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市場調查報告書
英國個人融資的回收與債權管理
Collections and Debt Management in UK Personal Lending
| 出版商 |
Datamonitor |
| 出版日期 |
2009年02月 |
商品編碼 |
82940 |
| 內容資訊 |
英文 28 pages |
| 價格 |
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英國個人融資的回收與債權管理 是由出版商Datamonitor在2009年02月所出版的。
這份英文市場調查報告書包含28 pages 價格從美金2795起跳。
Abstract
Introduction
The current economic downturn is forcing many banks to rethink their debt
management and collections strategies as more individuals become unemployed
and unable to repay their loans.
Scope of this research
- Analyzes the current personal loan market performance and provides forward
looking estimates for the non-standard population up to 2013.
- Assesses the process of debt management and recovery and provides analysis
on how it can be enhanced throughout the current climate.
Research and analysis highlights
Generally, financial institutions do not invest in debt collection activity
until there is an economic downturn. Devoting resources towards improving debt
recovery generates an income stream that would otherwise be lost.
The single biggest obstacle for any bank offering a personal loan is assessing
the likelihood of a potential default. To help eliminate this problem there
needs to be a more rigorous lending criteria and a greater degree of customer
data sharing.
Banks are offering advice on budgeting and financial maintenance to help
reduce the threat of delinquency, especially for individuals in difficult
situations.
Key reasons to purchase this research
- Sizes and forecasts the non-standard population as well as providing
historical data for the personal lending market in the UK.
- Describes in detail the process of debt recovery for borrowers who have
fallen into repayment difficulties.
- Offers insight and recommendations for enhancing debt management and
recovery strategies.
Table of Contents
- DATAMONITOR VIEW
- ANALYSIS
- The personal loan market is bracing itself for rising impairments
- Personal loan balances have grown partially due to higher default rates
- Arrears and delinquency rates will continue to rise during the
recession
- Impairment provisions will continue to grow as banks adapt to the
worsening economic climate
- Growing unemployment will result in a larger non-standard population
adversely affecting impairments
- Prevention of bad debts is better than the cure in the current climate
- Most banks have similar methods for debt recovery and collection
- Determining customer intentions is crucial for future loan portfolio
performance
- Stringent lending policies are often the best way to minimize
potential defaults
- Financial advice could be one way to prevent borrowers from falling
into delinquency
- A delinquency needs to be identified and resolved as soon as possible
- Quick identification of arrears and delinquency is the most important
aspect of debt management
- Customer segmentation is vitally important in order to maximize debt
recovery
- There are three main solutions for borrowers who fall into repayment
difficulties
- Third party debt collection agencies are used once all other options
are exhausted
- APPENDIX
- Supplementary data
- Definitions
- Arrearage
- Balances outstanding
- CCJs
- Delinquency
- Gross advances
- Impairment charge
- Impairment provision
- Non-standard
- Secured personal loan
- Unsecured personal loan
- Methodology
- Sizing methodology for the UK non-standard population
- Step 1: The number of people in the UK of working age
- Step 2: Absence of a bank account
- Step 3: Unemployment
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
- TABLES
- Table: Loan impairment provisions for the main high street banks,
2005--07
- Table: Personal loan gross advances and balances outstanding, January
2007--September 2008
- Table: Loan provisions as a percentage of total lending, 2005--07
- Table: The non-standard population, 2004--08
- Table: UK non-standard population forecast under the Datamonitor view,
2008--13f
- FIGURES
- Figure: Unsecured personal loan advances have been falling while
balances outstanding have grown, January 2007--September 2008
- Figure: Only a few lenders increased their proportion of total loan
provisions for impairments, 2005--07
- Figure: 2008 witnessed a massive growth in the number of non-standard
individuals, 2004--08
- Figure: Under the Datamonitor view the non-standard population will
increase significantly over the next five years, 2008--13f
- Figure: Every bank aims to resolve a bad debt as quickly and effectively
as possible, 2009
- Figure: Lloyds TSB' s budget calculator aggregates all outgoings thus
providing a realistic budget representation for any consumer, 2009
- Figure: Datamonitor' s definition of non-standard
- Figure: A certain degree of subjectivity is needed in a definition of
the non-standard population because some lenders are inevitably willing to
accept greater risk than others
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