市場調查報告書
商品編碼
1119127
營運資金貸款全球市場規模研究,按服務提供商(銀行、非銀行金融機構、其他)和最終用戶(企業、個人)分列,按地區預測 2022-2028Global Working Capital Loan Market Size study, By Service Provider (Banks, Non-Banking Financial Institutions, and Others) and End User (Business and Individuals), and Regional Forecasts 2022-2028 |
營運資金貸款可以定義為公司用於為其日常運營提供資金的一種貸款,從支付員工的工資和薪水到支付應付賬款等。
這些貸款不用於購買長期資產或投資。營運資金貸款有多種形式,包括透支、貨幣信託、定期貸款、銀行擔保、包裝信貸、信用證、應收賬款貸款和裝運後融資。新興市場中小微企業不斷增長的融資需求、貸款過程中新技術的使用以及大公司的戰略舉措都在推動全球市場的需求。例如,國際金融公司 (IFC) 估計,截至 2019 年,新興經濟體中近 6500 萬家中小微企業 (MSME) 或 40% 的中小微企業 (MSME) 擁有 5.2 美元每年有數萬億資金未得到滿足。有需求。這一數額是當前全球中小企業貸款水平的 1.4 倍。東亞和太平洋佔全球資金需求的最大份額(46%),其次是拉丁美洲和加勒比(23%)以及歐洲和中亞(15%)。此外,主要市場參與者的戰略舉措,如業務擴張和創新產品推出,將影響營運資金借貸市場的增長。例如,2022 年 1 月,Murugappa 集團旗下的印度 Cholamandalam Investment and Finance Company (Chola) 將在消費者和中小企業領域推出三個新的業務部門,與 BankBazaar、KreditBee 和 Paytail 等主要參與者合作。與一家金融科技公司。通過中小企業部門,將從事定期貸款、營運資金貸款、資本設備貸款和供應鏈金融業務。此外,總部位於美國的花旗銀行將於 2022 年 4 月在亞太地區 (APAC)、歐洲、中東和非洲 (EMEA) 以及拉丁美洲 (LATAM) 地區推出其可持續貿易和營運資金貸款 (Sustainable T&WC Loans) 解決方案。我們正在推出一種創新的新產品,名為我們還承諾到 2030 年實現 1 萬億美元的可持續金融、5000 億美元的環境金融和 5000 億美元的社會金融。私人銀行和 NBFC 在新興市場的滲透率不斷提高,以及政府當局的積極舉措也有望在預測期內推動市場需求。然而,高違約風險和利率波動阻礙了 2022-2028 年預測期內的市場增長。
全球營運資金貸款市場研究中考慮的關鍵區域是亞太地區、北美、歐洲、拉丁美洲和世界其他地區。由於中小企業數量的增加以及大型銀行和金融機構的存在,北美已成為全球市場份額的主要地區。另一方面,預計亞太地區在 2022-2028 年的預測期內將出現顯著增長。初創企業的蓬勃發展、私人銀行和非銀行金融機構的滲透率不斷提高等因素為亞太地區的全球營運資金貸款市場創造了良好的增長前景。
本報告中包括的主要市場進入者是:
本研究的目的是確定近年來各個細分市場和國家的市場規模,並預測未來八年的價值。本報告旨在捕捉所研究的每個地區和國家的行業的定性和定量方面。此外,它還提供了有關關鍵方面的詳細信息,例如定義市場未來增長的驅動因素和挑戰。此外,報告還應詳細分析主要參與者的競爭格局和產品供應,以及微觀市場中可供利益相關者投資的機會。市場的詳細細分和子細分如下所述。
按服務提供商
銀行
非銀行金融機構
其他
按最終用戶
企業
個人
按地區
北美
美國
加拿大
歐洲
英國
德國
法國
西班牙
意大利
歐洲其他地區
亞太地區
中國
印度
日本
澳大利亞
韓國
其他亞太地區
拉丁美洲
巴西
墨西哥
世界其他地區
此外,本研究考慮的年份是:
實際年份 - 2018 年、2019 年、2020 年
2021 年基準年
預測期 - 2022-2028
本報告的目標受眾是全球營運資金借貸市場。
主要諮詢公司和顧問
大公司、中型公司、中小企業
風險投資
增值經銷商 (VAR)
第三方知識提供者
投資銀行家
投資者
Global Working Capital Loan Market is valued approximately USD XX million in 2021 and is anticipated to grow with a healthy growth rate of more than XX % over the forecast period 2022-2028.
