市場調査レポート

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

発行 Mercator Advisory Group, Inc. 商品コード 177405
出版日 ページ情報 英文 35 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=105.69円で換算しております。
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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
概要

現在、小額融資市場はクレジットカード、ペイデイローン、銀行の小額融資、インターネットのP2P融資の4つのセグメントが中心です。金融危機以来、米国における汎用クレジットカード以外のカード保有率は26%から40%に上昇しましたが、その間ペイデイローンは規制の強化や、銀行との提携を失いました。今後は徐々に従来の方法から新しいサービスへの消費者のシフトが進むと考えられています。

当レポートでは、米国の小額融資市場について、市場動向、市場規模、各カテゴリーごとの動向、主な企業のプロファイルなどをまとめ、概略以下の構成でお届けいたします。

イントロダクション

縮小し続けるクレジットカード市場

ペイデイローンにかかる圧力

  • ベストプラクティス:CFSAメンバーは下記のベストプラクティスを遵守する必要がある

銀行の小額融資

P2P融資はいまや正式な選択肢

  • Kiva
  • Prosper
  • Lending Club

結論

図表

目次

Abstract

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."

Highlights of this report include:

  • Consumers have long needed sources of short-term credit, but the sources of that credit have varied over time
  • Credit cards, payday loans, small-dollar bank loans, and person-to-person loans appear to be the most active small-loan markets today.
  • Credit card use and the number of accounts are declining, and it is unclear whether these declines are permanent.
  • Payday loans have filled the gap for some consumer segments, but regulatory pressure may mean that this option disappears for many consumers.
  • Small-dollar bank loans may make a comeback, but it will depend on whether or not banks can find a way to offer them profitably.
  • Person-to-person lending companies have spring up, and the future of small dollar credit may be found in these Internet-driven products that give consumers another way to shop for the best deals.

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.

Table of Contents

Introduction

Credit Cards Have Shrunk, Maybe Permanently

Payday Lending Is Under Pressure

  • Best Practices for the Payday Advance Industry: CFSA members must abide by the following Best Practices:

Banks Are Making Small Dollar Loans

Person-to-Person Lending is a Formal Option Now

  • Kiva
  • Prosper
  • Lending Club

Conclusion

TABLE OF FIGURES

  • Figure 1: Sources of Small-Dollar Loans
  • Figure 2: Credit Card Ownership Is Down
  • Figure 3: Credit Card Use Is Down
  • Figure 4: Causes for Declines in Credit Cards
  • Figure 5: How a Payday Loan Works
  • Figure 6: A Brief Overview of Payday Lending
  • Figure 7: Regulatory Considerations on Payday Loans
  • Figure 8: Divergent Futures for Payday Lending
  • Figure 9: The FDIC Small-Dollar Loan Pilot
  • Figure 10: The FDIC Small-Dollar Loan Statistics
  • Figure 11: The FDIC Small-Dollar Loan Template
  • Figure 12: Lesson Learned from the FDIC Small-Dollar Loan Pilot
  • Figure 13: Future Small-Dollar Loan Programs
  • Figure 14: Rules Small-Dollar Loans in Dodd-Frank
  • Figure 15: Person-to-Person Lending is an Option
  • Figure 16: How Kiva Works
  • Figure 17: Kiva Lending Statistics
  • Figure 18: How Prosper Works
  • Figure 19: Fees Charged by Prosper
  • Figure 20: Uses of Prosper Loans
  • Figure 21: Prosper Loans as of Dec 26, 2010
  • Figure 22: How Lending Club Works
  • Figure 24: How Lending Club Borrowers Use Their Loans
  • Figure 24: How Lending Club Borrowers Use Their Loans
  • Figure 25: Lending Club Loan Statistics
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