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ピアツーピアレンディング市場 - 世界の産業規模、シェア、動向、機会、予測、ビジネスモデル別、エンドユーザー別、地域別、競合別、2020年～2030年

Peer to Peer Lending Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Business Model, By End User, By Region & Competition, 2020-2030F

出版日
ページ情報
英文 122 Pages
納期
2～3営業日
カスタマイズ可能
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ピアツーピアレンディング市場 - 世界の産業規模、シェア、動向、機会、予測、ビジネスモデル別、エンドユーザー別、地域別、競合別、2020年～2030年
出版日: 2025年04月25日
発行: TechSci Research
ページ情報: 英文 122 Pages
納期: 2～3営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 目次
概要

世界のピアツーピア（P2P）レンディング市場は、2024年に1,784億3,000万米ドルと評価され、2030年までには3,675億6,000万米ドルに達すると予測され、予測期間中のCAGRは12.8％で成長します。

この市場は、従来の金融機関をバイパスして借り手と貸し手を直接つなぐ分散型モデルを提供することで、従来のレンディング慣行を再構築しています。P2Pプラットフォームは、合理化されたプロセス、効率的なローン承認、借り手にとっては低金利の可能性がある一方で、投資家にとっては魅力的なリターンを提供できることから、人気を集めています。このセクターは、中小企業や銀行ローンを利用できない個人など、十分なサービスを受けていない層にとって特に魅力的です。規制の不確実性や信用リスクといった課題にもかかわらず、P2Pレンディングのエコシステムは、技術革新、デジタルインフラの拡大、代替レンディングソリューションに対する需要の高まりに後押しされ、進化を続けています。業界の成熟化に伴い、強固な規制フレームワークと高度なリスク管理システムの開発が、持続的な成長とプラットフォームの健全性を維持するための鍵となると思われます。

市場概要
予測期間 2026年～2030年
市場規模：2024年 1,784億3,000万米ドル
市場規模：2030年 3,675億6,000万米ドル
CAGR：2025年～2030年 12.8%
急成長セグメント スモールビジネス
最大市場 北米

主要な市場促進要因

技術の進歩とデジタル化

主要な市場課題

規制の不確実性とコンプライアンス

主要市場動向

人工知能と機械学習の統合

目次

第1章 イントロダクション

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声分析

  • ブランド認知度
  • 購買決定に影響を与える要因

第5章 世界のピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
    • 金額別
  • 市場シェア・予測
    • ビジネスモデル別（従来のP2Pモデル、マーケットプレースレンディングモデル）
    • エンドユーザー別（消費者信用、中小企業、学生ローン、不動産）
    • 地域別
    • 上位5社、その他（2024年）
  • 世界P2Pレンディング市場マッピングと機会評価
    • ビジネスモデル別
    • エンドユーザー別
    • 地域別

第6章 北米のピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
  • 市場シェア・予測

第7章 欧州のピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
  • 市場シェア・予測

第8章 アジア太平洋のピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
  • 市場シェア・予測

第9章 中東・アフリカのピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
  • 市場シェア・予測

第10章 南米のピアツーピア（P2P）レンディング市場の展望

  • 市場規模・予測
  • 市場シェア・予測

第11章 市場力学

  • 促進要因
  • 課題

第12章 市場動向と発展

  • 合併と買収
  • ビジネスモデルの立ち上げ
  • 最近の動向

第13章 SWOT分析

  • 強み
  • 弱み
  • 機会
  • 脅威

第14章 競合情勢

  • 企業プロファイル
    • Funding Circle Limited.
    • Lendingclub Bank
    • LendingTree, LLC
    • SocietyOne Australia Pty Ltd.
    • Upstart Network, Inc.
    • Lending Loop
    • Prosper Funding LLC
    • goPeer Corporation
    • Harmoney Australia Pty Ltd
    • Linked P2P Limited

第15章 戦略的提言・アクションプラン

  • 主要な重点分野
    • 対象：ビジネスモデル
    • 対象：エンドユーザー
    • 対象：地域

第16章 調査会社について・免責事項

目次
Product Code: 3996

The Global Peer-to-Peer (P2P) Lending Market was valued at USD 178.43 billion in 2024 and is projected to reach USD 367.56 billion by 2030, growing at a CAGR of 12.8% during the forecast period. This market is reshaping traditional lending practices by offering a decentralized model that connects borrowers directly with individual lenders, bypassing conventional financial institutions. P2P platforms are gaining traction due to their streamlined processes, efficient loan approvals, and potential for lower interest rates for borrowers, while offering attractive returns for investors. The sector is particularly appealing to underserved segments such as small businesses and individuals lacking access to bank loans. Despite challenges such as regulatory uncertainty and credit risk, the P2P lending ecosystem continues to evolve, driven by technological innovation, expanding digital infrastructure, and the growing demand for alternative financing solutions. As the industry matures, the development of robust regulatory frameworks and advanced risk management systems will be key to maintaining sustainable growth and ensuring platform integrity.

