基于(关键地区、市场参与者、规模和份额)的小额贷款市场 - 到 2030 年的预测

  • Report Code : TIPRE00039064
  • Category : Banking, Financial Services, and Insurance
  • Status : Data Released
  • No. of Pages : 150
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小额贷款市场规模和趋势

小额贷款市场规模预计将从 2023 年的 282 亿美元增长到到 2031 年将达到 724 亿美元;预计 2023 年至 2031 年复合年增长率将达到 12.5%。小额贷款市场预计将受到从传统贷款向小额贷款的日益转变的推动。小额贷款具有灵活的还款期限、较低的运营成本和较低的市场风险等优势,吸引了借款人和贷款人。

小额贷款市场分析

小额贷款使企业和个人能够有效管理其支出通过提供小额贷款。这使得公司能够履行其财务义务并维持其运营,而不会面临重大的财务限制。小额信贷的日益普及是小额贷款市场扩张的主要推动力。越来越多的企业和个人认识到小额贷款的好处,包括获得资金、灵活的还款选择和较低的准入门槛。小额贷款需求的增加推动了小额贷款市场的增长。

战略洞察

小额贷款行业概览

  • 小额贷款是指贷款人向企业和个人提供小额贷款,帮助他们有效管理开支和履行财务义务。近年来,在小额信贷日益普及的推动下,这种融资形式获得了巨大的关注。
  • 小额贷款在支持传统金融机构渠道有限的企业和个人方面发挥着至关重要的作用。通常,这些借款人被认为风险高或财务服务不足,这使得他们很难通过传统方式获得贷款。小额贷款通过提供适合这些借款人特定需求的小额贷款来弥补这一差距。
  • 除了解决金融需求外,小额贷款还有助于促进金融普惠。通过向服务不足的人群提供信贷服务,小额贷款有助于促进经济发展、鼓励创业和减少贫困。许多小额贷款机构非常注重社会影响,旨在通过为个人和社区提供繁荣所需的金融资源来增强其能力。

小额贷款市场驱动力

风险投资公司增加投资推动小额贷款市场

  • 几个关键因素正在推动小额贷款市场的增长。由于风险投资公司投资的增加,预计未来几年小额贷款市场将出现显着增长。资本的涌入预计将推动小额贷款提供商的扩张和发展。其中一个例子是中小企业融资解决方案提供商 BlueVine Inc.,该公司于 2019 年 11 月通过 F 轮股权融资筹集了 1.025 亿美元。本轮融资由 ION Crossover Partners 领投,Menlo Ventures、Lightspeed Venture Partners、SVB Capital、83North 和 Nationwide 等现有投资者也参与其中。
  • 这些投资用于创建一个综合性项目银行平台,其中包括与 BlueVine 技术支持的在线融资产品系列无缝集成的企业支票账户。这种服务整合旨在提高借款人的可及性和便利性,为他们提供全面的金融解决方案。风险投资公司参与小额贷款领域表明人们对市场潜力的信心不断增强,并认识到其在支持小企业和个人方面的重要性。这些投资不仅为小额贷款提供商扩大业务提供必要的资金,而且验证了小额贷款业务模式的可行性和可持续性。

小额贷款市场报告细分分析

  • 基于服务提供商,小额贷款市场预测分为银行和小额金融机构(MFI)。预计该银行的细分市场将在 2023 年占据大量小额贷款市场份额。该细分市场的增长可归因于银行与其他小额贷款服务提供商之间日益加强的合作伙伴关系。
  • 这些合作旨在为众多小企业和企业主提供支持。一个值得注意的例子是亚洲开发银行(ADB)与印度汇丰银行于2022年3月达成的协议。双方建立了价值1亿美元的部分担保计划。
  • 该计划的主要目标是为超过 40 万小额借款人,特别是印度女性领导的微型企业提供支持。银行与小额贷款服务提供商之间的这种合作预计将带来新的小额贷款市场趋势。

小额贷款市场区域分析

小额贷款市场报告的范围主要分为五个地区 - 北美、欧洲、亚太地区、中东和非洲。非洲、南美洲。亚太地区正在经历快速增长,预计将占据重要的小额贷款市场份额。市场的区域增长可归因于该地区初创企业数量的增加。例如,印度已成为全球第三大创业生态系统,年增长率稳定在12%至15%。 2022 年 3 月,印度初创企业总数约为 65,861 家。越来越多的初创企业创造了对小额贷款的需求,从而推动了区域增长。此外,日本和澳大利亚等国家实施的为中小企业和企业家提供小额贷款便利的政府举措和政策也推动了该地区的增长。这些举措旨在通过为小型企业提供融资选择来支持它们的成长和发展。

