The bonding market - France
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Study Overview
A surety bond is a contract by which a natural or legal person undertakes to pay the debt of another person when the latter is unable to do so another person's debt when the latter is unable to do so. The person who assumes responsibility for collecting the debt is called the guarantor. In France, surety bonds are governed by the Civil Code. There are several types of surety, such as simple surety and joint surety, both of which are included in this study.
The French surety market can be segmented into 4 key activities: surety for housing loans, for business and professional loans, for the financial sector and finally for the administrative sector. In 2020, the first activity accounted for 94.8% of total company sales, the second for 2.3%, the third for 2.1% and the last for 0.3%. The surety market has been growing since 2011. This growth is underlined by the rise in outstanding mortgages, which over the period 2011-2020 grew at a compound annual growth rate of 4.6%. In France, surety bonding is mainly aimed at private individuals. In fact, over 95% of surety company commitments are performance bonds on loans to individuals. The main players in the surety market are banking groups and insurance and mutual groups, such as SOCAMA. The current environment in France makes the surety market a fast-growing sector.
Key takeaways
- Growth and sector challenges
- Demand analysis
- Market structure and organization
- Supply and pricing analysis
- Player segmentation
- Latest trends and innovations
Our methodology
Our method combines human expertise and a large corpus of sources, including exclusive and private data, for optimal understanding of the sector
Broad source base
- • National, international, and private databases
- • Professional press and polling institutes
- • Industry reports, company financial statements...
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- • Indexpresse sectoral database
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Human expertise
- • Experienced research analysts
- • Know-how developed through 1500+ studies
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Visual and actionable reports
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Sommaire
1. Market overview
- 1.1 Definition and scope of study
- 1.2 A surety market in France that grows every year ...
- 1.3 ... which, despite the global pandemic, is still going strong
2. Demand analysis
- 2.1 Credit guarantee applications for individuals
- 2.2 The sums involved in guaranteeing companies and professionals
- 2.3 Demand for surety bonds from the financial sector
3. Market structure
- 3.1 An overview of the players in the surety market
- 3.2 Breakdown of surety companies
- 3.3 Structure of the bonding market
4. Offer analysis
- 4.1 Different types of surety
- 4.2 Prices for surety companies
- 4.3 Alternatives to bank guarantees
5. Regulations
- 5.1 Bonding regulations
The bonding market - France
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