Market Overview
Forecast Period2026-2030
Market Size 2024USD 178.43 Billion
Market Size 2030USD 367.56 Billion
CAGR 2025-203012.8%
Fastest Growing SegmentSmall Business
Largest MarketNorth America

Key Market Drivers

Technological Advancements and Digitalization

The rapid advancement of digital technologies and financial innovation is a fundamental driver of the global P2P lending market. P2P platforms utilize advanced algorithms and data analytics to match lenders with borrowers and perform accurate credit risk assessments. These platforms operate with minimal overhead costs compared to traditional banking institutions, enabling them to offer competitive loan terms and faster processing. Digitalization has simplified the entire borrowing and lending experience, from application and approval to fund disbursement and repayment, thereby enhancing accessibility and appeal to tech-savvy users across the globe.

Key Market Challenges

Regulatory Uncertainty and Compliance

A major challenge for the P2P lending industry is the lack of consistent and comprehensive regulatory frameworks across different markets. In many regions, P2P platforms operate without formal oversight, creating risks related to fraud, inadequate borrower vetting, and limited investor protection. This regulatory ambiguity can undermine consumer confidence and restrict industry scalability. As the market expands, regulators are increasingly called upon to implement standardized guidelines that safeguard stakeholders while supporting innovation and growth in the alternative lending space.

Key Market Trends

Integration of Artificial Intelligence and Machine Learning

The integration of AI and machine learning is emerging as a transformative trend in the P2P lending industry. These technologies enable platforms to enhance credit scoring accuracy, automate loan approvals, and detect fraudulent activities with greater precision. AI-driven insights help platforms tailor loan offerings based on borrower behavior and risk profiles, while continuous learning models adapt to market changes, improving operational efficiency. As platforms become more intelligent, lenders and borrowers benefit from improved transparency, better user experience, and stronger risk mitigation.

Key Market Players

  • Funding Circle Limited
  • Lendingclub Bank
  • LendingTree, LLC
  • SocietyOne Australia Pty Ltd.
  • Upstart Network, Inc.
  • Lending Loop
  • Prosper Funding LLC
  • goPeer Corporation
  • Harmoney Australia Pty Ltd
  • Linked P2P Limited

Report Scope:

In this report, the Global Peer-to-Peer (P2P) Lending Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Peer-to-Peer (P2P) Lending Market, By Business Model:

  • Traditional P2P Model
  • Marketplace Lending Model

Peer-to-Peer (P2P) Lending Market, By End User:

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

Peer-to-Peer (P2P) Lending Market, By Region:

  • North America
  • United States
  • Canada
  • Mexico
  • Europe
  • France
  • Germany
  • Spain
  • Italy
  • United Kingdom
  • Asia-Pacific
  • China
  • Japan
  • India
  • Vietnam
  • South Korea
  • Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE
  • Turkey
  • Kuwait
  • Egypt
  • South America
  • Brazil
  • Argentina
  • Colombia

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Peer-to-Peer (P2P) Lending Market.

________________________________________

Available Customizations:

Global Peer-to-Peer (P2P) Lending Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Introduction

  • 1.1. Product Overview
  • 1.2. Key Highlights of the Report
  • 1.3. Market Coverage
  • 1.4. Market Segments Covered
  • 1.5. Research Tenure Considered

2. Research Methodology

  • 2.1. Methodology Landscape
  • 2.2. Objective of the Study
  • 2.3. Baseline Methodology
  • 2.4. End Userulation of the Scope
  • 2.5. Assumptions and Limitations
  • 2.6. Sources of Research
  • 2.7. Approach for the Market Study
  • 2.8. Methodology Followed for Calculation of Market Size & Market Shares
  • 2.9. Forecasting Methodology

