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市場調查報告書
商品編碼
1669225
市場佔有率與預測：2023年至2028年全球商業貸款發放系統（CLOS）工具（2 份報告合集）Market Share and Forecast: Commercial Loan Origination System (CLOS) Tools, 2023-2028, Worldwide (Bundle of Two Reports) |
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市場佔有率
QKS 集團透露，商業貸款發放系統（CLOS）市場預計到2028年將實現 8.70%的年複合成長率。
貸款產業經歷重大轉型，帶來更具成本效益的貸款方式。然而，數位轉型的快速加速為銀行和金融機構（FI）帶來了新的挑戰。傳統系統速度慢，缺乏貸款發放流程所需的工作流程功能，且不提供確保合規所需的進階報告功能。這些缺陷導致了營運效率低下和代價高昂的錯誤。貸款業務本質上需要大量的文件，必須從透過多種管道獲得的各種不同文件中進行細緻的處理和審查。傳統系統使核保過程變成了一項漫長而耗時的工作，加劇了這種情況。此外，人們擔心核保階段可能會忽略重要的指標和訊息，這可能導致貸款申請人的信用風險評分不準確。為了應對這些挑戰，供應商推出創新的商業貸款發放系統，全面管理和自動化貸款流程的整個生命週期。這些系統的建立是為了克服遺留系統的局限性，提高營運效率，減少錯誤，並提供更簡化、合規的貸款流程。
市場預測
QKS 集團透露，商業貸款發放系統（CLOS）市場預計到2028年將實現 8.7%的年複合成長率。
CLOS（商業貸款發放系統）是一種軟體，可協助銀行和金融機構（FI）最佳化和監督各種規模的組織（從大型公司到中小型企業）的端到端商業貸款流程。這包括貸款的發放、處理、分配和持續監控等廣泛的活動。該軟體由幾個相互關聯的模組組成，包括應用程式創建、了解你的客戶（KYC）處理、承保、文件管理、貸款服務和拖欠管理。此解決方案利用巨量資料和分析、AI/ML模型進行自動化利差和比率分析，使金融機構能夠全面評估與企業及其所有者相關的信用風險，並提高信用評分的準確性和效率。人工智慧聊天機器人可以自主地為客戶提供支持，最大限度地減少/消除人工干預的需要。雲端運算透過文件儲存功能、可擴充性選項、資料整合功能和強大的安全協議顯著簡化了整個貸款處理工作流程。此外，雲端技術的整合可確保全天候存取，而微服務架構則支援業務可擴展性。
目錄
市場佔有率：
第1章 執行摘要
- 主要調查結果
- 關鍵預測
- 主要趨勢
- 市場概況
第2章 市場概覽
- 市場定義和範圍
- 影響市場的主要因素
- 驅動因素和限制因素
第3章 市場分析
- CLOS 全球市場佔有率分析
第4章 市場佔有率分析
- 各地區市場佔有率
- 市場佔有率：全球
- 市場佔有率：美國
- 市場佔有率：加拿大
- 市場佔有率：拉丁美洲
- 市場佔有率：西歐
- 市場佔有率：中歐和東歐
- 市場佔有率：中東和非洲
- 市場佔有率：中國
- 市場佔有率：亞太地區（日本和中國除外）
- 市場佔有率：日本
- 市場佔有率：依行業
- 市場佔有率：媒體與娛樂
- 市場佔有率：零售
- 市場佔有率：BFSI
- 市場佔有率：旅遊與旅館業
- 市場佔有率：教育
- 市場佔有率：公共部門
- 市場佔有率：醫療保健與生命科學
- 市場佔有率：汽車
- 市場佔有率：食品和飲料
- 市場佔有率：依部署類型
- 市場佔有率：本地
- 市場佔有率：雲端運算
- 市場佔有率：依客戶類型
- 市場佔有率：中小型企業
- 市場佔有率：大公司
- 市場佔有率：企業
第5章 公司簡介
- 公司簡介
- 分析師的觀點與分析
第6章 附錄
- 研究方法
市場預測：
第1章 執行摘要
- 主要調查結果
- 關鍵預測
- 主要趨勢
- 市場概況
第2章 市場概覽
- 市場定義和範圍
- 影響市場的主要因素
- 驅動因素和限制因素
第3章 市場分析
- 全球 CLOS 市場預測分析
第4章 市場預測分析
- 市場預測：依地區
- 市場預測：全球
- 市場預測：美國
- 市場預測：加拿大
- 市場預測：拉丁美洲
- 市場預測：西歐
- 市場預測：中歐與東歐
- 市場預測：中東與非洲
- 市場預測：中國
- 市場預測：亞太地區（日本和中國除外）
- 市場預測：日本
- 市場預測：依行業
- 市場預測：媒體與娛樂
- 市場預測：零售
- 市場預測：BFSI
- 市場預測：旅遊與旅館業
- 市場預測：教育
- 市場預測：公共部門
- 市場預測：醫療保健與生命科學
- 市場預測：汽車
- 市場預測：食品和飲料
- 市場預測：依部署類型
- 市場預測：本地
- 市場預測：雲端
- 市場預測：依客戶類型
- 市場預測：中小企業
- 市場預測：大型企業
- 市場預測：企業
第5章 公司簡介
- 公司簡介
- 分析師的觀點與分析
第6章 附錄
- 研究方法
This product includes two reports: Market Share and Market Forecast.
