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市場調査レポート - 235742

米国の債権回収業:産業分析(第8版)

U.S. Debt Collection Agencies: An Industry Analysis (8th Edition)

発行 MarketData Enterprises, Inc.
出版日 ページ情報 英文 186 Pages
価格
米国の債権回収業:産業分析(第8版) U.S. Debt Collection Agencies: An Industry Analysis (8th Edition)
出版日: 2012年04月03日 ページ情報: 英文 186 Pages
概要

当レポートでは、米国の債権回収業の現状と見通しについて調査分析し、産業の性質・特徴、消費者および企業の負債状況、回収に関する苦情・課題・法的措置、回収額の実績・予測、従来型の回収方法と新しい回収技術、主要回収業者のプロファイル・市場シェアなどをまとめ、概略下記の内容でお届けいたします。

イントロダクション:調査範囲・情報源・調査手法

エグゼクティブオーバービュー・主な調査結果

産業の性質と状況

FDCPAと回収事業者に対する消費者の苦情

  • 回収における迷惑行為・非倫理的/不法行為・プライバシー侵害などに関する苦情
  • FTCによる新しい法規制/罰金・和解事例・新法
  • 「1977 Fair Debt Collection Practices Act」
  • FDCPAに関するFTCのレポート
  • 回収事業者による違反行為のタイプ

主な産業動向・需要影響因子

  • 債権回収事業は不況に強いか?
  • 消費者負債の拡大と2011年の動向
  • 破産動向の動向:個人と企業
  • ビジネスへの主要影響因子
    • 事業統合
    • 消費者負債額の増加
    • 債権購入市場の出現
    • インドへの回収事業のアウトソース
    • ウェブベースのアプリケーション
    • コールセンターの進歩
    • 国際的拡大
    • IRSアウトソーシング、など
  • 差し押さえの動向
  • Kaulkin Ginsbergによる最新調査およびレポートの要点
  • 新しい回収技術
    • コンピューター・通信システムの統合
    • 事前認証によるドラフトプリンティング
    • 追跡集金
    • 予測ダイアリング
    • 小切手照合
    • コンピューターデータベース、など

産業規模・成長率・市場区分分析・予測

  • 需要インジケーター
  • 受取額推計の比較
    • U.S. Census Bureau
    • Kaulkin Ginsberg
    • PriceWaterhouseCoopers
    • Ernst & Young
    • Marketdata
  • 不況の回収率と収益への影響
  • 主要企業の成長率:2011 vs 2010年
  • 消費者・医療・政府・通信市場の推計
  • 市場実績(2008-2011年)・予測(〜2016年)
  • 各種市場区分・ニッチ市場、など

未回収の税金

  • PriceWaterhouseCoopersの調査結果
  • Treasury Offset Program
  • アウトソーシングへの反対意見、など

債務整理・回収サービスの経済構造・各種レシオ

  • ACA Benchmarking Surveyの調査結果
  • サマリー
    • 事業者数
    • 年間回収額
    • 人件費
    • 企業あたりの平均回収額
    • 企業の法的形態、など
  • 15年間の産業概要:1992-2007年

回収事業者のプロファイル

  • NCO Financial Systems (and Outsourcing Solutions Inc.)
  • Encore Capital Group
  • Asset Acceptance Capital
  • iQor (Intellirisk Management)
  • Convergent Resources

リファレンス

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次

Abstract

This newly updated bestseller by Marketdata examines the $12 billion business of debt collection agencies. Complaints by consumers about harassment by collectors still exists and tops the list of complaints to the FTC. With the recession, it has gotten worse, since it has become more difficult to collect on (liquidate) accounts. Lots of accounts are being placed, but colleting is more difficult, since many consumers are still out of work, have high debt service loads, face high gas prices, and are struggling to pay for the necessities, with little left over to repay debts.