3. Executive Summary

  • 3.1. Overview of the Market
  • 3.2. Overview of Key Market Segmentations
  • 3.3. Overview of Key Market Players
  • 3.4. Overview of Key Regions
  • 3.5. Overview of Market Drivers, Challenges, and Trends

4. Voice of Customer Analysis

  • 4.1. Brand Awareness
  • 4.2. Factor Influencing Purchasing Decision

5. Global Peer to Peer (P2P) Lending Market Outlook

  • 5.1. Market Size & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share & Forecast
    • 5.2.1. By Business Model Market Share Analysis (Traditional P2P Model, Marketplace Lending Model)
    • 5.2.2. By End User Market Share Analysis (Consumer Credit, Small Business, Student Loans, Real Estate)
    • 5.2.3. By Regional Market Share Analysis
      • 5.2.3.1. North America Market Share Analysis
      • 5.2.3.2. Europe Market Share Analysis
      • 5.2.3.3. Asia-Pacific Market Share Analysis
      • 5.2.3.4. Middle East & Africa Market Share Analysis
      • 5.2.3.5. South America Market Share Analysis
    • 5.2.4. By Top 5 Companies Market Share Analysis, Others (2024)
  • 5.3. Global Peer to Peer (P2P) Lending Market Mapping & Opportunity Assessment
    • 5.3.1. By Business Model Market Mapping & Opportunity Assessment
    • 5.3.2. By End User Market Mapping & Opportunity Assessment
    • 5.3.3. By Regional Market Mapping & Opportunity Assessment

6. North America Peer to Peer (P2P) Lending Market Outlook

  • 6.1. Market Size & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share & Forecast
    • 6.2.1. By Business Model Market Share Analysis
    • 6.2.2. By End User Market Share Analysis
    • 6.2.3. By Country Market Share Analysis
      • 6.2.3.1. United States Peer to Peer (P2P) Lending Market Outlook
        • 6.2.3.1.1. Market Size & Forecast
        • 6.2.3.1.1.1. By Value
        • 6.2.3.1.2. Market Share & Forecast
        • 6.2.3.1.2.1. By Business Model Market Share Analysis
        • 6.2.3.1.2.2. By End User Market Share Analysis
      • 6.2.3.2. Canada Peer to Peer (P2P) Lending Market Outlook
        • 6.2.3.2.1. Market Size & Forecast
        • 6.2.3.2.1.1. By Value
        • 6.2.3.2.2. Market Share & Forecast
        • 6.2.3.2.2.1. By Business Model Market Share Analysis
        • 6.2.3.2.2.2. By End User Market Share Analysis
      • 6.2.3.3. Mexico Peer to Peer (P2P) Lending Market Outlook
        • 6.2.3.3.1. Market Size & Forecast
        • 6.2.3.3.1.1. By Value
        • 6.2.3.3.2. Market Share & Forecast
        • 6.2.3.3.2.1. By Business Model Market Share Analysis
        • 6.2.3.3.2.2. By End User Market Share Analysis

7. Europe Peer to Peer (P2P) Lending Market Outlook

  • 7.1. Market Size & Forecast
    • 7.1.1. By Value
  • 7.2. Market Share & Forecast
    • 7.2.1. By Business Model Market Share Analysis
    • 7.2.2. By End User Market Share Analysis
    • 7.2.3. By Country Market Share Analysis
      • 7.2.3.1. France Peer to Peer (P2P) Lending Market Outlook
        • 7.2.3.1.1. Market Size & Forecast
        • 7.2.3.1.1.1. By Value
        • 7.2.3.1.2. Market Share & Forecast
        • 7.2.3.1.2.1. By Business Model Market Share Analysis
        • 7.2.3.1.2.2. By End User Market Share Analysis
      • 7.2.3.2. Germany Peer to Peer (P2P) Lending Market Outlook
        • 7.2.3.2.1. Market Size & Forecast
        • 7.2.3.2.1.1. By Value
        • 7.2.3.2.2. Market Share & Forecast
        • 7.2.3.2.2.1. By Business Model Market Share Analysis
        • 7.2.3.2.2.2. By End User Market Share Analysis
      • 7.2.3.3. Spain Peer to Peer (P2P) Lending Market Outlook
        • 7.2.3.3.1. Market Size & Forecast
        • 7.2.3.3.1.1. By Value
        • 7.2.3.3.2. Market Share & Forecast
        • 7.2.3.3.2.1. By Business Model Market Share Analysis
        • 7.2.3.3.2.2. By End User Market Share Analysis
      • 7.2.3.4. Italy Peer to Peer (P2P) Lending Market Outlook
        • 7.2.3.4.1. Market Size & Forecast
        • 7.2.3.4.1.1. By Value
        • 7.2.3.4.2. Market Share & Forecast
        • 7.2.3.4.2.1. By Business Model Market Share Analysis
        • 7.2.3.4.2.2. By End User Market Share Analysis
      • 7.2.3.5. United Kingdom Peer to Peer (P2P) Lending Market Outlook
        • 7.2.3.5.1. Market Size & Forecast
        • 7.2.3.5.1.1. By Value
        • 7.2.3.5.2. Market Share & Forecast
        • 7.2.3.5.2.1. By Business Model Market Share Analysis
        • 7.2.3.5.2.2. By End User Market Share Analysis

