Consumer Credit Market Growth, Share, and Size | 2031
消费信贷市场规模及趋势
消费信贷市场规模预计将从2023年的121.8亿美元增长到2031年的186.0亿美元;预计 2023 年至 2031 年复合年增长率将达到 5.4%。消费者信贷,通常称为消费者债务,是为了获取商品或服务而产生的个人债务。尽管任何类型的个人贷款都可以归类为消费信贷,但该短语最常用于表示小额无担保债务。消费者信贷统计是监测经济健康状况的关键指标。它反映了特定经济体中消费者的消费能力。
消费信贷市场分析
信贷是消费者消费的重要推动力,否则消费者将无法消费。无法购买特定产品。随着越来越多的人在网上购物,创新的销售点金融数字解决方案(通常由灵活的技术企业设计并无缝集成到客户旅程中)在千禧一代购物者中越来越受欢迎,他们对现有银行数字化能力不足持谨慎态度。技术进步和支持性监管使这些新竞争对手更容易破坏现有企业对贷款价值链的控制,并在更快、更个性化和更高效的服务交付的基础上进行竞争。欧洲各地以前将消费者与银行联系在一起的忠诚度和惰性正在消失,因为监管使得与多家金融服务提供商建立合作伙伴关系变得比以往任何时候都容易。
消费者信贷 < strong>行业概览
- 推动消费信贷市场增长的一些主要因素是城市生活方式的改变、电子商务在世界各地区的迅速普及、技术进步等。例如,人工智能的引入将改变消费借贷的根本流程。人工智能技术旨在改进和简化管理任务,使银行工作人员能够将更多时间投入到客户联系上。人工智能驱动的交互可实现无缝的客户引导,并缩短风险和合规职责的周转时间。积极的消费者体验可以提高客户忠诚度和推荐量。
- 一个国家的消费信贷业务很大程度上取决于该国消费者的消费行为。例如,2023 年英国的消费卡支出同比仅增长 4.1%,远低于 2022 年的增长率(10.6%),原因是英国人因经济增长而减少了新衣服、外出就餐和家居装修的支出。通货膨胀和家庭成本。另一方面,消费者继续优先考虑欢乐时刻和共享体验,推动旅游、娱乐和酒吧的增长。
消费信贷市场驱动力
对支出灵活性的需求推动消费信贷市场
- 提供消费贷款可提供当今客户所需的灵活性,从而提高转化率。据国外媒体报道Colonial Investment Trust 的千禧一代金钱调查显示,16% 的千禧一代每月不存任何钱,780 万人根本没有储蓄。
- 千禧一代经常重视旅行、外出就餐和娱乐等体验,而不是传统资产所有权,例如房屋和汽车。因此,个人可能会更多地依赖信用卡和个人贷款来为这些体验提供资金,从而刺激了消费信贷市场的需求。
消费信贷 strong> 市场报告细分分析
- 根据信贷类型,消费信贷市场报告分为循环信贷和非循环信贷。
- 循环信贷,其中包括信用卡,可用于任何购买。信贷是“循环”的,即信贷额度保持开放状态,只要借款人继续按时支付每月最低还款额,就可以重复使用至全额限额。
p>
消费信贷 按地理位置进行市场分析
消费信贷市场报告的范围是主要分为五个地区——北美、欧洲、亚太、中东和非洲。非洲、南美洲。北美正在经历快速增长,预计将占据重要的消费信贷市场份额。该地区经济的显着发展、人口的增长以及对风险管理和保险的日益关注促进了这一增长。北美是美国和加拿大等许多发展中国家的所在地,推动了消费信贷市场的增长。
消费信贷 市场报告范围
“消费信贷市场分析”是根据核心投资策略和地理位置进行的。就信贷类型而言,市场分为循环信贷和非循环信贷。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲和南美洲。
报告属性 | 详情 |
2023年市场规模 | 121.8亿美元 |
2031 年市场规模 | 美元186 亿美元 < /td> |
全球复合年增长率(2023-2031) | 5.4% |
实际数据 p> | 2021 2023 |
预测时期 | 2024年 – 2031年< /p> |
报告覆盖范围 | 市场规模和预测(美元)、市场驱动因素和预测趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况 |
细分市场 | 类型(循环积分、非循环积分);服务类型(信用服务、软件和 IT 支持服务);发行人(银行和金融公司、信用社等);付款方式(直接存款、借记卡等) |
区域覆盖范围 | 北美、欧洲、亚太地区、南美、中东和非洲 |
国家/地区覆盖范围 | 美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本;韩国;澳大利亚;巴西;阿根廷;沙特阿拉伯;阿联酋;南非 |
市场领导者和主要公司简介 < /td> | 美国运通、美国银行、花旗、富国银行、第一资本银行、Revolut、巴克莱、Discover、Finastra、Affirm |
消费信贷市场新闻和最新动态< /p>
企业在消费信贷市场上采取并购等无机和有机策略。下面列出了最近的一些关键市场动态:
- 2024 年 2 月,巴克莱银行 (Barclays PLC) 和 Blackstone Credit & nbsp; Insurance 今天宣布,特拉华州巴克莱银行 (Barclays Bank Delaware) 已与 Blackstone 资产金融集团管理的保险账户达成协议,将出售与特拉华州一组明确的巴克莱品牌信用卡账户相关的约 11 亿美元的当前未偿信用卡应收账款。美利坚合众国。这是巴克莱计划开展的一系列活动中的第一项,旨在减少其风险加权资产 (RWA) 并为 BBDE 创造额外的贷款能力。
[来源:巴克莱 PLC,公司网站]
消费者信贷 市场报告覆盖范围和市场报告可交付成果
市场报告《消费信贷市场规模与预测(2021年-2031年)》提供了对以下领域市场的详细分析-
- 市场尺寸&对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 主要未来趋势。
- 详细的 PEST 和分析SWOT 分析
- 全球和区域市场分析,涵盖主要市场趋势、关键参与者、法规和近期市场发展。
- 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和近期发展。
- 详细的公司简介。
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
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Segment Covered
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Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
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Frequently Asked Questions
The global consumer credit market was estimated to be US$ 12.18 billion in 2023 and is expected to grow at a CAGR of 5.4% during the forecast period 2023 - 2031.
The use of AI and data analytics is impacting consumer credit, which is anticipated to bring new consumer credit market trends in the coming years.
The key players holding majority shares in the global Consumer Credit market are American Express, U.S. Bank, Citi, and Wells Fargo Bank.
The global consumer credit market is expected to reach US$ 18.60 billion by 2031.
Demand for flexibility in spending and rapid urbanization are the major factors that propel the global consumer credit market growth.
- American Express
- U.S. Bank
- Citi
- Wells Fargo Bank
- Capital One Bank
- Revolut
- Barclays
- Discover
- Finastra
- Affirm
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
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Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
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Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
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We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
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- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.