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P2Pレンディング (ピアツーピアレンディング) :混乱への対応

P2P Lending: Responding to Disruption

発行 Verdict Financial 商品コード 352428
出版日 ページ情報 英文 13 Pages
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本日の銀行送金レート: 1USD=101.75円で換算しております。
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P2Pレンディング (ピアツーピアレンディング) :混乱への対応 P2P Lending: Responding to Disruption
出版日: 2016年01月31日 ページ情報: 英文 13 Pages
概要

当レポートでは、P2Pレンディング (ピアツーピアレンディング) の台頭とそれが小売銀行の借り手に及ぼす影響について包括的に分析しており、P2Pレンディングの仕組みとプラットフォームの競争上の優位性などについて、取り上げています。

エグゼクティブサマリー

P2Pレンディングのイントロダクション

  • 銀行は、より速くて安い、競争力のあるライバルからの大変な脅威に直面
    • 中国の銀行は最もP2Pレンディングによる競争の高まりにさらされている
  • 本レポートは銀行の預金よりも融資業務に対する脅威に焦点を当てる
    • P2Pプラットフォームは、従来型の銀行に対して400以上のベーシスポイントでコスト優位性を持つ
    • 運用益はP2Pプラットフォームに多数の機関投資家を惹きつける
    • P2Pプラットフォームは銀行の主要な優良顧客を直接ターゲットに
    • P2Pプラットフォームはアドボカシーの強力な水準を構築
  • P2Pプラットフォームの強み
    • 少額融資はデフォルトのリスクを減らし、借り手の金利を引き下げる
    • 資金提供の仲介モデルは、より早く簡単な融資取組P2Pプラットフォームを提供
    • より深く、正確な信用リスクモデルは、P2Pプラットフォームへ更なる競争料金の提供を可能に
    • P2Pレンディングのプラットフォームは借り手の間で高い保持水準を保有
  • 主な要点

付録

目次
Product Code: VF0005IA

Summary

P2P platforms have grown exponentially in the last couple of years. Their superior customer experience, speed, and ultimately cost of credit have allowed P2P lending platforms to compete for banks' customer bases directly. P2P lending platforms are not attempting to serve a previously underserved segment of the market, but lucrative creditworthy borrowers. Alternative credit risk models are a key competitive advantage for P2P lending platforms, enabling cheaper cost of credit through more accurate default risk assessment. The more customers P2P lending platforms acquire, the more refined their credit risk models become and consequently the cheaper the cost of credit.

Key Findings

  • P2P lending platforms have a 400-425 basis point advantage over traditional banks in loan origination.
  • Retention of customers who have used a P2P platform before is high, with 75% saying they would approach one again when seeking a loan.
  • Fractional lending and alternative credit risk assessments allow platforms to reduce exposure to default and asses risk more accurately than banks.
  • The domination of institutional investors does pose a risk to the sustainability of some P2P platforms.

Synopsis

Verdict Financial's P2P Lending: Responding to Disruption report is a comprehensive analysis of the rise of Peer-to-Peer consumer lending and its impact upon retail banks' borrowers. The report details the impact of P2P lenders upon banks' deposit bases. The report shows the growth of P2P lending platforms across the globe and highlights which markets are most at risk from disruption. Readers will gain a thorough understanding of the development and evolution of P2P consumer lending over the last decade. In addition, the report focuses on how P2P lending works and how this contributes to the platform's competitive advantage. Lastly the report recommends improvements banks should make to their own business, in addition to highlighting their own strengths in relation to customer lending and how these can be leveraged to compete with P2P lending platforms.

Reasons To Buy

  • Identify emerging consumer trends in lending and learn how to re-orientate your business accordingly.
  • Understand the threat posed by P2P consumer lending platforms in your individual market.
  • Learn about the strengths of P2P consumer lending platforms and how they are able to offer customers a superior experience in terms of cost and ease of access.
  • Gain tactical insight into what changes can be made to banks' operations and business strategies.
  • Learn about the focus of P2P consumer lending business and how these platforms are positioning their business for the future.

Table of Contents

EXECUTIVE SUMMARY

  • P2P lending platforms are leaner, more dynamic, and more customer-friendly
  • P2P lending is rapidly growing in the UK due to conducive regulation, as well as the platforms themselves
  • Key findings
  • Critical success factors

INTRODUCTION TO P2P LENDING

  • Banks face a formidable threat from a faster, cheaper, leaner rival
    • Chinese banks are most exposed to the greater competition from P2P lending
  • This report focuses on the threat to banks' loan business rather than deposits
    • P2P platforms hold a 400+ basis point cost advantage over traditional banks
    • Returns have attracted large institutional investors to P2P platforms
    • P2P platforms have directly targeted the banks' core prime customers
    • P2P platforms are building strong levels of advocacy
  • Strengths of P2P platforms
    • Fractional lending reduces default risk and lowers interest rates for borrowers
    • Intermediated funding models provide P2P platforms with faster and easier loan origination
    • Deeper, more accurate credit risk models allow P2P platforms to offer more competitive rates
    • P2P lending platforms have high retention levels among borrowers
  • Key takeaways

APPENDIX

  • Abbreviations and acronyms
  • Methodology
    • Verdict Financial's 2015 Retail Banking Insight Survey
    • Markets included in each region
  • Bibliography
  • About Verdict Financial
  • Disclaimer
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