小额贷款市场增长、规模、份额、趋势、关键参与者分析及 2031 年预测

  • Report Code : TIPRE00039064
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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小额贷款市场规模及趋势

 

微型贷款市场规模预计将从 2023 年的 282 亿美元增长至到 2031 年,小额贷款市场规模将达到 724 亿美元;预计从 2023 年到 2031 年,小额贷款市场的复合年增长率将达到 12.5%。预计小额贷款市场将受到从传统贷款向小额贷款日益增长的推动。小额贷款具有灵活的还款计划、较低的运营成本和较低的市场风险等优势,吸引了借款人和贷款人。

 

小额贷款市场分析

 

小额贷款通过提供小额贷款使企业和个人能够有效地管理他们的开支。这使公司能够履行其财务义务并维持其运营,而不会面临重大的财务限制。小额融资的日益普及是小额贷款市场扩张的主要驱动力。越来越多的企业和个人认识到小额贷款的好处,包括获得资金、灵活的还款方式和较低的进入门槛。对小额贷款的需求增加推动了小额贷款市场的增长。

 

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小额贷款市场:

Micro Lending Market
  • 获取此报告的关键市场趋势。
    这个免费样品将包括数据分析,从市场趋势到估计和预测。

 

 

小额贷款行业概况

 

  • 小额贷款是指贷方向企业和个人提供小额贷款,帮助他们管理开支并有效履行财务义务。近年来,随着小额融资的普及,这种融资形式获得了显著的发展。
  • 小额贷款在支持那些无法获得传统金融机构贷款的企业和个人方面发挥着至关重要的作用。这些借款人通常被视为高风险或金融服务不足,因此很难通过传统方式获得贷款。小额贷款通过提供针对这些借款人特定需求的小额贷款来弥补这一差距。
  • 除了满足金融需求外,小额贷款还有助于促进金融包容性。通过向服务不足的人群提供信贷,小额贷款有助于促进经济发展、鼓励创业和减少贫困​​。许多小额贷款机构非常注重社会影响,旨在通过为个人和社区提供他们发展所需的金融资源来增强他们的能力。

 

小额贷款市场驱动因素

 

 

风险投资公司加大投资,推动小额贷款市场

 

  • 推动小额贷款市场增长的关键因素有几个。由于风险投资公司增加投资,预计未来几年小额贷款市场将出现大幅增长。预计这笔资本的涌入将推动小额贷款提供商的扩张和发展。中小企业融资解决方案提供商 BlueVine Inc. 就是一个例子,该公司于 2019 年 11 月通过 F 轮股权融资筹集了 1.025 亿美元。此次融资由 ION Crossover Partners 领投,Menlo Ventures、Lightspeed Venture Partners、SVB Capital、83North 和 Nationwide 等现有投资者也参与其中。
  • 这些投资用于创建一个综合银行平台,其中包括一个与 BlueVine 的技术支持的一系列在线融资产品无缝集成的商业支票账户。这种服务整合旨在提高借款人的可及性和便利性,为他们提供全面的金融解决方案。风险投资公司参与小额贷款行业表明人们对市场潜力的信心日益增强,并认识到其在支持小型企业和个人方面的重要性。这些投资不仅为小额贷款提供商扩大业务提供了必要的资本,而且还验证了小额贷款业务模式的可行性和可持续性。

 

小额贷款市场报告细分分析

 

  • 根据服务提供商,小额贷款市场预测分为银行和小额金融机构 (MFI)。预计银行部门将在 2023 年占据相当大的小额贷款市场份额。该部门的增长可归因于银行与其他小额贷款服务提供商之间日益增多的合作伙伴关系。
  • 这些合作旨在为众多小企业和企业主提供支持。一个值得注意的例子是亚洲开发银行 (ADB) 与汇丰印度于 2022 年 3 月达成的协议。他们建立了一项价值 1 亿美元的部分担保计划。
  • 该计划的主要目标是为印度 40 多万小额借款人提供支持,尤其是由女性领导的微型企业。银行与小额贷款服务提供商之间的这种合作预计将带来新的小额贷款市场趋势。

 

小额贷款市场区域分析

 

小额贷款市场报告的范围主要分为五个地区——北美、欧洲、亚太、中东和非洲以及南美。亚太地区正在经历快速增长,预计将占据相当大的小额贷款市场份额。市场的区域增长可以归因于该地区初创企业数量的增加。例如,印度已成为全球第三大创业生态系统,年增长率稳定在 12% 至 15%。2022 年 3 月,印度初创企业总数约为 65,861 家。初创企业数量的增长创造了对小额贷款的需求,从而推动了区域增长。此外,日本和澳大利亚等国家实施的政府举措和政策,为中小企业和企业家提供获得小额贷款的便利,也推动了区域增长。这些举措旨在通过为小企业提供融资选择,支持小企业的成长和发展。

 

 

小额贷款市场区域洞察

Insight Partners 的分析师已详细解释了预测期内影响小额贷款市场的区域趋势和因素。本节还讨论了北美、欧洲、亚太地区、中东和非洲以及南美和中美洲的小额贷款市场细分和地理位置。

