ピアツーピア（P2P）レンディングの世界市場-2023年～2030年

概要

世界のピアツーピア（P2P）レンディングの市場規模は、2022年に1,543億米ドルに達し、2023年～2030年の予測期間中にCAGR28.3％で成長し、2030年には1兆1,329億米ドルに達すると予測されています。

世界のP2Pレンディング市場は大きく成長し勢いを増し、世界の広がりを見せています。P2Pレンディングは、個人と個人が互いに貸し借りするデジタル融資モデルであり、現代の借り入れと投資の慣行に変革をもたらしつつあります。革新的な「グリーン・バンキング」アプローチは、オンライン・プラットフォームを通じて借り手と投資家をつなぎ、手間のかからないペーパーレス金融取引を可能にします。

このプラットフォームは、借り手にとっては低利で資金を調達できる理想的な方法であり、貸し手にとっては神業的なリターンによって利益を得ることができます。P2Pプラットフォームは仲介役として、貸し手と借り手をマッチングし、金融取引の透明性と利便性を確保します。P2Pレンディングの魅力は、アクセスのしやすさ、迅速な資金調達プロセス、諸経費の低さにあり、その結果、普及が進んでいます。

P2Pレンディング市場では北米が大きなシェアを占め、最大市場になると予想されています。この金融モデルの普及は、この地域の成熟した金融インフラと、成長を促進する規制の枠組みに起因しています。LendingClubやProsperのようなP2Pレンディングプラットフォームは米国で大きな支持を得ており、北米市場のリーダーシップに貢献しています。

力学

P2Pレンディングは受動的収入を求める人々に力を与える

P2Pレンディングは、受動的収入戦略を再構築しています。従来の銀行をバイパスして、借り手と投資家をオンライン・プラットフォームで結びつけます。借り手はローンのニーズをリストアップし、投資家はリスクとリターンに基づいてローンを選択します。借り手が返済すると、投資家は元本と利息の両方を得て、投資ポートフォリオを多様化し、受動的収入を得ることができます。P2Pレンディングは、市場の多様化、競合リターン、アクセスのしやすさ、コントロール性、定期的な収入、伝統的な市場との相関性の低さといった点で魅力的です。

透明性の高いプラットフォームは、借り手のデータとリスク評価を提供し、情報に基づいた投資判断を可能にします。しかし、P2Pレンディングには、借り手のデフォルトやプラットフォーム関連の問題など、リスクが伴います。個人が徹底的な調査とデューデリジェンスを行うことが不可欠です。P2Pレンディングは、サラリーマンが安定した受動的収入源を構築するための効果的な方法であり、P2Pのようなプラットフォームがその機会を提供しています。

借入の簡素化とリターンの向上

P2Pレンディングは、フィンテックの分野で重要な役割を担っており、関係者に新たな投資の展望と利点をもたらしています。P2Pレンディング分野は、その利点と従来の方法からP2Pレンディングアプリケーションへの移行により、大幅な拡大を経験しています。このようなプラットフォームを利用すれば、借り手は従来の銀行取引に比べて金利が下がるという恩恵を受け、投資家はより大きなリターンを得ることができます。

従来の銀行では、融資の申し込みに複雑なプロセスや事務処理が伴うことが多くあります。P2Pレンディング・プラットフォームは、ユーザーフレンドリーな電子申請でこれを合理化し、借り手のプロファイル作成を簡素化し、実現可能な貸し手とつなぎます。P2Pレンディングは、完全に自動化された融資プロセスにより、1週間以内に融資を提供することができ、資金への迅速なアクセスを提供します。より少額の融資が受けられることにより、参加をさらに促進します。

規制の課題

P2Pレンディング・セクターは、比較的最近登場し、急速に進化しているため、規制上の課題に取り組んでいます。監督官庁が限られているため、投資家の保護や市場の安定性維持に対する懸念が高まっています。包括的な規制がないため、詐欺行為や貸し倒れ、不公正な融資慣行など、借り手と貸し手の双方の利益を脅かしかねない潜在的なリスクが生じる余地があります。

