市场调查报告书
商品编码
1119127
营运资金贷款全球市场规模研究,按服务提供商(银行、非银行金融机构、其他)和最终用户(企业、个人)分列,按地区预测 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 |
营运资金贷款可以定义为公司用于为其日常运营提供资金的一种贷款,从支付员工的工资和薪水到支付应付账款等。
这些贷款不用于购买长期资产或投资。营运资金贷款有多种形式,包括透支、货币信託、定期贷款、银行担保、包装信贷、信用证、应收账款贷款和装运后融资。新兴市场中小微企业不断增长的融资需求、贷款过程中新技术的使用以及大公司的战略举措都在推动全球市场的需求。例如,国际金融公司 (IFC) 估计,截至 2019 年,新兴经济体中近 6500 万家中小微企业 (MSME) 或 40% 的中小微企业 (MSME) 拥有 5.2 美元每年有数万亿资金未得到满足。有需求。这一数额是当前全球中小企业贷款水平的 1.4 倍。东亚和太平洋占全球资金需求的最大份额(46%),其次是拉丁美洲和加勒比(23%)以及欧洲和中亚(15%)。此外,主要市场参与者的战略举措,如业务扩张和创新产品推出,将影响营运资金借贷市场的增长。例如,2022 年 1 月,Murugappa 集团旗下的印度 Cholamandalam Investment and Finance Company (Chola) 将在消费者和中小企业领域推出三个新的业务部门,与 BankBazaar、KreditBee 和 Paytail 等主要参与者合作。与一家金融科技公司。通过中小企业部门,将从事定期贷款、营运资金贷款、资本设备贷款和供应链金融业务。此外,总部位于美国的花旗银行将于 2022 年 4 月在亚太地区 (APAC)、欧洲、中东和非洲 (EMEA) 以及拉丁美洲 (LATAM) 地区推出其可持续贸易和营运资金贷款 (Sustainable T&WC Loans) 解决方案。我们正在推出一种创新的新产品,名为我们还承诺到 2030 年实现 1 万亿美元的可持续金融、5000 亿美元的环境金融和 5000 亿美元的社会金融。私人银行和 NBFC 在新兴市场的渗透率不断提高,以及政府当局的积极举措也有望在预测期内推动市场需求。然而,高违约风险和利率波动阻碍了 2022-2028 年预测期内的市场增长。
全球营运资金贷款市场研究中考虑的关键区域是亚太地区、北美、欧洲、拉丁美洲和世界其他地区。由于中小企业数量的增加以及大型银行和金融机构的存在,北美已成为全球市场份额的主要地区。另一方面,预计亚太地区在 2022-2028 年的预测期内将出现显着增长。初创企业的蓬勃发展、私人银行和非银行金融机构的渗透率不断提高等因素为亚太地区的全球营运资金贷款市场创造了良好的增长前景。
本报告中包括的主要市场进入者是:
本研究的目的是确定近年来各个细分市场和国家的市场规模,并预测未来八年的价值。本报告旨在捕捉所研究的每个地区和国家的行业的定性和定量方面。此外,它还提供了有关关键方面的详细信息,例如定义市场未来增长的驱动因素和挑战。此外,报告还应详细分析主要参与者的竞争格局和产品供应,以及微观市场中可供利益相关者投资的机会。市场的详细细分和子细分如下所述。
按服务提供商
银行
非银行金融机构
其他
按最终用户
企业
个人
按地区
北美
美国
加拿大
欧洲
英国
德国
法国
西班牙
意大利
欧洲其他地区
亚太地区
中国
印度
日本
澳大利亚
韩国
其他亚太地区
拉丁美洲
巴西
墨西哥
世界其他地区
此外,本研究考虑的年份是:
实际年份 - 2018 年、2019 年、2020 年
2021 年基准年
预测期 - 2022-2028
本报告的目标受众是全球营运资金借贷市场。
主要咨询公司和顾问
大公司、中型公司、中小企业
风险投资
增值经销商 (VAR)
第三方知识提供者
投资银行家
投资者
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