点对点借贷市场基于(主要地区、市场参与者、规模和份额)- 预测至 2031 年

  • Report Code : TIPRE00039197
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Peer-to-Peer Lending Market Research Report 2021-2031

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预计从 2023 年到 2031 年,点对点借贷市场规模将以 21.3% 的复合年增长率增长。技术和数据分析的进步正在支持点对点借贷业务。这些平台可以利用先进的算法来评估借款人的信誉,从而降低违约概率。此外,区块链技术正在受到研究,以提高点对点借贷交易的透明度和安全性。这些技术进步使点对点借贷对借款人和贷款人都更具吸引力,为业务扩展创造了机会。

点对点借贷市场分析

对替代融资解决方案的需求是点对点借贷业务的主要驱动力之一。银行等传统融资方式可能并不总是方便或吸引个人和小型企业。 P2P 借贷平台为借款人提供快速、简化的贷款申请流程,即使借款人的信用记录较短或被传统贷方视为高风险。

点对点借贷市场概览

  • 近年来,全球点对点借贷业务发展迅速,转型迅猛,颠覆了传统借贷格局。点对点借贷,通常称为 P2P 借贷或市场借贷,是个人或组织利用互联网平台绕过传统金融中介,直接向借款人放贷的做法。由于技术发展、互联网普及率提高、对快速便捷信贷的需求不断增长以及投资者对另类投资机会的兴趣日益浓厚,这一市场得到了大幅增长。

P2P 借贷市场驱动因素和机遇

较低的运营成本推动 P2P 借贷市场

  • 与传统银行相比,P2P 借贷解决方案不需要基础设施或大量劳动力。P2P 借贷平台使用基于互联网的服务。数据是公开的,互联网提供商允许访问其网站,为消费者提供更清晰的贷款形象及其可获得的贷款类型。这些借贷平台通过向借款人收取费用并从投资者的贷款偿还中扣除费用来产生收入,从而推动了点对点借贷市场的增长。

技术创新和替代借贷需求激增,创造有利可图的市场机会

  • 对替代借贷选择的需求正在增加。许多个人和小企业都在寻找传统银行以外的贷款,而点对点借贷平台提供了一种更方便、更有效的获取资金的方式。对替代借贷选项的需求增加为 P2P 借贷平台扩大其用户群和贷款产品创造了有利可图的机会。

点对点借贷市场报告细分分析

促成点对点借贷市场分析的关键细分是类型。

  • 2023 年,非商业贷款部门在收入方面领先市场。个人贷款旨在满足各种个人财务需求,包括债务合并、家庭装修、医疗费用、教育和其他个人开支。这种广泛的应用吸引了大量借款人,增加了非商业贷款领域的主导地位。
  • 2023 年,无担保类别引领市场。无抵押贷款不需要借款人提供抵押品,从而使申请流程更加简单,更广泛的借款人都可以申请。

按地区划分的点对点借贷市场份额分析

  • 点对点借贷市场范围主要分为五个地区 - 北美、欧洲、亚太地区、中东和非洲以及南美。
  • 亚太地区人口众多,其中包括许多没有银行账户或银行账户不足的人,他们几乎无法获得典型的金融服务。 P2P 借贷平台为这些人提供了替代融资来源,增加了该地区对 P2P 借贷的需求。
  • 此外,亚太地区正在经历显着的经济扩张,这鼓励了更多的创业活动和小型企业的创建。 P2P 借贷平台为小企业提供了重要的融资来源,从而推动了区域增长。

点对点借贷市场报告范围

点对点借贷市场新闻和最新发展

在点对点借贷市场中,公司采用并购等无机和有机策略。以下列出了一些最近的关键市场发展:

  • 2022 年,总部位于美国的著名点对点借贷平台 LendingClub 完成对 Radius Bank 的收购。此次收购是建立数字市场银行的关键一步。它使 LendingClub 能够将其产品范围扩展到 P2P 借贷之外,并为消费者提供更广泛的金融服务。[来源:LendingClub,公司网站]

点对点借贷市场报告范围和可交付成果

P2P 借贷市场预测是根据各种二手和一手研究结果估算的,例如主要公司出版物、协会数据和数据库。市场报告“P2P 借贷市场规模和预测(2021-2031)”对市场进行了详细的分析,涵盖以下领域-

  • 范围内涵盖的所有关键细分市场的全球、区域和国家层面的市场规模和预测。
  • 市场动态,例如驱动因素、限制因素和关键机会。
  • 未来的主要趋势。
  • 详细的 PEST 和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、法规和近期市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和近期发展。
  • 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

This text is related
to country scope.

Frequently Asked Questions


Which region is expected to register a high growth rate during the forecast period?

Asia Pacific is anticipated to grow with a high growth rate during the forecast period.

Which are the key players holding the major market share of the peer-to-peer lending market?

The major players holding majority shares are LendingClub Bank, Lendermarket, Prosper Funding LLC, Proplend, and PeerBerry

What are the future trends of the global peer-to-peer lending market?

Technological innovations and surge in demand for alternative lending options in the global peer-to-peer lending market in the coming years.

What are the driving factors impacting the global peer-to-peer lending market?

Less operating costs and a growing focus on serving underbanked individuals are the major factors that propel the global peer-to-peer lending market.

What is the estimated market size for the global peer-to-peer lending market in 2023?

The global peer to peer lending market was estimated to grow at a CAGR of 21.3% during 2023 - 2031.

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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