Market Share Description:
QKS Group Reveals that Commercial Loan Origination System (CLOS) Market is Projected to Register a CAGR of 8.70% by 2028.
The lending sector has undergone a significant transformation, leading to more cost-effective lending practices. However, the rapid acceleration of digital transformation is introducing new challenges for banks and financial institutions (FIs). Legacy systems, marked by inadequate processing speed, lack the essential workflow capabilities for the loan origination process and fail to offer advanced reporting features necessary for ensuring compliance. These deficiencies are resulting in operational inefficiencies and costly errors. Lending operations inherently involve extensive documentation, requiring the meticulous processing and review of diverse documents sourced from multiple channels. Legacy systems exacerbate this by prolonging the underwriting process, turning it into a time-consuming endeavour. Additionally, they raise concerns about overlooking critical metrics and information during the underwriting phase, which can lead to inaccuracies in credit risk scoring for loan applicants. To address these challenges, vendors are introducing innovative commercial loan origination systems that comprehensively manage and automate the entire lifecycle of the loan process. These systems are purpose-built to overcome the limitations of legacy systems, enhance operational efficiency, reduce errors, and ensure a more streamlined and compliant lending process.
Quadrant Knowledge Solutions defines Commercial loan Origination System (CLOS) as "A Commercial Loan Origination System (CLOS) is a software solution that streamlines and manages the entire end-to-end commercial lending process encompassing tasks such as loan origination, processing, distribution, and monitoring of commercial loans for large to mid and small organizations. A typical CLOS software comprises of various modules such as application generation, KYC processing, underwriting, documentation, loan servicing and delinquency management. An end-to-end CLOS solution aids organizations in augmenting revenue, effectively managing risk, improving operational efficiency, as well as providing seamless customer experiences."
Financial institutions are progressively embracing the adoption of Commercial Loan Origination Systems (CLOS) to enhance operational efficiencies and elevate the overall customer experience. This sophisticated solution proves instrumental in assisting financial institutions (FIs) in addressing multifaceted issues, including data inconsistency, redundancy, process fragmentation, and the intricacies of credit assessment and evaluation. By doing so, it facilitates the generation of actionable insights that lead to significant cost reductions in loan application processing. Furthermore, the intensification of global regulations and compliance requirements is ushering in an era of heightened scrutiny concerning data privacy and transparency by regulatory bodies. In response, Commercial Loan Origination System (CLOS) vendors are actively enhancing their offerings to ensure robust compliance and advanced reporting capabilities. Notably, a subset of financial institutions has also recognized the merits of deploying this solution as a cloud-based service, characterized by a resilient microservices architecture. This strategic choice always guarantees the availability of the system and across geographical boundaries, aligning with the imperative of uninterrupted access and enhanced scalability.
Market Forecast Description:
QKS Group Reveals that Commercial Loan Origination System (CLOS) Market is Projected to Register a CAGR of 8.7% by 2028.