Collections is a fragmented business of 4,500 mostly small firms. Major consolidation has taken place amongst collections agencies since the late 1990's, and one firm, NCO Financial Systems, now accounts for $1.5 billion in sales, by virtue of acquiring its biggest competitor (OSI Solutions). Technology is making firms more efficient and profitability had risen until the recession hit. After a period of strong growth from 1999-2004, top-line revenue growth has slowed substantially - only 3.9% last year. Industry receipts fell by nearly 10% in 2008-2009 - the first time in 20 years. Future growth will have to come from untapped niche segments such as healthcare accounts, legal, cell phone bills, municipal government, and outsourced IRS tax debt.

The study examines industry revenues/growth, competitor profiles/rankings, consumer debt trends and industry issues, extensive operating ratios, etc. Covers national revenues (1987-2010 actual, 2011 estimates, 20012 & 2016 forecasts), latest Census data industry operating ratios. The study examines consumer debt trends, foreclosure trends, bankruptcy trends, the debt buying market, outsourcing, status of IRS tax debt business, major market segments and more.

Contains 49 tables and charts. This report is also sold by chapters. Call for prices.

Table of Contents

Introduction: Report Scope, Sources of Information, Methodology

Executive Overview of Major Findings

  • Discussion of major findings, status of the industry, industry structure, nature of the profession, major trends affecting collections agencies, industry receipts: (1987-2010 actual, 2011-2012 est., 2016 forecast) - major competitors' mkt. share, consolidation, collection methods, recovery rates, debt buying, effects of the recession, mkt. segments, commercial vs. consumer accts., new technologies, latest Census ratios, consumer debt trends/other demand indicators, other industry analysts' opinions - highlights of ALL study chapters.

Nature & Status Report of the Industry

  • Definition & characteristics of the business: history & development, Census NAICS codes, how services operate, no. of services nationwide/recent consolidation/mergers
  • Status Report: Number of agencies in U.S., profitability, growth, no. of workers, effect of the recession, etc.
  • Findings/opinion of Kaulkin Ginsberg, ACA trade group, Faulkner & Gray (recent surveys, discussion of major trends)
  • Collection Techniques: discussion of "traditional" collection techniques & how agencies operate (letters, phone calls, legal action, use of operatives), what methods work best, current recovery rates, contingency fees, customer specializations.

FDCPA & Consumer Complaints About Debt Collectors

  • Discussion of major complaints about collection harassment and unethical/illegal practices, privacy issues.
  • Recent legislation/fines by FTC, settlements, new rules
  • Definition and explanation of 1977 Fair Debt Collection Practices Act, history/legislative background
  • State actions by NY Attorney General against collection firms
  • FTC report on FDCPA: act requirements, prohibitions, etc.
  • Types of violations committed by debt collectors, by % of total complaints in 2010, FTC enforcement examples

Tables:

  • Table: 2010 no. of consumer complaints by type

Major Industry Trends & Factors Affecting Demand

  • Industry placements volume rises but liquidations fall, is this industry recession-proof or even recession-resistant ?
  • Summary: The growth of consumer debt/trends through 2011: (Federal Reserve, BEA, consulting firms data), delinquencies & charge-off rates, foreclosures
  • Bankruptcy trends: personal vs. business, discussion of Chapter 7, 11, 13 types, peak levels and reasons, regional differences
  • Major trends affecting the business - discussion of consolidation, increased consumer debt, emergence of the "debt buying mkt." ($ size, no. of competitors, trade group), outsourcing of collections to India, Web-based applications, call center advances, international expansion, IRS outsourcing, client consolidation, status of debt buying market.
  • Foreclosure trends: foreclosure rates, delinquencies, states with highest rates
  • Findings of latest Kaulkin Ginsberg research/reports
  • Emerging collection technologies - integration of computer/telecommun. systems, pre-authorized draft printing (leading firms, how service works, software vs. service bureau approaches), skip tracing, predictive dialing, check verification & computer databases.