8. Asia-Pacific Peer to Peer (P2P) Lending Market Outlook

  • 8.1. Market Size & Forecast
    • 8.1.1. By Value
  • 8.2. Market Share & Forecast
    • 8.2.1. By Business Model Market Share Analysis
    • 8.2.2. By End User Market Share Analysis
    • 8.2.3. By Country Market Share Analysis
      • 8.2.3.1. China Peer to Peer (P2P) Lending Market Outlook
        • 8.2.3.1.1. Market Size & Forecast
        • 8.2.3.1.1.1. By Value
        • 8.2.3.1.2. Market Share & Forecast
        • 8.2.3.1.2.1. By Business Model Market Share Analysis
        • 8.2.3.1.2.2. By End User Market Share Analysis
      • 8.2.3.2. Japan Peer to Peer (P2P) Lending Market Outlook
        • 8.2.3.2.1. Market Size & Forecast
        • 8.2.3.2.1.1. By Value
        • 8.2.3.2.2. Market Share & Forecast
        • 8.2.3.2.2.1. By Business Model Market Share Analysis
        • 8.2.3.2.2.2. By End User Market Share Analysis
      • 8.2.3.3. India Peer to Peer (P2P) Lending Market Outlook
        • 8.2.3.3.1. Market Size & Forecast
        • 8.2.3.3.1.1. By Value
        • 8.2.3.3.2. Market Share & Forecast
        • 8.2.3.3.2.1. By Business Model Market Share Analysis
        • 8.2.3.3.2.2. By End User Market Share Analysis
      • 8.2.3.4. Vietnam Peer to Peer (P2P) Lending Market Outlook
        • 8.2.3.4.1. Market Size & Forecast
        • 8.2.3.4.1.1. By Value
        • 8.2.3.4.2. Market Share & Forecast
        • 8.2.3.4.2.1. By Business Model Market Share Analysis
        • 8.2.3.4.2.2. By End User Market Share Analysis
      • 8.2.3.5. South Korea Peer to Peer (P2P) Lending Market Outlook
        • 8.2.3.5.1. Market Size & Forecast
        • 8.2.3.5.1.1. By Value
        • 8.2.3.5.2. Market Share & Forecast
        • 8.2.3.5.2.1. By Business Model Market Share Analysis
        • 8.2.3.5.2.2. By End User Market Share Analysis

