市场调查报告书
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1498545
欧洲担保市场规模和预测(2021 - 2031)、区域份额、趋势和成长机会分析报告范围:按债券类型(合约担保债券和商业担保债券)、最终用户(个人和企业)和国家/地区Europe Surety Market Size and Forecast (2021 - 2031), Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Bond Type (Contract Surety Bond and Commercial Surety Bond), End Users (Individuals and Enterprises), and Country |
欧洲担保市场规模预计将从 2023 年的 41.3 亿美元增至 2031 年的 65.3 亿美元。
保证金是一种具有法律强制性的协议,可确保履行义务,或在不遵守规定的情况下提供赔偿以弥补未履行的义务。这涉及三方:委託人(购买债券并承诺履行义务)、担保人(发行债券的公司)和债权人(需要债券的实体)。担保债券是完成特定义务的财务担保,让债券持有人对其专业或个人承诺负责。它们透过确保合规性、付款或行为的履行来保护政府、企业和个人免受经济损失。保证金的主要原则是在承包商违约的情况下确保合约的完成。它们还可以确保政府合约的完成,弥补法律案件造成的损失,或保护公司免受员工不诚实的影响。
欧洲市场最近的趋势是银行和担保公司之间不断加强合作,以发展分销并提供风险保障。预计这种合作将为欧洲担保市场参与者创造繁荣的机会。儘管银行推动了欧洲地区的担保市场,但资本监管正在促使银行与担保公司分享一些不确定性。这使银行能够降低风险并实现更具成本效益的投资组合管理。此外,担保人还可以帮助银行加强客户关係、扩大市场份额或进入新的利基市场。此外,与银行的合作使担保人能够接触到他们原本无法接触到的客户和市场。另外,预计关键的挑战来自于开发这些新的市场分布。与银行作为容量提供者不同,担保公司是债券承销商。这可能会给担保提供者赢得新客户带来挑战,而新客户更倾向于容量提供者。儘管担保提供者提供同等的投资组合,但始终存在逆向选择的风险。
欧洲担保市场面临的另一个主要挑战是新参与者的进入以及现有参与者的地理扩张,导致竞争加剧。同时,客户的需求也在不断增长。因此,能够满足这些不断变化的客户需求的担保提供者有望在欧洲担保市场上维持并有效竞争。
Liberty Mutual Insurance Company、CNA FINANCIAL CORPORATION、Chubb、The Travelers Indemnity Company、Atradius NV、Allianz SE、Arthur J. Gallagher & Co.、Zurich Insurance Company Ltd、Coface 和 Credendo 是欧洲担保市场的知名参与者。欧洲担保市场报告强调了推动市场的关键因素和知名参与者的发展。
欧洲担保市场的总体规模是透过主要和次要来源得出的。使用内部和外部来源进行了详尽的次要研究,以获得与此相关的定性和定量资讯。该过程还有助于了解欧洲担保市场所有细分市场的概况。此外,我们还与业界参与者进行了多次初步访谈,以验证资料并获得分析见解。该流程包括副总裁、业务开发经理、市场情报经理和国家销售经理等行业专家,以及专门研究欧洲担保市场的评估专家、研究分析师和关键意见领袖等外部顾问。欧洲担保市场预测可以帮助该市场的利害关係人规划其成长策略。
The Europe surety market size is projected to reach US$ 6.53 billion by 2031 from US$ 4.13 billion in 2023. The market is expected to register a CAGR of 5.9% in 2023-2031.
A surety bond is a legally mandatory agreement that ensures the fulfillment of obligations or, in case of non-compliance, provides compensation to cover the unmet obligations. This involves three parties: the principal (who purchases the bond and commits to fulfilling an obligation), the surety (the company issuing the bond), and the obligee (the entity requiring the bond). Surety bonds are a financial guarantee for the completion of specific obligations, holding bondholders accountable for their professional or personal commitments. They protect the government, businesses, and individuals from financial loss by ensuring compliance, payment, or performance of an act. The primary principle of a surety bond is to ensure the completion of contracts in the event of contractor default. They can also guarantee the completion of government contracts, cover losses resulting from legal cases, or safeguard companies from employee dishonesty.
A recent trend in the European market is the growing cooperation between banks and Surety companies to develop distribution and to offer cover for risks. Such cooperation is anticipated to develop prosperous opportunities for the Europe surety market players. Although banks propel the surety market in the European region, capital regulations are driving them to share some of their uncertainties with surety companies. This enables banks to mitigate their risks and achieve more cost-effective portfolio management. Moreover, surety players facilitate banks to enhance their customer relationships and expand their market share or enter new, niche markets. Also, cooperation with banks enables surety players to access clients and markets that were otherwise not reachable to them. Alternatively, the key challenge is expected from developing these new market distributions. Unlike banks being capacity providers, surety companies are bond underwriters. This could bring out a challenge for surety providers in gaining new customers, who are more inclined towards capacity providers. Although surety providers offer an equivalent portfolio, there is always a risk of adverse selection.
Another major challenge prevailing in the European surety market is the entrance of new players as well as the geographical expansion of existing players, resulting in intensifying competition. Simultaneously, the customers' needs are constantly growing. Thus, surety providers who are capable of fulfilling these evolving customers' needs are expected to sustain and compete efficiently in the Europe surety market.
Liberty Mutual Insurance Company, CNA FINANCIAL CORPORATION, Chubb, The Travelers Indemnity Company, Atradius N.V., Allianz SE, Arthur J. Gallagher & Co., Zurich Insurance Company Ltd, Coface, and Credendo are among the prominent players profiled in the Europe surety market. The Europe surety market report emphasizes the key factors driving the market and prominent players' developments.
The overall Europe surety market size has been derived using both primary and secondary sources. Exhaustive secondary research has been conducted using internal and external sources to acquire qualitative and quantitative information related to the. The process also helps obtain an overview of the Europe surety market with respect to all the market segments. Also, multiple primary interviews have been conducted with industry participants to validate the data and gain analytical insights. This process includes industry experts such as VPs, business development managers, market intelligence managers, and national sales managers, along with external consultants such as valuation experts, research analysts, and key opinion leaders, specializing in the Europe surety market. The Europe surety market forecast can help stakeholders in this marketplace plan their growth strategies.