最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯

美机构调查显示 大银行比互金公司更受中小企业欢迎

纽约联邦储备银行公布的小企业信贷调查显示,在线贷款人其实不如大银行那么受中小企业(SME)欢迎。

《金融时报》报道的这项调查要求美国中小企业的成功贷款申请人对各种贷款人的满意程度进行评价。 小型银行最受欢迎满意率高达80%,其次是信用合作社(78%),CDF(77%)和大型银行(61%)。在线贷方以46%的满意率居于末尾。

同样,19%的受访者对在线贷款人不满,而对大小银行不满的受访者分别只有15%和5%。

乍一看,这一结果有违如下这种看法:客户对现有金融服务提供商,特别是大型银行的不满情绪,是互联网金融公司成功的一个重要因素。同时,该结果也令人们对互联网金融公司擅长客户服务的理念产生了疑问。

然而,调查的其他方面对新的在线贷方进行了更好的解读,这些调查将这些贷方定义为"非银行替代或市场贷款人,包括LendingClub,OnDeck,CAN资本和PayPal周转资金"。

当被问及对不同贷方感到不满的原因时,33%的受访者提到了网上贷款人在线贷方的高利率,而提到大小银行的受访者分别只有6%和3%。

同时,在线贷方在对申请流程难度的不满(26%,大银行的44%)和等待信贷决定的时间(7%至44%)等方面得分好转。这样的结果将会被互联网金融公司用于证明他们的技术在创造更好的用户体验方面具有优越性。

调查结果还显示,信贷申请人和在线贷方的批准率分别比大多数银行高了62%至54%。 这个结果支持这样一个想法,虽然小型企业最有可能首先向传统贷款人申请贷款,但向在线贷款人申请往往成功率更高。 此外,许多在线贷方比传统贷方更倾向于高风险企业。

然而,在线贷方在资本和客户获取方面的高成本仍然是个问题,这一问题是互联网金融公司高利率以及与传统贷方合作的主要原因,尤其是在企业银行业中,许多银行已经与在线贷方联手。

例如,西班牙银行桑坦德与Funding Circle合作已经超过两年。

A survey of small business credit published by the Federal Reserve Bank of New York has revealed that online lenders are less popular with small and medium enterprises (SMEs) than big banks.

The survey, which was reported in the Financial Times, asked successful loan applicants among US SME's to rank their satisfaction with various lenders. Small banks proved most popular at 80% satisfaction rate, followed by credit unions (78%), CDFs (77%) and big banks (61%). Trailing last with a satisfaction rate of just 46% were online lenders.

Similarly, 19% of respondents were dissatisfied with online lenders, compared to 15% of big banks and 5% of small banks.

On first glance the results contravene the perception that customer dissatisfaction with incumbent financial services providers, and big banks especially, has been a big factor in the success of fintechs.They also cast doubt on the idea that fintechs excel at customer service.

However other aspects of the survey make better reading for new online lenders, defined by the survey as "non-bank alternative and marketplace lenders, including Lending Club, OnDeck, CAN Capital and PayPal Working Capital".

When asked for reasons for their dissatisfaction with respective groups of lenders, 33% respondents cited high interest rates in respect of online lenders, in comparison to just 6% for big banks and 3% for small banks.

Meanwhile, online lenders scored much better in terms of dissatisfaction with the difficulty of the application process (26% compared to 44% for large banks) and the wait for credit decisions (7% to 44%). Such a result will be succour for fintechs who will cite it as evidence that their technology is superior in terms of creating a better user experience.

The survey also shows respective approval rates for credit applicants and online lenders outscore big banks by 62% to 54%. This result supports the idea that although small businesses are most likely to first apply to traditional lenders, many will have more success with online lenders. In addition many of these online lenders are targeting riskier businesses than the incumbents.

However, the high cost of capital and customer acquisition is still clearly an issue for online lenders and the main reason for both high interest rates and a growing trend for fintechs to seek collaborations with traditional incumbents, not least in the corporate banking sector where a number of banks have already teamed up with online lenders.

For example, Spanish bank Santander has been working with Funding Circle for more than two years.


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cynthia-lian | 未央团队未央编辑团队

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