このような懸念に対処するため、様々な国がP2Pレンディング分野における透明性、安全性、公平性を高めるための規制の枠組みを導入または検討し始めています。持続可能で信頼できるP2Pレンディングの発展を目指す規制当局にとって、イノベーションの促進と金融セキュリティの確保との適切なバランスを取ることは、重要なハードルとなっています。

目次

第1章 調査手法と調査範囲

第2章 定義と概要

第3章 エグゼクティブサマリー

第4章 市場力学

• 影響要因
  • 促進要因
    • P2Pレンディングは受動的収入を求める人々に力を与える
    • 借入の簡素化とリターンの向上
  • 抑制要因
    • 規制上の課題
  • 機会
  • 影響分析

第5章 業界分析

• ポーターのファイブフォース分析
• サプライチェーン分析
• 価格分析
• 規制分析
• ロシア・ウクライナ戦争の影響分析
• DMIの見解

第6章 COVID-19分析

第7章 ビジネスモデル別

• 従来のレンディング
• オルタナティブ・マーケットプレース・レンディング

第8章 ローンタイプ別

• 消費者信用ローン
• 中小企業向けローン
• 学生ローン
• 不動産ローン

第9章 エンドユーザー別

• ビジネス
• 個人

第10章 地域別

• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • イタリア
  • ロシア
  • その他欧州
• 南米
  • ブラジル
  • アルゼンチン
  • その他南米
• アジア太平洋
  • 中国
  • インド
  • 日本
  • オーストラリア
  • その他アジア太平洋
• 中東・アフリカ

第11章 競合情勢

• 競合シナリオ
• 市況/シェア分析
• M&A分析

第12章 企業プロファイル

• SocietyOne
  • 会社概要
  • ビジネスモデルのポートフォリオと概要
  • 財務概要
  • 主な発展
• Prosper Funding LLC
• Funding Circle Limited
• LendingTree, LLC
• Harmoney Australia Pty Ltd
• Lending Club Bank
• Upstart Network, Inc.
• goPeer
• Linked Finance
• Lending Loop

第13章 付録

Overview

Global Peer-to-Peer (P2P) Lending Market reached US$ 154.3 billion in 2022 and is expected to reach US$ 1,132.9 billion by 2030, growing with a CAGR of 28.3% during the forecast period 2023-2030.

The global peer-to-peer lending market is on a significant upswing, gaining momentum and expanding it's reach globally. P2P lending, a digital lending model where individuals and lend to one another, is transforming the modern borrowing and investing practices. The innovative "green banking" approach connects borrowers to investors through online platforms, enabling hassle-free, paperless financial transactions.

The platforms are the ideal way for borrowers to take the money on lower interests and lenders benefit with god returns. The P2P platform acts as an intermediary, matching lenders with borrowers, ensuring transparency and convenience in financial transactions. P2P lending's appeal lies in it's accessibility, quick funding process and lower overhead costs, resulting in growing adoption.

North America is expected to holds the largest market in p2p lending market with significant share. The prevalence of this financial model is attributed to the region's mature financial infrastructure and a conducive regulatory framework that facilitates it's growth. P2P lending platforms, like LendingClub and Prosper, have gained significant traction in United States, contributing to North America's market leadership.

Dynamics

P2P Lending Empowering Passive Income Seekers

Peer 2 peer lending is reshaping passive income strategies. It connects borrowers and investors via online platforms, bypassing traditional banks. Borrowers list their loan needs and investors choose loans based on risk and return. As borrowers repay, investors earn both principal and interest, diversifying their investment portfolio and generating passive income. P2P lending is attractive due to diversification, competitive returns, accessibility, control, regular income and low correlation with traditional markets.

Transparent platforms provide borrower data and risk assessments, enabling informed investment decisions. However, P2P lending carries risks, including borrower defaults and platform-related issues. It's essential for individuals to conduct thorough research and due diligence. P2P lending is an effective way for salaried employees to build a stable passive income stream, with platforms like P2P offering opportunities.

Simplifying Borrowing and Boosting Returns

P2P lending is assuming a critical role in the field of fintech, introducing fresh investment prospects and advantages for those involved. The P2P lending sector has experienced substantial expansion due to it's benefits and the transition from conventional methods to P2P lending applications. WIth these platforms the borrowers benefit from reduced interest rates as compared with old banking, while investors can achieve more substantial returns.

