银行提供的 2 亿英镑资产抵押贷款证券化工具,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 满足日益增长的替代贷款需求的能力,该公司预计每年将为 1,000 多家中小企业提供支持。
[来源:Praetura Commercial Finance,公司网站]
- 2023 年 10 月,担保融资全球金融科技软件合作伙伴Solifi宣布了针对 Solifi 资产抵押贷款的最新产品增强功能。此次发布包括多项新功能,旨在通过自动化、报告和客户体验提高效率。该公司的 SaaS 开放金融平台能够快速发布新功能,改善贷方和借款人之间的沟通。这些新功能减少了手动报告的要求,同时为公司的资产抵押贷款和应收账款融资贷方和客户带来了创新,而不会中断他们的业务。
[来源:Solifi,公司网站]
资产抵押贷款
市场报告范围及交付成果
《资产抵押贷款市场规模和预测(2021-2031 年)》市场报告对以下领域进行了详细的市场分析:
- 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 未来的主要趋势。
- 详细的 PEST 和 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、法规和最新的市场发展。
- 行业格局和竞争分析包括市场集中度、热图分析、关键参与者和最新发展。
- 详细的公司简介。
- Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
- PEST and SWOT Analysis
- Market Size Value / Volume - Global, Regional, Country
- Industry and Competitive Landscape
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
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Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
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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.
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- 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.