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金融科技

市場調查報告書

商品編碼

1447822

金融科技貸款全球市場規模、佔有率、成長分析、按類型、按應用分類 - 2024-2031 年產業預測

Global Fintech Lending Market Size, Share, Growth Analysis, By By Type(P2P Business Lending, P2P Consumer Lending), By By Application(Private Lending, Company Lending) - Industry Forecast 2024-2031

出版日期: 2024年02月28日 | 出版商:

SkyQuest | 英文 157 Pages | 商品交期: 3-5個工作天內

價格

簡介目錄

2022年全球金融科技貸款市場規模將為7,142.9億美元，預測期間（2024-2031年）年複合成長率為27.4%，預計將從2023年的9,100.1億美元成長到2031年的6,3154.1億美元。

除傳統銀行業務外，全球金融科技借貸市場還包括透過數位平台提供貸款和信貸等金融服務。在過去的十年中，這個市場經歷了顯著的成長和重大的轉變。市場創新徹底改變了世界各地個人和企業獲得資金籌措的方式。工業公司使這些行業的資金籌措變得更加容易和便利。與耗時且繁瑣的傳統方法不同，金融科技貸款允許借款人透過行動應用程式和線上平台輕鬆申請貸款。這些因素是市場擴張的主要驅動力。金融科技貸款使用資料分析和人工智慧（AI）來評估信用度，使個人和小型企業的貸款流程變得更加簡單。P2P（P2P）借貸平台在這個市場中特別突出，允許個人直接借貸而無需中介。這種直接方法簡化了貸款流程，為借款人提供有競爭力的利率，為投資者提供有吸引力的回報。在 COVID-19 大流行期間，隨著企業和個人尋求快速且方便的財務援助，金融科技貸款的採用激增。甚至中央銀行和政府也認知到這個市場的好處，金融科技貸款機構在有效分配獎勵策略資金方面發揮關鍵作用。

市場概況
北美洲
- 美國
- 加拿大
歐洲
- 德國
- 西班牙
- 法國
- 英國
- 其他歐洲國家地區
亞太地區
- 中國
- 印度
- 日本
- 韓國
- 其他亞太地區
拉丁美洲
- 巴西
- 其他拉丁美洲地區
中東和非洲（MEA）
- 海灣合作理事會國家
- 南非
- 其他中東、非洲地區

競爭格局

前5名企業對比
主要企業市場定位（2021年）
主要市場參與者所採取的策略
關鍵成功策略
近期市集活動
主要企業市場佔有率（2021年）

主要企業簡介

Avant（USA）
Kabbage（USA）
Funding Circle（UK）
Funding Societies（Singapore）
Prosper Marketplace（USA）
LendingClub（USA）
OnDeck（USA）
Qudian（China）
SoFi（USA）
Zopa（UK）
Upgrade（USA）
Yirendai（China）
LendInvest（UK）
Affirm（USA）
Lufax（China）
GreenSky（USA）
Fellow Finance（Finland）
Mintos（Latvia）
Kreditech（Germany）
FundingSecure（UK）
Klarna（Sweden）
Adyen（Netherlands）
CommonBond（USA）
Upstart（USA）
SoFi（USA）

簡介目錄

Product Code: SQMIG40C2002

Global Fintech Lending Market size was valued at USD 714.29 Billion in 2022 and is poised to grow from USD 910.01 Billion in 2023 to USD 6315.41 Billion by 2031, at a CAGR of 27.4% during the forecast period (2024-2031).

The global fintech lending market involves the provision of financial services, such as loans and credit, through digital platforms separate from traditional banking operations. Over the past decade, this market has experienced significant growth and has undergone notable transformations. Innovations in the market have revolutionized the way individuals and businesses worldwide access funding. Industry players have made funding more accessible and convenient for these sectors. Unlike traditional methods that are time-consuming and labor-intensive, fintech lending allows borrowers to apply for loans easily through mobile apps or online platforms. These factors have been key drivers of market expansion. Fintech lenders rely on data analytics and Artificial Intelligence (AI) to assess creditworthiness, making the financing process simpler for individuals and small businesses. Peer-to-peer (P2P) lending platforms are particularly prominent in this market, enabling individuals to lend and borrow money directly without intermediaries. This direct approach has streamlined lending processes and offers competitive interest rates for borrowers, as well as attractive returns for investors. The adoption of fintech lending surged during the COVID-19 pandemic, as firms and individuals sought quick and accessible financial assistance. Even central banks and governments recognized the benefits of this market, with fintech lenders playing a vital role in efficiently distributing stimulus funds.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Fintech Lending and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analysed to get the final quantitative and qualitative data.

Global Fintech Lending Market Segmental Analysis

The market is split into Private Lending and Company Lending, among others, based on Application. Division of market by type gives us the P2P Business Lending and P2P Consumer Lending segments, among others. The main market regions are Europe, Asia Pacific, North America, Latin America, and Middle East and Africa.

Drivers of the Global Fintech Lending Market

The fintech lending market has been significantly shaped by widespread internet and smartphone usage, as well as advancements in digital technology. Fintech platforms have created online channels for consumers to easily access financial services. Both individuals and businesses can now manage loan applications and receive approvals online. These platforms offer quicker processing times compared to traditional banks, thanks to their streamlined and user-friendly interfaces.

