市場シェアと予測：商業用ローン組成システム（CLOS）ツール、2023～2028年、世界規模（2つのレポートのバンドル）

市場シェア

QKSグループは、商業用ローン組成システム（CLOS）市場が2028年までにCAGR 8.70％を記録すると予測していることを明らかにしました。

貸出分野は大きな変革を遂げ、より費用対効果の高い貸出手法へと変化しています。しかし、デジタルトランスフォーメーションの急速な加速は、銀行や金融機関（FI）に新たな課題をもたらしています。処理速度が不十分なレガシーシステムは、融資実行プロセスに不可欠なワークフロー機能を欠き、コンプライアンス確保に必要な高度なレポーティング機能を提供していないです。こうした欠陥は、業務の非効率性とコストのかかるエラーを引き起こしています。貸出業務には本来、膨大な文書が必要であり、複数のチャネルから入手した多様な文書を綿密に処理し、レビューする必要があります。レガシーシステムは、引受プロセスを長引かせ、時間のかかる努力に変えてしまうことで、これを悪化させています。さらに、引受段階で重要な指標や情報が見落とされる懸念があり、ローン申込者の信用リスクスコアリングが不正確になる可能性があります。こうした課題に対処するため、ベンダーは融資プロセスのライフサイクル全体を包括的に管理・自動化する革新的な商業ローン組成システムを導入しています。これらのシステムは、レガシーシステムの限界を克服し、業務効率を高め、エラーを削減し、より合理的でコンプライアンスに準拠した融資プロセスを実現することを目的として構築されています。

市場予測

QKSグループは、商業用ローン組成システム（CLOS）市場が2028年までにCAGR 8.7％を記録すると予測していることを明らかにしました。

CLOS（Commercial Loan Origination System）とは、銀行や金融機関（Financial Institutions：FIs）が、大企業から中堅・中小企業までさまざまな規模の組織に対応するために、エンドツーエンドの商業融資手続きを最適化・監督するソフトウェアです。これには、融資の組成、処理、分配、継続的なモニタリングなど、幅広い業務が含まれます。このソフトウェアは、申込書作成、KYC（Know Your Customer）処理、引受、文書管理、ローンサービシング、延滞管理など、相互に関連する複数のモジュールで構成されています。このソリューションは、ビッグデータとアナリティクス、自動拡散と比率分析のためのAI/MLモデルを活用し、金融機関が事業とその所有者に関連する信用リスクを包括的に評価し、信用評価の精度と効率を高めることを可能にします。AI主導のチャットボットは、自律的に顧客サポートを促進し、人的介入の必要性を最小化／排除します。クラウドコンピューティングは、文書保管機能、拡張性オプション、データ統合機能、堅牢なセキュリティプロトコルにより、融資処理ワークフロー全体を大幅に合理化します。また、クラウドテクノロジーの統合により、24時間365日のアクセスが保証されるとともに、マイクロサービスアーキテクチャによる業務拡張にも対応します。

目次

Market Share:

第1章 エグゼクティブサマリー

• 主な調査結果
• 主要予測
• 主要動向
• 市場概要

第2章 市場概要

• 市場の定義と範囲
• 市場に影響を与える主な要因
• 促進要因と抑制要因

第3章 市場分析

• CLOSの世界市場シェア分析

第4章 市場シェア分析

• 市場シェア：地域別
• 市場シェア：世界
• 市場シェア：米国
• 市場シェア：カナダ
• 市場シェア：ラテンアメリカ
• 市場シェア：西欧
• 市場シェア：中東欧
• 市場シェア：中東＆アフリカ
• 市場シェア：中国
• 市場シェア：アジア太平洋地域（日本・中国除く）
• 市場シェア：日本
• 市場シェア：業界別
• 市場シェア：メディア＆エンターテイメント
• 市場シェア：小売
• 市場シェア：BFSI
• 市場シェア：旅行・ホスピタリティ
• 市場シェア：教育
• 市場シェア：公共部門
• 市場シェア：ヘルスケア・ライフサイエンス
• 市場シェア：自動車
• 市場シェア：飲食品
• 市場シェア：展開タイプ別
• 市場シェア：オンプレミス
• 市場シェア：クラウド
• 市場シェア：顧客タイプ別
• 市場シェア：中小企業
• 市場シェア：大企業
• 市場シェア：エンタープライズ

第5章 企業プロファイル

• 会社概要
• アナリストの視点と分析

第6章 付録

• 調査手法

Market Forecast:

第1章 エグゼクティブサマリー

• 主要調査結果
• 主要予測
• 主要動向
• 市場概要

第2章 市場概要

• 市場の定義と範囲
• 市場に影響を与える主な要因
• 促進要因と抑制要因

第3章 市場分析

• CLOSの世界市場予測分析

第4章 市場予測分析

• 市場予測：地域別
• 市場予測：世界
• 市場予測：米国
• 市場予測：カナダ
• 市場予測：ラテンアメリカ
• 市場予測：西欧
• 市場予測：中東欧
• 市場予測：中東＆アフリカ
• 市場予測：中国
• 市場予測：アジア太平洋地域（日本・中国除く）
• 市場予測：日本
• 市場予測：業界別
• 市場予測：メディア＆エンターテイメント
• 市場予測：小売
• 市場予測：BFSI
• 市場予測：旅行＆ホスピタリティ
• 市場予測：教育
• 市場予測：公共部門
• 市場予測：ヘルスケア＆ライフサイエンス
• 市場予測：自動車
• 市場予測：飲食品
• 市場予測：展開タイプ別
• 市場予測：オンプレミス
• 市場予測：クラウド
• 市場予測：顧客タイプ別
• 市場予測：中小企業
• 市場予測：大企業
• 市場予測：エンタープライズ

第5章 企業プロファイル

• 会社概要
• アナリストの視点と分析

第6章 付録

• 調査手法

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

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