Traditional banks often involve complex processes and paperwork for loan applications. P2P lending platforms streamline this with user-friendly e-applications, simplifying the borrower's profile creation and connecting them with feasible lenders.P2P lending offers quick access to funds, with a fully automated lending process that can provide loans within a week or less. The accessibility to smaller loan amounts further drives participation.

Regulatory Challenges

The P2P lending sector grapples with regulatory challenges due to its relatively recent emergence and rapidly evolving nature. With limited oversight in place, there are growing apprehensions about safeguarding investors and maintaining market stability. The absence of comprehensive regulations creates space for potential risks, such as fraudulent activities, loan defaults and unfair lending practices, which could jeopardize the interests of both borrowers and lenders.

To tackle these concerns, various countries are beginning to introduce or explore regulatory frameworks to boost transparency, security and equitable practices within the P2P lending field. Striking the right balance between fostering innovation and ensuring financial security poses a significant hurdle for regulators as they aim to cultivate a sustainable and dependable P2P lending landscape.

Segment Analysis

The global P2P lending market is segmented based on business model, loan type, end-user and region.

Consumer Credit Dominates P2P Lending Market Amid Growing Demand

Consumer credit loans hold the largest share in the peer 2 peer lending market due to increasing demand for consumer financing. Rising living costs, higher base interest rates and low wage growth have led many households to struggle financially. The has resulted in a growing need for consumer credit options. Traditional banks and lenders have also increased their interest rates on credit products.

Consumer focused P2P lending platforms aim to provide affordable and accessible financing to individuals in need, funded by retail investors. However, the P2P consumer lending market has evolved, with some major players leaving the sectorand platforms focusing on creditworthiness, technologyand data analysis to meet demand and ensure responsible lending. As consumer lending demand continues to rise, P2P platforms with innovative credit-checking technology are well-positioned to serve this market.

Geographical Penetration

North America Dominates the Global P2P Lending Market

North America, holds the largest share in peer 2 peer lending market and features the presence of global players. The lending model allows borrowers to access online loans funded by institutional investors as an alternative to traditional credit sources. P2P platforms streamline the loan application process, often offering more flexible credit requirements compared to traditional loans.

The market is competitive, with various P2P lenders offering personal loans up to US$50,000. Some prominent players in the market include Prosper, Lending Point and Universal Credit. The lenders provide a range of options, making it essential for borrowers to carefully compare APR, maximum loan amounts and minimum credit score requirements when choosing the right platform for their needs.

COVID-19 Impact Analysis

The COVID-19 pandemic had a substantial impact on the peer 2 peer lending market. As economic uncertainty and financial challenges increased, the P2P lending sector faced heightened risk and turbulence. Many P2P lending platforms experienced a surge in loan delinquencies and defaults as borrowers struggled to meet their financial obligations due to job losses and economic instability.

Investors on these platforms faced uncertainty and risk, leading to a decrease in new investments. Some P2P lending platforms had to tighten their lending criteria, reduce loan origination and even pause operations temporarily. The pandemic underscored the importance of risk assessment and loan diversification for both borrowers and investors in the P2P lending market. It also highlighted the need for effective risk management strategies to navigate such unexpected crises.

Russia-Ukraine War Impact Analysis

The war in Ukraine has had a significant impact on the P2P lending market. The conflict has caused fear and uncertainty among P2P investors, leading to heavily discounted sell-offs on platforms like Mintos' secondary market. The current situation is characterized by sanctions on Russia, making it challenging for lending partners to transfer funds to P2P platforms.

The currency exchange rates of affected countries have fallen and Ukraine's lending business has come to a halt, leading to an increase in investment risk in neighboring countries. Some P2P lending platforms have suspended new placements of loans from Russia, Belarus and Ukraine investors have demanded early repayments.

The war has increased investment risk in Russia and Ukraine and investors are experiencing payment delays, losses due to currency fluctuations, defaults and discounted sell-offs. To lower the risk, investors are advised to consider investing in countries far from the conflict and platforms with banks in Western Europe. Despite the challenges, there are still P2P lending opportunities in other countries. The impact on P2P lending portfolios varies some preventive measures include stopping investments in affected countries and increasing liquidity where possible. The long-term impact remains uncertain due to the ongoing concerns.