Fintech lenders have developed faster and more convenient methods for assessing creditworthiness and making lending decisions. They utilize advanced data analytics and AI algorithms for this purpose. These technologies enable the analysis of vast amounts of data, including non-traditional sources such as social media, transaction history, psychometric data, and digital footprints. This comprehensive data analysis ensures more accurate risk assessment. AI-driven underwriting models have expanded the market's customer base by offering loans to individuals and small and medium-sized enterprises (SMEs) that may have been overlooked or underserved by traditional financial institutions.

Restraints in the Global Fintech Lending Market

The fintech lending industry is subject to scrutiny from various regulatory standards that vary from one jurisdiction to another. Navigating these complex and differing sets of rules can be challenging and time-consuming for fintech lenders. Compliance with these intricate standards can pose difficulties, especially considering the varying consumer protection laws and lending approval processes across jurisdictions. Fintech lending companies may face challenges in conducting their daily operations and expanding their business plans amidst these evolving regulations.

Lending financial resources to individuals and businesses with limited or no credit history can be risky. While fintech lenders have developed advanced algorithms to assess credit risk, there is still a margin for error. High credit risk and default rates can negatively impact the profit margins of these platforms. Additionally, unpredictable economic conditions, such as the COVID-19 pandemic, can lead to an increase in default rates, presenting a significant risk to the growth of the fintech lending market.

Market Trends of the Global Fintech Lending Market

Expansion of Online and Digital Lending Platforms: Fintech lending platforms have gained widespread popularity globally due to their high level of convenience and accessibility. These online platforms utilize modern technology, such as data analytics, to streamline and accelerate the lending process. Individuals and businesses now have the ability to access a variety of financial services through mobile apps and websites, including applying for and receiving loan approvals and funds online. The speed and convenience of digital platforms have driven consumer preference towards these methods, leading to the growth of this trend.

Focus on Alternative Credit Scoring: Traditional lenders rely heavily on traditional credit scoring models, such as FICO scores, to assess a borrower's creditworthiness and make lending decisions. In contrast, fintech lenders have developed and implemented alternative credit scoring methods. By analyzing psychometric data, digital footprints, social media activity, and transaction history, they create a comprehensive risk profile for each borrower. This approach allows individuals with limited or no credit history to access financial services. The inclusive nature of these offerings by fintech lenders has expanded the overall market.

Executive Summary

Market Overview
Wheel of Fortune

Research Methodology

Information Procurement
Secondary & Primary Data Sources
Market Size Estimation
Market Assumptions & Limitations

Parent Market Analysis

Market Overview
Market Size
Market Dynamics
- Drivers
- Opportunities
- Restraints
- Challenges

Key Market Insights

Technology Analysis
Pricing Analysis
Supply Chain Analysis
Value Chain Analysis
Ecosystem of the Market
IP Analysis
Trade Analysis
Startup Analysis
Raw Material Analysis
Innovation Matrix
Pipeline Product Analysis
Macroeconomic Indicators
Top Investment Analysis
Key Success Factor
Degree of Competition

Market Dynamics & Outlook

Market Dynamics
- Drivers
- Opportunities
- Restraints
- Challenges
Regulatory Landscape
Porters Analysis
- Competitive rivalry
- Threat of Substitute Products
- Bargaining Power of Buyers
- Threat of New Entrants
- Bargaining Power of Suppliers
Skyquest Special Insights on Future Disruptions
- Political Impact
- Economic Impact
- Social Impact
- Technical Impact
- Environmental Impact
- Legal Impact

Global Fintech Lending Market by By Type

Market Overview
P2P Business Lending
P2P Consumer Lending
Others

Global Fintech Lending Market by By Application

Market Overview
Private Lending
Company Lending
and Others

Global Fintech Lending Market Size by Region

Market Overview
North America
- USA
- Canada
Europe
- Germany
- Spain
- France
- UK
- Rest of Europe
Asia Pacific
- China
- India
- Japan
- South Korea
- Rest of Asia-Pacific
Latin America
- Brazil
- Rest of Latin America
Middle East & Africa (MEA)
- GCC Countries
- South Africa
- Rest of MEA

Competitive Landscape

Top 5 Player Comparison
Market Positioning of Key Players, 2021
Strategies Adopted by Key Market Players
Top Winning Strategies
- By Development
- By Company
- By Year
Recent Activities in the Market
Key Companies Market Share (%), 2021

Key Company Profiles

Avant (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Kabbage (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Funding Circle (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Funding Societies (Singapore)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Prosper Marketplace (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
LendingClub (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
OnDeck (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Qudian (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
SoFi (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Zopa (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Upgrade (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Yirendai (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
LendInvest (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Affirm (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Lufax (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
GreenSky (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Fellow Finance (Finland)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Mintos (Latvia)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Kreditech (Germany)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
FundingSecure (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Klarna (Sweden)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Adyen (Netherlands)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
CommonBond (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Upstart (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
SoFi (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments