Peer-to-peer lending has continued to grow rapidly
across Europe as lenders seek higher returns than are available from banks and
borrowers embrace willingness to lend to sectors the banks are wary of – such
as small businesses in the UK – and streamlined loan approval processes.
Platforms have scaled up to meet the opportunity,
refining propositions, improving their credit assessment and other lending
processes and strengthening their management teams.
Continued growth appears beyond doubt, creating
further opportunities for those platforms which are able to execute their plans
while avoiding lending pitfalls to keep their reputations intact.
What does the
report cover?
This report reviews the industry across Europe, with
particular focus on the UK, which accounts for the overwhelming majority of
lending activity.
The report quantifies the scale of lending,
historical growth rates, default rates and returns offered to investors while
reviewing key factors behind these figures. It also includes an in-depth
analysis of the relevant drivers of peer-to-peer lending growth – including
wider trends in banking and lending, other peer-to-peer trends and the
regulatory environment. Our view of the outlook for the industry is based on
this analysis of historical trends and drivers.
The industry is frequently mentioned in the press
with comments having particular focus on the level of returns which it offers
to lenders, which are generally far higher than those from conventional banks,
the degree of risk that lenders are incurring to obtain these returns and, in
particular, the risk that returns may be seriously impaired by future
widespread default.
This report explores the background to these and
other issues, exploring what has happened in the industry to key metrics such
as levels of lending, returns and default rates, and the factors which lie
behind trends.
Leading platforms in the UK and across Europe are
identified and profiled, and their performance and business models are analysed
and compared.
Publisher sets out views on how we believe the market
could develop in future, taking into account such trends as regulation,
institutional funding and securitisation and the impact on and likely responses
of the banks.
Who is it
useful for?
- Peer-to-peer lending platforms
- Investors in those platforms
- Advisors including consulting firms, investment banks, lawyers and accountants
- Banks and other parties operating savings accounts and consumer / small business loans.
- Industry regulators and policymakers
What are the
sources and methodology?
This report is based on:
- In-depth interviews carried out by us with five leading peer-to-peer lending platforms
- Discussions with other parties with interests in the industry
- Extensive research into published industry sources
- In-depth analysis of the macroeconomic environment and relevant peer-to-peer lending market drivers
- Financial analysis of the accounts of and loans data provided by companies in the industry
Information from these sources has been synthesised
and presented clearly and concisely with extensive use of charts and tables to
illuminate points and support conclusions
Spanning over 52 pages, “European Peer-to-Peer Lending: Market Insight 2015” report
covers Introduction, Summary, Peer-to-Peer Lending Overview, Market size and
growth, Market drivers, Leading peer-to-peer platforms, Outlook, Appendix. The
report covered companies are - Assetz Capital, Auxmoney, Barclays, eMoneyUnion,
Folk2Folk, Funding Circle, FundingKnight, Funding Secure, HSBC, IsePankur.
For
further information on this report, please visit-
http://mrr.cm/4Ej
Find all Financial
Services Reports at: http://www.marketresearchreports.com/financial-services
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