AI Impact Analysis

The Peer 2 Peer lending market has experienced a significant transformation with the integration of artificial intelligence. AI's impact on P2P lending is evident in several key areas. Firstly, AI enhances the credit scoring and risk assessment processes by analyzing extensive data, including traditional financial records and non-traditional sources like social media activity. The results in more accurate creditworthiness assessments, reduces the risk of defaults and broadens access to credit for those traditionally underserved.

Moreover, AI automates the loan underwriting process, rapidly analyzing borrower information to streamline loan approvals, providing borrowers with a more efficient experience and benefiting lenders. AI is also crucial in fraud detection and prevention, as it can analyze vast datasets to identify suspicious activities and protect lenders and borrowers from financial losses. Also, AI offers personalized loan recommendations based on a borrower's financial situation, improving the borrowing experience and promoting responsible lending practices. It also optimizes collections and recovery by identifying potential defaults early and automating reminders and repayment assistance.

By Business Model

• Traditional Lending
• Alternate Marketplace Lending

By Loan Type

• Consumer Credit Loans
• Small Business Loans
• Student Loans
• Real estate Loans

By End-User

• Business
• Personal

By Region

• North America
  • U.S.
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • France
  • Italy
  • Russia
  • Rest of Europe
• South America
  • Brazil
  • Argentina
  • Rest of South America
• Asia-Pacific
  • China
  • India
  • Japan
  • Australia
  • Rest of Asia-Pacific
• Middle East and Africa

Key Developments

• In August 2021, CRED, a fintech platform, introduced CRED Mint with its first peer-to-peer (P2P) lending feature. Partnering with RBI-registered P2P NBFC, Liquiloans, CRED Mint enables members to earn interest by lending to other trusted members. Users can earn up to 9% per annum on idle money. CRED started as a credit card repayment platform and expanded its offerings. Members can apply for early access to CRED Mintand investments made through it are lent through CRED Cash, an emergency lending product used for high-trust members, in collaboration with licensed banks and NBFCs.
• In October 2021, Vakrangee announced its collaboration with LenDenClub to launch a peer-to-peer (P2P) lending platform. Through its BharatEasy mobile application and Nextgen Kendras, Vakrangee aims to provide lending and borrowing services across remote areas of the country. LenDenClub, India's largest P2P platform, has a substantial track record, disbursing over Rs 1000 crore in loans to a user base of 20 lakh borrowers, with an annual average of 4.5 lakh loans and 8 lakh registered investors.

Competitive Landscape

The major global players in the market include: SocietyOne, Prosper Funding LLC, Funding Circle Limited, LendingTree, LLC, Harmoney Australia Pty Ltd, Lending Club Bank, Upstart Network, Inc., goPeer, Linked Finance, Lending Loop.

Why Purchase the Report?

• To visualize the global peer-to-peer (P2P) lending market segmentation based on business model, loan type, end-user and region, as well as understand key commercial assets and players.
• Identify commercial opportunities by analyzing trends and co-development.
• Excel data sheet with numerous data points of peer-to-peer (P2P) lending market-level with all segments.
• PDF report consists of a comprehensive analysis after exhaustive qualitative interviews and an in-depth study.
• Business Model mapping available as excel consisting of key Business Models of all the major players.

The global peer-to-peer (P2P) lending market report would provide approximately 61 tables, 56 figures and 183 Pages.

Target Audience 2023

• Manufacturers/ Buyers
• Industry Investors/Investment Bankers
• Research Professionals
• Emerging Companies

Table of Contents

1. Methodology and Scope

• 1.1. Research Methodology
• 1.2. Research Objective and Scope of the Report

2. Definition and Overview

3. Executive Summary

• 3.1. Snippet by Business Model
• 3.2. Snippet by Loan Type
• 3.3. Snippet by End-User
• 3.4. Snippet by Region

4. Dynamics

• 4.1. Impacting Factors
  • 4.1.1. Drivers
    • 4.1.1.1. P2P Lending Empowering Passive Income Seekers
    • 4.1.1.2. Simplifying Borrowing and Boosting Returns
  • 4.1.2. Restraints
    • 4.1.2.1. Regulatory Challenges
  • 4.1.3. Opportunity
  • 4.1.4. Impact Analysis

