Trends in Small-Dollar Credit: A Look at the Market and Future of Small Loans
|発行||Mercator Advisory Group, Inc.||商品コード||177405|
|出版日||ページ情報||英文 35 pages
|小額信用貸付の動向：市場見通しおよび将来の小額融資市場 Trends in Small-Dollar Credit: A Look at the Market and Future of Small Loans|
|出版日: 2011年03月22日||ページ情報: 英文 35 pages||
New Mercator Advisory Group Report Shows Where Opportunities and Challenges May Lie in the Small-Dollar Credit Market
Boston, MA -- Nearly everyone has had a moment when they needed more money than was in their wallets or their bank accounts. Whether it was for a major purchase, a car repair, or some other life event, consumers have found themselves in need of a short-term loan.
In Mercator Advisory Group' s newest report Trends in Small-Dollar Credit: A Look at the Market and Future of Small Loans, sources for these small-dollar loans and what the future landscape may look like are investigated. Credit cards, payday loans, small-dollar bank loans and person-to-person lending are the four major sources of credit covered in-depth.
Today, credit cards and payday loans seem to be on the decline. Since the beginning of the financial crisis, the portion of U.S. households with no general purpose credit cards has grown from 26% in 2009 to 40% in 2010. Meanwhile, Payday lending has faced increasing regulatory pressure and a loss of bank partners over the past decade.
The future of small-dollar bank loans depends on whether or not bankers find a way to integrate them with the rest of a bank' s products. Person-to-person lending may represent a new credit option for both borrowers and lenders that open up new forms of business.
"Consumers have shifted away from traditional sources of small-dollar credit as new options have become available," says Ben Jackson, senior analyst with Mercator Advisory Group' s Prepaid Advisory Service. "The future of the small-dollar loan market will be largely determined by how lenders position their products as the best deals in front of two audiences -- the borrowers and the regulators."
This report contains 35 pages and 25 exhibits.
Companies mentioned in this report: Web Bank, Visa, Prosper, MasterCard, Lending Club, Kiva, Federal Deposit Insurance Corp., and Community Financial Services Association.