The Working Capital Loan can be defined as type of loan that is availed by businesses to fund the day-to-day operations of a business, ranging from payment of employees' wages and salaries to covering accounts payable etc. These loans are not used to buy long-term assets or investments. Working Capital Loans can be availed in different forms such as Overdraft Facility or Cash Credit, Term Loan, Bank Guarantee, Packing Credit, Letter of Credit, Accounts Receivable Loan and Post Shipment Finance among others The growing financing needs of micro, small and medium enterprises (MSMEs) in emerging markets and increasing utilization of new age technologies in lending process as well as strategic initiatives from leading market players are factors that are accelerating the global market demand. For instance, as per International Finance Corporation (IFC) estimates - as of 2019, In developing countries around 65 million firms, or 40% of micro, small and medium enterprises (MSMEs), have an unmet financing need of USD 5.2 trillion every year. This amount is equivalent to 1.4 times the current level of the global MSME lending. East Asia and Pacific accounts for the largest share (46%) of the total global finance gap and it is followed by Latin America and the Caribbean (23%) and Europe and Central Asia (15%). Furthermore, strategic initiatives from leading market players such as business expansion and innovative product launches would influence the growth of Working Capital loan Market. For instance, in January 2022, India based Cholamandalam Investment and Finance Company (Chola), a part of Murugappa Group launched three new business divisions in the consumer and SME spaces, and partnered with leading fintech companies like BankBazaar, KreditBee and Paytail. Through its SME division the company would work towards term-loan, working capital finance, equipment finance and supply chain finance. Moreover, in April 2022, USA based Citibank launched new innovative products named Sustainable Trade and Working Capital Loans (Sustainable T&WC Loans) solution in Asia Pacific (APAC), Europe, Middle East and Africa (EMEA) and Latin America (LATAM) regions. In addition, the Bank committed USD 1 trillion to sustainable finance by 2030, which includes USD 500 billion for environmental finance and USD 500 billion for social finance. Also, growing penetration of private banks & NBFCs in emerging markets and favorable initiatives from government authorities are anticipated to act as a catalyzing factor for the market demand during the forecast period. However, a high risk of defaults and volatility in interest rates impede the growth of the market over the forecast period of 2022-2028.
The key regions considered for the global Working Capital Loan Market study include Asia Pacific, North America, Europe, Latin America, and the Rest of the World. North America is the leading region across the world in terms of market share owing to the growing number of Small and Medium Sized businesses and presence of leading banks and financial institutions in the region. Whereas, Asia Pacific is anticipated to exhibit a significant growth rate over the forecast period 2022-2028. Factors such as the thriving growth of startups and, increasing penetration of private Banks and NBFCs in the region would create lucrative growth prospects for the global Working Capital Loan Market across the Asia Pacific region.
Major market players included in this report are:
US Bancorp
Bank of America Corporation
Wells Fargo & Company
Citibank
JPMorgan Chase & Co.
BB&T
PNC Financial Services Group Inc.
Regions Financial Corporation
JPMorgan Chase Bank
First Citizens Bancshares Incorporated
The objective of the study is to define market sizes of different segments & countries in recent years and to forecast the values to the coming eight years. The report is designed to incorporate both qualitative and quantitative aspects of the industry within each of the regions and countries involved in the study. Furthermore, the report also caters the detailed information about the crucial aspects such as driving factors & challenges which will define the future growth of the market. Additionally, the report shall also incorporate available opportunities in micro markets for stakeholders to invest along with the detailed analysis of competitive landscape and product offerings of key players. The detailed segments and sub-segment of the market are explained below:
By Service Provider
Banks
Non-Banking Financial Institutions
Others
By End User
Business
Individuals
By Region:
North America
U.S.
Canada
Europe
UK
Germany
France
Spain
Italy
ROE
Asia Pacific
China
India
Japan
Australia
South Korea
RoAPAC
Latin America
Brazil
Mexico
Rest of the World
Furthermore, years considered for the study are as follows:
Historical year - 2018, 2019, 2020
Base year - 2021
Forecast period - 2022 to 2028
Target Audience of the Global Working Capital Loan Market in Market Study:
Key Consulting Companies & Advisors
Large, medium-sized, and small enterprises
Venture capitalists
Value-Added Resellers (VARs)
Third-party knowledge providers
Investment bankers
Investors
List of figures