Micro Lending Market
  • 获取小额贷款市场的区域特定数据

小额贷款市场报告范围

报告属性细节
2023 年的市场规模282亿美元
2031 年市场规模724亿美元
全球复合年增长率(2023 - 2031)12.5%
史料2021-2023
预测期2023-2031
涵盖的领域按最终用户
  • 个人创业者
  • 中小企业
覆盖地区和国家北美
  • 我们
  • 加拿大
  • 墨西哥
欧洲
  • 英国
  • 德国
  • 法国
  • 俄罗斯
  • 意大利
  • 欧洲其他地区
亚太
  • 中国
  • 印度
  • 日本
  • 澳大利亚
  • 亚太其他地区
南美洲和中美洲
  • 巴西
  • 阿根廷
  • 南美洲和中美洲其他地区
中东和非洲
  • 南非
  • 沙特阿拉伯
  • 阿联酋
  • 中东和非洲其他地区
市场领导者和主要公司简介
  • 融资圈
  • 美国运通
  • 甲板上
  • Accion 小额信贷银行有限公司
  • Biz2Credit 公司
  • 基金箱
  • LendingClub 银行
  • 伦迪奥
  • Zopa银行有限公司

 

小额贷款市场参与者密度:了解其对业务动态的影响

微型贷款市场正在快速增长,其驱动力是终端用户需求的增加,而这些需求的增加又源于消费者偏好的不断变化、技术进步以及对产品优势的认识不断提高等因素。随着需求的增加,企业正在扩大其产品范围,进行创新以满足消费者的需求,并利用新兴趋势,从而进一步推动市场增长。

市场参与者密度是指在特定市场或行业内运营的企业或公司的分布情况。它表明在给定市场空间中,相对于其规模或总市场价值,有多少竞争对手(市场参与者)存在。

在小额贷款市场运营的主要公司有:

  1. 融资圈
  2. 美国运通
  3. 甲板上
  4. Accion 小额信贷银行有限公司
  5. Biz2Credit 公司

免责声明上面列出的公司没有按照任何特定顺序排列。


Micro Lending Market

 

  • 了解小额贷款市场顶级关键参与者概况

 

“小额贷款市场分析”是根据服务提供商、最终用户和地理位置进行的。就服务提供商而言,市场分为银行和小额信贷机构 (MFI)。根据最终用户,市场分为个体企业家和个人、微型、小型和中型企业。根据地理位置,市场分为北美、欧洲、亚太地区、中东和非洲以及南美。 

 

小额贷款市场新闻及最新发展

 

在小额贷款市场,各公司采取并购等无机和有机战略。以下列出了一些近期的关键市场发展:

  • 2024 年 1 月,领先的金融技术解决方案提供商 Biz2X LLC 宣布推出新的合作伙伴门户,以加强与 Owners Bank 的合作。Owners Bank 是 Liberty Bank 的一个部门,总部位于康涅狄格州米德尔顿,专门提供量身定制的金融解决方案,以满足企业主的独特需求。Biz2X 和 Owners Bank 之间的合作关系最初于 7 月建立,当时推出了一个贷款平台,以加快有担保和无担保贷款的贷款决策。新推出的合作伙伴门户旨在支持 Owners Bank 的扩张计划,并增强其附属合作伙伴网络的资本获取渠道。通过扩大合作伙伴关系,Biz2X 和 Owners Bank 旨在为微型和小型企业提供更便捷的资本获取渠道,促进它们在市场上的增长和成功。

(来源:Biz2X LLC,公司网站)

  • 2021 年 11 月,领先的金融科技公司 Fundbox 宣布已成功筹集 1 亿美元 D 轮融资,该公司专门为小型企业提供贷款和金融产品。最新一轮融资使该公司的估值达到 11 亿美元,巩固了其作为行业领先企业的地位。D 轮融资由安大略省医疗保健养老金计划 (HOOPP) 领投,现有投资者 Allianz X、Khosla Ventures 和 The Private Shares Fund 也参与其中。新投资者也参与了此轮融资,包括 Arbor Waypoint Select Fund 和 Newton Investment Management North America 管理的一系列纽约梅隆银行基金。

(来源:Fundbox,公司网站)

 

小额贷款市场报告范围及交付成果

 

市场报告《小额贷款市场规模和预测(2021-2031)》对市场进行了详细分析,涵盖以下领域:

  • 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 未来的主要趋势。
  • 详细的 PEST 和 SWOT 分析
  • 全球和区域市场分析涵盖主要市场趋势、主要参与者、法规和最新的市场发展。
  • 行业格局和竞争分析包括市场集中度、热图分析、关键参与者和最新发展。
  • 详细的公司简介。
  • Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
  • PEST and SWOT Analysis
  • Market Size Value / Volume - Global, Regional, Country
  • Industry and Competitive Landscape
  • Excel Dataset
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


Which are the key players holding the major market share of the micro lending market?

The key players holding majority shares in the global micro lending market are Funding Circle, American Express, OnDeck, Accion Microfinance Bank Limited, and Biz2Credit Inc.

What are the driving factors impacting the global micro lending market?

The growing shift from traditional lending to micro lending is the major factors that propel the global micro lending market.

What will be the market size of the global micro lending market by 2030?

The global micro lending market is expected to reach US$ 72.4 billion by 2030.

What is the estimated market size for the global micro lending market in 2022?

The micro lending market size is expected to grow from US$ 28.24 billion in 2023 to US$ 72.45 billion by 2031; it is anticipated to expand at a CAGR of 12.5% from 2023 to 2031.

What are the future trends of the global micro lending market?

Digitization of micro loans is impacting the micro lending market, which is anticipated to play a significant role in the global micro lending market in the coming years.

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  • Funding Circle
  • American Express
  • OnDeck
  • Accion Microfinance Bank Limited
  • Biz2Credit Inc
  • Fundbox
  • LendingClub Bank
  • Lendio
  • Zopa Bank Limited
  • LiftFund

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The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. 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.

  1. 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:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

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:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

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.

  1. 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.

  • Macro-Economic Factor Analysis:

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.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • 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.

  1. 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.