A Commercial Loan Origination System (CLOS) is a software that optimizes and oversees the complete end-to-end commercial lending procedure for Banks and financial institutions (FIs), catering to organizations of varying sizes, from large enterprises to mid-sized and smaller entities. This encompasses a wide array of activities, including loan origination, processing, distribution, and continuous monitoring. The software consists of multiple interrelated modules, encompassing application generation, Know Your Customer (KYC) processing, underwriting, documentation management, loan servicing, and delinquency management. The solution leverages big data and analytics, and AI/ML models for automated spreading and ratio analysis which empowers FIs to comprehensively evaluate the credit risk associated with businesses and their owners, enhancing the precision and efficiency of credit assessment. AI-driven chatbots facilitate customer support autonomously, minimizing/ eliminating the necessity for human intervention. Cloud computing significantly streamlines the entire loan processing workflow, with its document storage capabilities, scalability options, data integration capabilities, and robust security protocols. The integration of cloud technology also ensures 24X7 accessibility while accommodating operational expansion through its microservices architecture.
TABLE OF CONTENTS
Market Share:
Chapter 01: Executive Summary
- Key Research Findings
- Top Predictions
- Top Trends
- Market Summary
Chapter 02: Market Overview
- Market Definition and Scope
- Key Factors Impacting the Market
- Drivers & Restraints
Chapter 03: Market Analysis
- Global CLOS Market Share Analysis
Chapter 04: Market Share Analysis
- Market Share by Region
- Market Share Worldwide
- Market Share USA
- Market Share Canada
- Market Share Latin America
- Market Share Western Europe
- Market Share Central & Eastern Europe
- Market Share Middle East & Africa
- Market Share China
- Market Share APAC Ex Japan & China
- Market Share Japan
- Market Share by Industry Verticals
- Market Share by Media & Entertainment
- Market Share by Retail
- Market Share by BFSI
- Market Share by Travel & Hospitality
- Market Share by Education
- Market Share by Public Sector
- Market Share by Healthcare & Life Science
- Market Share by Automotive
- Market Share by Food & Beverage
- Market Share by Deployment Type
- Market Share by Deployment Type: On prem
- Market Share by Deployment Type: Cloud
- Market Share by Customer Type
- Market Share by SMB
- Market Share by Large
- Market Share by Enterprise
Chapter 05: Company Profile
- Company Overview
- Analyst Perspectives and Analysis
Chapter 06: Appendix
- Research Methodologies
Market Forecast:
Chapter 01: Executive Summary
- Key Research Findings
- Top Predictions
- Top Trends
- Market Summary
Chapter 02: Market Overview
- Market Definition and Scope
- Key Factors Impacting the Market
- Drivers & Restraints
Chapter 03: Market Analysis
- Global CLOS Market Forecast Analysis
Chapter 04: Market Forecast Analysis
- Market Forecast by Region
- Market Forecast Global
- Market Forecast USA
- Market Forecast Canada
- Market Forecast Latin America
- Market Forecast Western Europe
- Market Forecast Central & Eastern Europe
- Market Forecast Middle East & Africa
- Market Forecast China
- Market Forecast APAC Ex Japan & China
- Market Forecast Japan
- Market Forecast by Industry Verticals
- Market Forecast by Media & Entertainment
- Market Forecast by Retail
- Market Forecast by BFSI
- Market Forecast by Travel & Hospitality
- Market Forecast by Education
- Market Forecast by Public Sector
- Market Forecast by Healthcare & Life Science
- Market Forecast by Automotive
- Market Forecast by Food & Beverage
- Market Forecast by Deployment Type
- Market Forecast by Deployment Type: On prem
- Market Forecast Deployment Type: Cloud
- Market Forecast by Customer Type
- Market Forecast by SMB
- Market Forecast by Large
- Market Forecast by Enterprise
Chapter 05: Company Profile
- Company Overview
- Analyst Perspectives and Analysis
Chapter 06: Appendix
- Research Methodologies
LIST OF FIGURES
Market Share:
- Fig. 1 Market Share of Commercial Loan Origination System (CLOS) 2023
