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米国の質屋産業分析

U.S. Pawnshops: An Industry Analysis

発行 MarketData Enterprises, Inc. 商品コード 241470
出版日 ページ情報 英文 111 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=115.27円で換算しております。
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米国の質屋産業分析 U.S. Pawnshops: An Industry Analysis
出版日: 2012年05月18日 ページ情報: 英文 111 Pages
概要

米国における質屋の数は現在1万1千店舗以上にのぼり、増加を続けています。昨年の市場規模額は、145億米ドルとなりました。

当レポートは、米国の質屋産業における店舗あたりの平均収益、顧客統計、主な産業動向、連邦/州の産業規制/価格の上限(キャップ価格)、金の価格および金購入/金スクラップ売上、顧客の債務水準などについて調査しており、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・ソース・調査手法

エグゼクティブサマリー:主な調査結果

  • 質屋ローンのしくみの説明、事業の性質、質屋の数/成長率、成長の原因
  • 主な市場動向・課題:リアリティテレビ番組を通したプラスのイメージ、政府による給料日貸付の監視、銀行による小口ローンの欠如、金価格の大幅な上昇、など
  • ノンバンクサービスの成長、貧困レベル以下で生活する人口増加の原因の調査
  • 質屋の顧客統計/プロファイル
  • 需要影響因子
  • 市場規模額・成長率:1999年〜2016年予測−2008年〜2009年の不況期、2010年〜2011年の回復期、2012年〜2016年の展望
  • 産業の操業率:国勢調査データ 2002年〜2007年 - 収益、質屋の数、1店舗あたりの平均収益、人件費、従業員数
  • 質屋チェーンのトップ3:Cash America, EZ Corp, First Cash Financial - 2010年〜2011年の収益

事業の性質

  • 消費者金融の初期の形態、概略
  • 米国の南東部および南西部に集中した、極めて分裂した産業
  • 質屋ローンのプロセス:調査
  • 関連サービス
  • 米国の質屋数:1989年〜2011年
  • 当たらしい産業動向
  • 商品価格の分析:1999年〜2012年

顧客統計・需要因子

  • Georgetown University Credit Research Center による調査のレビュー:主な調査結果(年齢、人種、性別、所得、など)
  • 産業成長促進因子の調査
  • National Pawnbrokers Association の調査 "Pawnbroking Industry Overview" の調査結果
  • 「非銀行利用者」人口の調査、2009年 FDIC 調査による20の主な調査結果(世帯数、人種、地域、所得、教育、婚姻区分、年齢、世帯が銀行口座を持たない理由)
  • 消費者金融の動向と滞納:債務の種類、増加の理由、家計所得関連の債務サービス支払い、債務種類の変化
  • 質流れの動向:2011年〜2012年の質流れ動向の調査、質流れ率、Mortgage Bankers Association の調査結果

産業の規制

  • 州規制のレビュー
  • 連邦規制のレビュー
  • Bank Secrecy Act, Money Laundering Suppression Act, USA Patriot Act, Gramm-Leach- Bliley Act の調査

市場規模・成長・予測

  • 産業収益・店舗数の予測:1999年〜2012年
  • 州の質屋団体のリーダーへのインタビュー結果:金価格/スクラップの販売/金のバイヤー、不況の影響、顧客プロファイル、商品販売について
  • 2010年〜2013年の収益成長予測:Cash America, EZ Corp, First Cash Financial
  • 調査/予測:1店舗あたりの平均収益
  • 2008年〜2009年の市場規模実績:不況期
  • 2010年〜2011年の市場規模実績:回復期2012年の市場規模展望
  • 2016年までの長期予測:市場規模、論拠

産業構造・操業率

  • 国勢調査データの比較:2007年 vs. 2002年

競合企業プロファイル

  • Cash America International, Inc.
  • EZCORP, Inc.
  • First Cash Financial Services

参考資料のディレクトリ:事業者団体・その他ソース

目次

Print or digital format. Also sold by individual chapters.

Pawn shops in the United States now number about 11,000+ and growing, and constituted a $14.5 billion industry last year. The business is fragmented and not dominated by large national chains. The industry appears to be almost recession-proof, as the ranks of the “unbanked” consumer continue to grow. Pawn shops provide a service that traditional banks cannot - short term loans for small amounts of money. These “alternative financial services” operations are more complex than meets the eye, and must conform to strict regulations.

The industry has benefitted from soaring gold prices, coupled with positive publicity via the popular reality TV show called Pawn Stars. The study explores why growth at pawn shops has been steady, even through the “great recession”. The industry's image has changed and pawn shops are considered more mainstream as even affluent consumers now use them to raise quick cash. Even Beverly Hills and Palm Beach have pawn shops, that discreetly serve the rich.

This new study by Marketdata examines the nature of the business, reasons for the recent growth of pawn shops, national receipts/growth from 1999-2011, 2012 to 2016 forecasts, average store revenues, customer demographics, key industry trends, federal/state industry regulation/fee caps, gold prices and gold buying/scrap sales, consumer debt levels and more. Includes chapter on extensive pawn shop operating ratios from the Census Bureau surveys. Findings of research studies by: Federal Reserve, FDIC, Georgetown University, brokerage analysts, National Pawnbroker's Assn., U.S. Census Bureau and more.

This study is believed to be one of the few in-depth publicly available business analyses that exists of this market. 3 in-depth company profiles are provided for: Cash America, EZCorp., and First Cash Financial.

