最有看点的互联网金融门户

最有看点的互联网金融门户
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剑桥大学、芝加哥大学联合发布美洲创新金融发展报告

剑桥大学贾吉商学院创新金融中心与芝加哥大学共同研究报告显示,在线创新金融市场在美国、加拿大、拉丁美洲持续增长,2016年产业总额达352亿美元,增长率23%。

2016年,得益于美州区域及多数细分市场发展,美国、加拿大、拉美及加勒比地区的创新金融市场持续增长,市场总值达352亿美元,相较于前一年增长23%。

在5月26日芝加哥商品交易所集团举办的活动上,《2017美洲创新金融产业报告:大步前进》获公开展示,本报告由芝加哥大学布斯商学院波斯基企业家精神与创新中心、剑桥大学贾吉商学院创新金融中心联合撰写。芝加哥商品交易所集团、美洲开发银行为本报告提供了金融支持。

报告发现,美洲大部分市场创新金融业发展良好,大步前进,增长势头持续稳定。

芝加哥布斯商学院经济学教授、本报告指导教授Randall S. Kroszner及Norman R. Bobins表示:

“一大批众筹、市场及P2P借贷、其他在线创新金融平台涌现,利用技术创新改变个人、公司及企业接触、投资金融的方式。此外,去年美洲全境超过20万家公司利用在线创新平台进行融资。”

报告认为在线创新金融通道及设备依靠先进技术,美国仍然是这一领域世界顶级市场之一。2016年美国创新金融市场总值达345亿美元,比2015年同比增长22%。

2016年,自然急剧增长让拉美及加勒比地区创新金融市场增长209%,市场总额达3.421亿美元。拉美及加勒比地区通常被视为一个共同的区域市场,依靠墨西哥、智利、巴西的庞大市场,这一区域2016年以微弱优势超过加拿大市场总额。

自然增长加上扩大了调查覆盖率,加拿大创新金融市场增长至3.345亿美元,较2015年同比增长62%。

本次报告主要发现:

  1. 美国市场及P2P消费者借贷仍占市场最大比例,2016年记录交易额为210亿美元,增长率为17%。资产负债表商业借贷为2016年第二大类,交易额为60亿美元;资产负债表消费者借贷第三,交易额为30亿美元。
  2. 拉美及加勒比地区市场及P2P商业借贷仍是创新金融市场中最大的组成部分,2016年交易额为1.885亿美元,比2015年增长239%。
  3. 2016年,加拿大创新金融业占首位的是以捐赠为基础的众筹,交易额达1.059亿美元;资产负债表商业借贷居第二,但相差不大,交易额为1.033亿美元,增长率为282%。
  4. 随着2016年美国监管政策变化,出现了以Reg CF为基础的平台,在收入共享或利益共享众筹领域成效显著,去年融资总额达2850万美元。
  5. 创新金融业风险感知自我报告表明,主要的担忧在于网络安全破坏行为。76%的平台运营商认为现在网络的安全威胁为中度危险到极度危险。

The online alternative finance market continues to grow in the US, Canada and Latin America, rising 23 per cent in 2016 to $35.2 billion, finds report by the Cambridge Centre for Alternative Finance at Cambridge Judge Business School, and the University of Chicago.

The alternative finance market continued to grow across the United States, Canada, and Latin America and the Caribbean (LAC) in 2016 to a total market volume of $35.2 billion – a 23 per cent increase from the previous year driven by growth across all regions and most market segments of the Americas.

The 2017 Americas Alternative Financing Industry Report: Hitting Stride, published on Friday 26 May and presented at an event held at Chicago’s CME Group, was produced jointly by the Polsky Center for Entrepreneurship and Innovation and Booth School of Business at the University of Chicago, and the Cambridge Centre for Alternative Finance at the University of Cambridge Judge Business School. Financial support was received from the CME Group Foundation and the Inter-American Development Bank.

The report finds that the industry has hit a stride, showing continued, steady growth in most segments of the market.

“An array of crowdfunding, marketplace/peer-to-peer (P2P) lending and other online alternative finance platforms have emerged that use technological innovations to change the way people, businesses and institutions access and invest money. Furthermore, more than 200,000 businesses turned to online alternative sources of funding across the Americas last year,” said Randall S. Kroszner, Norman R. Bobins Professor of Economics at the University of Chicago Booth School of Business and Faculty Advisor for the report.

The study found that the United States continues to be one of the world’s top markets for advanced, technology-enabled, online alternative finance channels and instruments. The 2016 US market volume of $34.5 billion marked a 22 per cent year-on-year increase from 2015.

Rapid organic growth led LAC alternative finance markets to grow by 209 per cent to $342.1 million in 2016. LAC, collectively as a regional market, narrowly surpassed Canada’s national market in 2016, led by high volume markets in Mexico, Chile, and Brazil.

Canada’s alternative finance market grew to $334.5 million, a 62 per cent year-on-year increase from 2015, driven by both organic growth and expanded survey coverage.

Among the key findings of the report:

  1. Looking at the US, marketplace/P2P consumer lending continued to account for the largest share of market volume with $21 billion recorded in the US in 2016 (up 17 per cent). Balance sheet business lending became the second largest model in the US in 2016 with six billion dollars originated, surpassing balance sheet consumer lending which had three billion dollars.
  2. For LAC, marketplace/P2P business lending remained the largest alternative finance market segment with $188.5 million registered in 2016, an increase of 239 per cent over 2015.
  3. In Canada, donation-based crowdfunding remained the top alternative finance model with $105.9 million, but balance sheet business lending was a close second, rising at a rate of 282 per cent to $103.3 million in 2016.
  4. Following changes to US regulatory policy in 2016, emerging Reg CF-enabled platforms made a big mark in revenue-sharing/profit-sharing crowdfunding, with $28.5 million in total funding to businesses last year.
  5. Self-reported risk perceptions of the alternative finance industry pointed to concerns about cyber-security breach. 76 percent of platform operators believe there is medium to very high risk of cyber-security breach.

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