9. Middle East & Africa Peer to Peer (P2P) Lending Market Outlook

  • 9.1. Market Size & Forecast
    • 9.1.1. By Value
  • 9.2. Market Share & Forecast
    • 9.2.1. By Business Model Market Share Analysis
    • 9.2.2. By End User Market Share Analysis
    • 9.2.3. By Country Market Share Analysis
      • 9.2.3.1. South Africa Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.1.1. Market Size & Forecast
        • 9.2.3.1.1.1. By Value
        • 9.2.3.1.2. Market Share & Forecast
        • 9.2.3.1.2.1. By Business Model Market Share Analysis
        • 9.2.3.1.2.2. By End User Market Share Analysis
      • 9.2.3.2. Saudi Arabia Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.2.1. Market Size & Forecast
        • 9.2.3.2.1.1. By Value
        • 9.2.3.2.2. Market Share & Forecast
        • 9.2.3.2.2.1. By Business Model Market Share Analysis
        • 9.2.3.2.2.2. By End User Market Share Analysis
      • 9.2.3.3. UAE Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.3.1. Market Size & Forecast
        • 9.2.3.3.1.1. By Value
        • 9.2.3.3.2. Market Share & Forecast
        • 9.2.3.3.2.1. By Business Model Market Share Analysis
        • 9.2.3.3.2.2. By End User Market Share Analysis
      • 9.2.3.4. Turkey Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.4.1. Market Size & Forecast
        • 9.2.3.4.1.1. By Value
        • 9.2.3.4.2. Market Share & Forecast
        • 9.2.3.4.2.1. By Business Model Market Share Analysis
        • 9.2.3.4.2.2. By End User Market Share Analysis
      • 9.2.3.5. Kuwait Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.5.1. Market Size & Forecast
        • 9.2.3.5.1.1. By Value
        • 9.2.3.5.2. Market Share & Forecast
        • 9.2.3.5.2.1. By Business Model Market Share Analysis
        • 9.2.3.5.2.2. By End User Market Share Analysis
      • 9.2.3.6. Egypt Peer to Peer (P2P) Lending Market Outlook
        • 9.2.3.6.1. Market Size & Forecast
        • 9.2.3.6.1.1. By Value
        • 9.2.3.6.2. Market Share & Forecast
        • 9.2.3.6.2.1. By Business Model Market Share Analysis
        • 9.2.3.6.2.2. By End User Market Share Analysis

10. South America Peer to Peer (P2P) Lending Market Outlook

  • 10.1. Market Size & Forecast
    • 10.1.1. By Value
  • 10.2. Market Share & Forecast
    • 10.2.1. By Business Model Market Share Analysis
    • 10.2.2. By End User Market Share Analysis
    • 10.2.3. By Country Market Share Analysis
      • 10.2.3.1. Brazil Peer to Peer (P2P) Lending Market Outlook
        • 10.2.3.1.1. Market Size & Forecast
        • 10.2.3.1.1.1. By Value
        • 10.2.3.1.2. Market Share & Forecast
        • 10.2.3.1.2.1. By Business Model Market Share Analysis
        • 10.2.3.1.2.2. By End User Market Share Analysis
      • 10.2.3.2. Argentina Peer to Peer (P2P) Lending Market Outlook
        • 10.2.3.2.1. Market Size & Forecast
        • 10.2.3.2.1.1. By Value
        • 10.2.3.2.2. Market Share & Forecast
        • 10.2.3.2.2.1. By Business Model Market Share Analysis
        • 10.2.3.2.2.2. By End User Market Share Analysis
      • 10.2.3.3. Colombia Peer to Peer (P2P) Lending Market Outlook
        • 10.2.3.3.1. Market Size & Forecast
        • 10.2.3.3.1.1. By Value
        • 10.2.3.3.2. Market Share & Forecast
        • 10.2.3.3.2.1. By Business Model Market Share Analysis
        • 10.2.3.3.2.2. By End User Market Share Analysis

11. Market Dynamics

  • 11.1. Drivers
  • 11.2. Challenges

12. Market Trends & Developments

  • 12.1. Merger & Acquisition (If Any)
  • 12.2. Business Model Launches (If Any)
  • 12.3. Recent Developments

13. SWOT Analysis

  • 13.1. Strength
  • 13.2. Weaknesses
  • 13.3. Opportunity
  • 13.4. Threat

14. Competitive Landscape

  • 14.1. Company Profiles
    • 14.1.1. Funding Circle Limited.
      • 14.1.1.1. Business Overview
      • 14.1.1.2. Company Snapshot
      • 14.1.1.3. Products & Services
      • 14.1.1.4. Financials (As Per Availability)
      • 14.1.1.5. Key Market Focus & Geographical Presence
      • 14.1.1.6. Recent Developments
      • 14.1.1.7. Key Management Personnel
    • 14.1.2. Lendingclub Bank
    • 14.1.3. LendingTree, LLC
    • 14.1.4. SocietyOne Australia Pty Ltd.
    • 14.1.5. Upstart Network, Inc.
    • 14.1.6. Lending Loop
    • 14.1.7. Prosper Funding LLC
    • 14.1.8. goPeer Corporation
    • 14.1.9. Harmoney Australia Pty Ltd
    • 14.1.10.Linked P2P Limited

15. Strategic Recommendations/Action Plan

  • 15.1. Key Focus Areas
    • 15.1.1. Target Business Model
    • 15.1.2. Target End User
    • 15.1.3. Target Region

16. About Us & Disclaimer