小额贷款市场报告范围

“小额贷款市场分析”是根据服务提供商、最终用户和地理位置进行的。就服务提供商而言,市场分为银行和小额金融机构(MFI)。根据最终用户,市场分为个体企业家和个人企业家。个人、微型、小型和大型企业中型企业。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲、南美洲。

报告属性

详细信息< /span>

2023 年市场规模

282亿美元

2031 年市场规模

724 亿美元

全球复合年增长率(2024-2031)

12.5 %

实际数据

2021年  2022年

预测时期

2024年  2031年

报告覆盖范围

市场规模和预测(美元)、市场驱动因素和预测趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

涵盖的细分市场

服务提供商(银行、小额信贷机构 (MFI));最终用户(个体企业家和个人、微型、小型和中型企业); 和地理

覆盖地区

北美、欧洲、亚太地区、南美洲、MEA

覆盖国家/地区

美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本、澳大利亚;韩国;巴西;沙特阿拉伯;阿联酋;南非

市场领导者和主要公司简介

Funding Circle、美国运通、OnDeck、Accion Microfinance Bank Limited、Biz2Credit Inc、Fundbox、LendingClub Bank、Lendio、Zopa Bank Limited、LiftFund

 

 

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小额贷款市场新闻和最新动态

公司在小额贷款市场上采取并购等无机和有机策略。下面列出了最近的一些关键市场动态:

  • 2024 年 1 月,领先的金融技术解决方案提供商 Biz2X LLC 宣布推出新的合作伙伴门户加强与业主银行的合作。 Owners Bank 是自由银行 (Liberty Bank) 的一个部门,总部位于康涅狄格州米德尔敦,专门提供量身定制的金融解决方案,以满足企业主的独特需求。 Biz2X 和 Owners Bank 之间的合作伙伴关系最初于 7 月建立,推出了一个贷款平台,以加快担保和无担保贷款的贷款决策。新推出的合作伙伴门户旨在支持 Owners Bank 的扩张计划并增强其联属合作伙伴网络获得资本的能力。通过扩大合作伙伴关系,Biz2X 和 Owners Bank 旨在为微型和小型企业提供更便捷的融资渠道,促进其成长并在市场上取得成功。

(来源:Biz2X LLC,公司网站)

  • 2021 年 11 月,专门为小型企业提供贷款和金融产品的领先公司 Fundbox 宣布该公司已在 D 轮融资中成功筹集 1 亿美元。最新一轮融资使该公司估值达到 11 亿美元,巩固了其作为行业领先企业的地位。 D 轮融资由安大略医疗保健养老金计划 (HOOPP) 牵头,Allianz X、Khosla Ventures 和 The Private Shares Fund 等现有投资者参与其中。新投资者,包括 Arbor Waypoint Select Fund 和 Newton Investment Management North America 管理的一系列 BNY Mellon 基金也加入了本轮融资。

(来源:Fundbox,公司网站)

小额贷款市场报告覆盖范围和规模可交付成果

市场报告《小额贷款市场规模及预测(2021年-2031年)》提供了对以下领域市场的详细分析-

  • 市场规模和市场规模对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 未来主要趋势。
  • 详细的 PEST 和防治措施。 SWOT 分析
  • 全球和区域市场分析,涵盖主要市场趋势、主要参与者、法规和最新市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和最新发展。
  • 详细的公司简介。
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

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to country scope.

Frequently Asked Questions


Which are the key players holding the major market share of the micro lending market?

The key players holding majority shares in the global micro lending market are Funding Circle, American Express, OnDeck, Accion Microfinance Bank Limited, and Biz2Credit Inc.

What will be the market size of the global micro lending market by 2030?

The global micro lending market is expected to reach US$ 72.4 billion by 2030.

What is the estimated market size for the global micro lending market in 2022?

The micro lending market size is expected to grow from US$ 28.24 billion in 2023 to US$ 72.45 billion by 2031; it is anticipated to expand at a CAGR of 12.5% from 2023 to 2031.

What are the future trends of the global micro lending market?

Digitization of micro loans is impacting the micro lending market, which is anticipated to play a significant role in the global micro lending market in the coming years.

What are the driving factors impacting the global micro lending market?

The growing shift from traditional lending to micro lending is the major factors that propel the global micro lending market.

  • Funding Circle
  • American Express
  • OnDeck
  • Accion Microfinance Bank Limited
  • Biz2Credit Inc
  • Fundbox
  • LendingClub Bank
  • Lendio
  • Zopa Bank Limited
  • LiftFund

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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