- Fig. 2 Market Share of Commercial Loan Origination System (CLOS) USA, 2023
- Fig. 3 Market Share of Commercial Loan Origination System (CLOS) Latin America, 2023
- Fig. 5 Market Share of Commercial Loan Origination System (CLOS) Western Europe, 2023
- Fig. 6 Market Share of Commercial Loan Origination System (CLOS)) Central & Eastern Europe, 2023
- Fig. 7 Market Share of Commercial Loan Origination System (CLOS) Middle East & Africa, 2023
- Fig. 8 Market Share of Commercial Loan Origination System (CLOS) Asia excluding Japan and China, 2023
- Fig. 9 Market Share of Commercial Loan Origination System (CLOS) Japan, 2023
- Fig. 10 Market Share of Commercial Loan Origination System (CLOS) China, 2023
- Fig. 11 Market Share of Commercial Loan Origination System (CLOS) IT & Telecom Industry, 2023
- Fig. 12 Market Share of Commercial Loan Origination System (CLOS)) Banking & Financial Services Industry, 2023
- Fig. 13 Market Share of Commercial Loan Origination System (CLOS) Insurance Industry, 2023
- Fig. 14 Market Share of Commercial Loan Origination System (CLOS)) Healthcare Industry, 2023
- Fig. 15 Market Share of Commercial Loan Origination System (CLOS) Government & Public Sector, 2023
- Fig. 16 Market Share of Commercial Loan Origination System (CLOS) & eCommerce, 2023
- Fig. 17 Market Share of Commercial Loan Origination System (CLOS) Manufacturing, 2023
- Fig. 18 Market Share of Commercial Loan Origination System (CLOS) Hospitality, 2023
- Fig. 19 Market Share of Commercial Loan Origination System (CLOS)) On-premises Deployment, 2023
- Fig. 20 Market Share of Commercial Loan Origination System (CLOS) Cloud Deployment, 2023
- Fig. 21 Market Share of Commercial Loan Origination System (CLOS) SMB Customers, 2023
- Fig. 22 Market Share of Commercial Loan Origination System (CLOS) Large Customers, 2023
- Fig. 23 Market Share of Commercial Loan Origination System (CLOS) Enterprise Customers, 2023
Market Forecast:
- Fig. 1 Market Forecast of Commercial Loan Origination Systems (CLOS) Worldwide, 2024-2028
- Fig. 2 Market Forecast of Commercial Loan Origination Systems (CLOS), 2024-2028
- Fig. 3 Market Forecast of Commercial Loan Origination Systems (CLOS) Canada, 2024-2028
- Fig. 4 Market Forecast of Commercial Loan Origination Systems (CLOS) Latin America, 2024-2028
- Fig. 5 Market Forecast of Commercial Loan Origination Systems (CLOS) Western Europe, 2024-2028
- Fig. 6 Market Forecast of Commercial Loan Origination Systems (CLOS) Central & Eastern Europe, 2024-2028
- Fig. 7 Market Forecast of Commercial Loan Origination Systems (CLOS) East & Africa, 2024-2028
- Fig. 8 Market Forecast of Commercial Loan Origination Systems (CLOS) Asia excluding Japan and China, 2024-2028
- Fig. 9 Market Forecast Commercial Loan Origination Systems (CLOS) Japan, 2024-2028
- Fig. 10 Market Forecast of Commercial Loan Origination Systems (CLOS) China, 2024-2028
- Fig. 11 Market Forecast of Commercial Loan Origination Systems (CLOS) IT & Telecom Industry, 2024-2028
- Fig. 12 Market Forecast of Commercial Loan Origination Systems (CLOS) Banking & Financial Services Industry, 2024-2028
- Fig. 13 Market Forecast of Commercial Loan Origination Systems (CLOS) Industry, 2024-2028
- Fig. 14 Market Forecast of Commercial Loan Origination Systems (CLOS) Healthcare Industry, 2024-2028
- Fig. 15 Market Forecast of Commercial Loan Origination Systems (CLOS) Government & Public Sector, 2024-2028
- Fig. 16 Market Forecast of Commercial Loan Origination Systems (CLOS) Retail & eCommerce, 2024-2028
- Fig. 17 Market Forecast of Commercial Loan Origination Systems (CLOS) Manufacturing, 2024-2028
- Fig. 18 Market Forecast of Commercial Loan Origination Systems (CLOS) Hospitality, 2024-2028
- Fig. 19 Market Forecast of Commercial Loan Origination Systems (CLOS) On-premises Deployment, 2024-2028
- Fig. 20 Market Forecast of Commercial Loan Origination Systems (CLOS) Cloud Deployment, 2024-2028
- Fig. 21 Market Forecast of Commercial Loan Origination Systems (CLOS) SMB Customers, 2024-2028
- Fig. 22 Market Forecast of Commercial Loan Origination Systems (CLOS) Large Customers, 2024-2028
- Fig. 23 Market Forecast of Commercial Loan Origination Systems (CLOS) Enterprise Customers, 2024-2028