Tables:

  • Consumer credit outstanding and finance rates: 1992-2011
  • Ratios of debt payments to family income: 1998 to 2007
  • U.S. non-commercial bankruptcies, by type: 1991-2011

Industry Size, Growth, Segments & Forecasts

  • Demand indicators: growth in "placements" value (Amer. Collectors Assn.), limitations of data, opinions, how recession-proof is the business?
  • Comparison of industry receipts estimates by: U.S. Census Bureau, Kaulkin Ginsberg, PriceWaterhouseCoopers, Ernst & Young, Marketdata
  • Effects of the recession on collectability and revenues
  • Growth of leading companies, 2011 vs. 2010
  • Estimated value of consumer, medical, government, communication markets.
  • 2010-2011 performance/growth/rationale, 2016 forecasts: discussion of growth/reasons and contributing factors, opinions of Kaulkin Report, industry competitors, analysts, short and long-term factors affecting demand and growth, weighted sales increase of top competitors.
  • Market segments & niches: consumer vs. commercial accounts, estd. share of industry volume

Tables:

  • *Industry receipts (1987-2010 Census), Marketdata estimates/projections for 2011 & 2012, 2016 forecasts ($ value, % changes)
  • *Industry receipts by: consumer, healthcare, gov't., telecommun., other (2011)
  • *Debt recovered by collection agencies, by state: $, 2010

Government Tax Debt: A Status Report

  • Findings of PriceWaterhouseCoopers study: amounts referred and collected.
  • In-depth discussion of government tax debt, possible huge new market represented by IRS outsourcing of collections to outside agencies: tax debt, non-tax debt, child support, Treasury Dept. & other programs status as of FY 2010, actual collections
  • Explanation of Treasury Offset Program - FY 2010 results, amounts, child support, cross servicing
  • Objections to outsourcing

Industry Economic Structure & Operating Ratios

  • Findings of past ACA Benchmarking Survey: expenses as % gross revenues, liquidation percentages, cost per acct., acct. size, collections per employee
  • Summary, discussions of: no. of services, annual receipts (2007 vs. 2002), payroll costs, avg. receipts per firm/establishment, legal form of firms, concentration levels for 50 largest firms, single vs. multi-unit operations, services by receipts size of firms & individual estabs., top 10 states (mkt. potential, $ value of receipts), avg. receipts per service, by state
  • 15-year snapshot of the industry - 1992-2007, key ratios.

Tables:

  • Legal format - corporations, partnerships, proprietorships (no. of estabs., receipts, payroll as % receipts, avg. receipts (2007, 2002, 1997)
  • Concentration ratios: largest 4, 8, 20, 50 firms (no. of estabs., revenues, as % total industry, payroll, no. of workers (2007, 2002, 1997)
  • Single vs. multi-unit firms (1, 2, 3-4, 5-9, 10+ facilities) no. of firms, estabs., receipts, avg. receipts, payroll costs (2007, 2002, 1997)
  • Annual receipts size of FIRMS, measures as above, 11 sales size classes from $100 mill. to under $10,000 (2007, 2002, 1997)
  • Annual receipts size of individual ESTABLISHMENTS, ratios as above, 11 classes: $10+ mill. to under $10,000 (2007, 2002, 1997)
  • State analysis: No. of total adjustment & collection services, receipts, avg. receipts per estab., % of national receipts for 50 states (2007, 2002)
  • Estabs. & receipts, by major city (2007, 1997)

Collection Agency Competitor Profiles

(company overview & business description, products, strategies, recent acquisitions, operations, recent developments, financial summary - 2009-2001 and prior years)

  • NCO Financial Systems (and Outsourcing Solutions Inc.)
  • Encore Capital Group
  • Asset Acceptance Capital
  • iQor (Intellirisk Management)
  • Convergent Resources

Tables:

  • Largest collection firms, ranked by revenues: 2007, 2008, 2009, 2010, 2011
  • Top debt buyer companies, ranked by 2008 & 2007 revenues
  • 50 largest firms, by collection agency placements: 2005 (First Detroit ranking)
  • 50 largest collection agencies, by revenues: 2005 (First Detroit ranking)
  • 50 largest collection firms, by no. of branch offices: 2005 (First Detroit ranking)

Reference Directory of Industry Information Sources

  • Name/address/phone/key contacts of credit and collections trade groups, journals, magazines, directories, federal and state agencies, etc.
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