Table of Contents

Introduction: Study Scope, Sources, Methodology

Executive Overview of Major Findings ($250)

  • Description of how pawn loans work, nature of the business, number of pawn shops/growth, reasons for growth
  • Major market trends and issues: positive image via reality TV shows, government scrutiny of payday lending, lack of small loans by banks, strong rise in gold prices, etc.
  • Discussion of reasons for growth of non-bank services, population living below the poverty level.
  • Pawn shop customer demographics/profile
  • Factors affecting demand: state of consumer household finances, recession, rising gold prices
  • Market $ size and growth: 1999-2016 forecast, performance during 2008-2009 recession, 2010 -2011 recovery, outlook for 2012-2016
  • Industry operating ratios: Census data- 2002 and 2007: receipts, no. of pawn shops, average receipts per shop, payroll costs, no. of employees
  • Top three pawn shop chains: Cash America, EZ Corp, First Cash Financial: 2010-2011 revenues .

Nature of the Business($100 )

  • Earliest form of consumer lending, brief history
  • Highly fragmented industry that is concentrated in the southeast and southwestern portions of the U.S.
  • The pawn loan process - discussion.
  • Related services (layaway, title loans, tax refund loans, gold buying, check cashing - description of each)
  • Number of pawn shops in the U.S.: 1989-2011
  • Emerging industry trends: discussion of decline in number of pawn shops, rebound, pending anti-payday lending legislation (state actions)
  • Analysis of gold prices: 1999-2012, gold buying by pawn shops, scrap sales, competition with gold buyers.

Table:

  • Historical price of gold per ounce: 1999-2012

Customer Demographics & Demand Factors ($200 )

  • Review of the Georgetown University Credit Research Center study - major findings (by age, race, gender, income, etc.)
  • Discussion of industry growth drivers
  • Findings of National Pawnbrokers Association report “Pawnbroking Industry Overview”
  • Discussion of the “unbanked” population, 20 major findings of 2009 FDIC survey (number of households, by race, by region, by income, by education, by marital status, by age, reasons why households don't have a bank account)
  • Trends in consumer debt and delinquencies: type of debt, reasons for rise, debt service payments relative to family income, shift in type of debt
  • Bankruptcy trends: chapter 7, 11, 13 - discussion of no. of filings in 2001-2012, filings by state/region
  • Foreclosure trends: discussion of foreclosures in 2011-2012, foreclosure rates, findings of Mortgage Bankers Association
  • Findings of Federal Reserve “Survey of Consumer Finances”.

Tables

  • Market potentials of the major segments of alternative financial services industry (check cashing, money transfer, pawn shops, payday loan services)
  • Consumer credit outstanding and household fixed obligation ratios: 1992-2011
  • Debt payments relative to family income: 1998, 2001, 2004, 2007
  • U.S. non-commercial bankruptcies, by type: 1991-2011
  • U.S. population living below the poverty level: 1990-2011.

Regulation of the Industry ($50)

  • Review of state regulations.
  • Review of federal regulations.
  • Discussion of Bank Secrecy Act, Money Laundering Suppression Act, USA Patriot Act, Gramm-Leach- Bliley Act

Table: State Regulations on Pawnshop Interest Rates and Fees

Industry Size, Growth, Forecasts ($200)

  • Industry revenues and number of projected stores for 1999 through 2012 - analysis, sources of industry size estimates
  • Findings of interviews with heads of state pawn associations: discussion of gold prices/scrap selling/gold buyers, effects of the recession, customer profile, merchandise sales
  • 2010-2013 F $ revenues/growth projections for: Cash America, EZCorp, First Cash Financial, by stock analysts
  • Discussion/estimates of avg. revenue per pawn shop
  • 2008-2009 $ size of mkt. - performance during the recession
  • 2010-2011 $ size of mkt. - performance during the recovery
  • 2012 outlook $ size of mkt.
  • 2016 long-term forecast, $ size of mkt., rationale

Table:

  • Industry receipts, annual % change: 1999-2016 F
  • Population per pawn shop, by state.

Industry Structure & Operating Ratios ($200)

2007 vs. 2002 Census Survey Data

In-depth analysis of 2007 U.S. Census of Services Industries: total industry receipts; receipts by size of firm; revenues by source of receipts; legal form of organization; industry concentration ratios; single and multi-unit operations; geographic analysis by state and standard metropolitan area

Tables:

  • No. of Firms, Establishments, $ Receipts, No. of employees: 2002, 2007
  • Pawn shop Industry Receipts, Annual Payroll and No. of Employees: 2002, 2007
  • Pawn shop Establishments: Average Receipts, Payroll, and Number of Employees: 2002, 2007
  • Pawn shop Receipts, by Size of Firm: 2007, 2002
  • Pawn shop Receipts, by Size of Establishment: 2007, 2002
  • Pawn shops Industry, Sources of Receipts: 2007, 2002
  • Pawn shops Establishments and Receipts, by Legal Form of Organization: 2007, 2002 (corporation, partnership, sole proprietor)
  • Pawn shop Concentration Ratios (mkt. share), By Estab. Size: 2002
  • Pawn shop Ratios, by Single Unit vs. Multi-unit Firms: 2007, 2002
  • Pawn shops, Ranked By Receipts, By State: 2007
  • Pawn shops, Ranked By No. of Establishments By State: 2007
  • Pawn shops, Ranked By No. of Estabs. for the 50 Largest Cities: 2007

Competitor Profiles ($250)

In-Depth Profiles (Headquarters location, services, recent acquisitions, payday loan business, detailed 2007-2011 financials, revenues by type, foreign markets, profit margins, outlook and strategies).

  • Cash America International, Inc.
  • EZCORP, Inc.
  • First Cash Financial Services

Table

  • The major pawn shop chains: Number of retail outlets, U.S. pawn shops, 2010 and 2011 revenues.

Reference Directory of Trade Associations & Other Sources

  • Address, phone, contacts for major trade groups, consultants, list of industry studies and articles, Wall Street analysts/research reports.

Table: State Pawnbroker Associations - contacts and phones.

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