5. Industry Analysis

• 5.1. Porter's Five Force Analysis
• 5.2. Supply Chain Analysis
• 5.3. Pricing Analysis
• 5.4. Regulatory Analysis
• 5.5. Russia-Ukraine War Impact Analysis
• 5.6. DMI Opinion

6. COVID-19 Analysis

• 6.1. Analysis of COVID-19
  • 6.1.1. Scenario Before COVID
  • 6.1.2. Scenario During COVID
  • 6.1.3. Scenario Post COVID
• 6.2. Pricing Dynamics Amid COVID-19
• 6.3. Demand-Supply Spectrum
• 6.4. Government Initiatives Related to the Market During Pandemic
• 6.5. Manufacturers Strategic Initiatives
• 6.6. Conclusion

7. By Business Model

• 7.1. Introduction
  • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 7.1.2. Market Attractiveness Index, By Business Model
• 7.2. Traditional Lending*
  • 7.2.1. Introduction
  • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 7.3. Alternate Marketplace Lending

8. By Loan Type

• 8.1. Introduction
  • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 8.1.2. Market Attractiveness Index, By Loan Type
• 8.2. Consumer Credit Loans*
  • 8.2.1. Introduction
  • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 8.3. Small Business Loans
• 8.4. Student Loans
• 8.5. Real estate Loans

9. By End-User

• 9.1. Introduction
  • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
  • 9.1.2. Market Attractiveness Index, By End-User
• 9.2. Business*
  • 9.2.1. Introduction
  • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
• 9.3. Personal

10. By Region

• 10.1. Introduction
  • 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
  • 10.1.2. Market Attractiveness Index, By Region
• 10.2. North America
  • 10.2.1. Introduction
  • 10.2.2. Key Region-Specific Dynamics
  • 10.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 10.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 10.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
  • 10.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 10.2.6.1. U.S.
    • 10.2.6.2. Canada
    • 10.2.6.3. Mexico
• 10.3. Europe
  • 10.3.1. Introduction
  • 10.3.2. Key Region-Specific Dynamics
  • 10.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 10.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 10.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
  • 10.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 10.3.6.1. Germany
    • 10.3.6.2. UK
    • 10.3.6.3. France
    • 10.3.6.4. Italy
    • 10.3.6.5. Russia
    • 10.3.6.6. Rest of Europe
• 10.4. South America
  • 10.4.1. Introduction
  • 10.4.2. Key Region-Specific Dynamics
  • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
  • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 10.4.6.1. Brazil
    • 10.4.6.2. Argentina
    • 10.4.6.3. Rest of South America
• 10.5. Asia-Pacific
  • 10.5.1. Introduction
  • 10.5.2. Key Region-Specific Dynamics
  • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
  • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
    • 10.5.6.1. China
    • 10.5.6.2. India
    • 10.5.6.3. Japan
    • 10.5.6.4. Australia
    • 10.5.6.5. Rest of Asia-Pacific
• 10.6. Middle East and Africa
  • 10.6.1. Introduction
  • 10.6.2. Key Region-Specific Dynamics
  • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Business Model
  • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Loan Type
  • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

11. Competitive Landscape

• 11.1. Competitive Scenario
• 11.2. Market Positioning/Share Analysis
• 11.3. Mergers and Acquisitions Analysis

12. Company Profiles

• 12.1. SocietyOne*
  • 12.1.1. Company Overview
  • 12.1.2. Business Model Portfolio and Description
  • 12.1.3. Financial Overview
  • 12.1.4. Key Developments
• 12.2. Prosper Funding LLC
• 12.3. Funding Circle Limited
• 12.4. LendingTree, LLC
• 12.5. Harmoney Australia Pty Ltd
• 12.6. Lending Club Bank
• 12.7. Upstart Network, Inc.
• 12.8. goPeer
• 12.9. Linked Finance
• 12.10. Lending Loop

LIST NOT EXHAUSTIVE

13. Appendix

• 13.1. About Us and Services
• 13.2. Contact Us