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P2P (ピアツーピア) レンディング:欧州の展望

An Introduction to Peer-to-Peer Lending: A European Perspective

発行 Mercator Advisory Group, Inc. 商品コード 332288
出版日 ページ情報 英文 24 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=114.71円で換算しております。
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P2P (ピアツーピア) レンディング:欧州の展望 An Introduction to Peer-to-Peer Lending: A European Perspective
出版日: 2015年06月09日 ページ情報: 英文 24 pages
概要

2008年以降の世界的な景気の悪化や財政危機から、個人および企業は従来の金融機関からの融資獲得に苦戦しています。欧州では特にユーロ加盟国の不安定性から新規借り入れ資金の獲得が特に困難となっています。このため個人や事業者は代替的な資金調達手法に注目しています。

当レポートでは、欧州におけるP2P (ピアツーピア) レンディングの動向について調査し、消費者および中小企業向けのビジネスモデル、欧州の市場環境と主な事業者のプロファイル、法規制環境、欧州およびその他の地域におけるP2Pレンディングへの認識などをまとめています。

本書のハイライト

  • P2Pレンディングの各種モデルの概要・消費者および中小企業向けレンディングの事業案
  • 欧州の消費者および中小企業向けP2Pレンディングの市場環境のレビュー・主要事業者のプロファイル
  • 欧州のP2Pレンディング市場のマッピング・各国をターゲットとする事業者の特定
  • P2Pレンディングの法規制モデルの検証・欧州および世界の他の地域での認識

本調査で言及した企業

  • Bitbond
  • Funding Circle
  • Lending Club
  • Lloyds Banking Group
  • Peer2Peer Finance Association
  • Prosper
  • RateSetter
  • Royal Bank of Scotland
  • Santander UK
  • ThinCats
  • Zopa
  • その他
    • Assetz Capital
    • Auxmoney
    • Call Credit
    • Comunitae
    • Bondura
    • Equifax
    • Finansowo
    • FriendsClear
    • FundingKnight
    • Lendico
    • Lending Works
    • Pret d'Union
    • Smartika
    • Smava
    • TrustBuddy
    • Zank、など
目次

Since the 2008 global economic and financial crisis, individuals and businesses around the world have struggled to obtain financing from traditional lenders. In Europe the difficulty in obtaining new financing has been drawn out further by the instability among member states participating in the eurozone. As a result of this ongoing financing constraint, individuals and businesses have looked to alternative sources to obtain funding. To fill this market niche, new financing models have been created in the past few years and new providers have entered the market with platforms that match investors with prospective borrowers. These services enable individuals and small to medium-sized enterprises that cannot obtain loans from traditional lenders to obtain the funding they need for a new car, to pay off credit cards, or to expand their businesses.

Mercator Advisory Group's research report, ‘An Introduction to Peer-to-Peer Lending: A European Perspective’ analyzes the new and fast growing payments segment known as peer-to-peer (P2P) lending and the business models underpinning it. This report focuses on P2P lending providers in the European market, in particular the U.K., profiling the leaders in both the consumer segment and the business lending market.

“Because P2P lending volumes today are equivalent to only a small fraction of the lending undertaken by traditional financial institutions, P2P lending platforms can be viewed as an interesting development but not a competitive threat to traditional lenders. However, the emergence of P2P lending is a valuable new source of financing in the post-2008 global economic and financial world and has the potential to close the ‘credit gap' in mature and developing markets and allow consumers and businesses to obtain financing that can benefit the overall economy,” comments Tristan Hugo-Webb, Associate Director, Global Payments Advisory Service at Mercator Advisory Group and the primary author of the research.

Highlights of the report include:

  • Overview of P2P lending models and business proposition for consumer and SME business lending segments
  • Review of European P2P lending landscape for both consumer and SME business lending with profiles of key players in both segments
  • Map of European P2P lending market identifying players targeting various countries
  • Examination of P2P lending regulatory models and perceptions in Europe and elsewhere around the world

One of the exhibits included in this report:

                        Sources: University of Cambridge, Mercator Advisory Group.

This report contains 24 pages and 7 exhibits.

Companies mentioned in this report include: Bitbond, Funding Circle, Lending Club, Lloyds Banking Group, Peer2Peer Finance Association, Prosper, RateSetter, Royal Bank of Scotland, Santander UK, ThinCats, and Zopa. Also noted are Assetz Capital, Auxmoney, Call Credit, Comunitae, Bondura, Equifax, Finansowo, FriendsClear, FundingKnight, Lendico, Lending Works, Pret d'Union, Smartika, Smava, TrustBuddy, Zank, as well as MoneyAuction, Popfunding, Rangde, RainFin, and Society One.

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