最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

剑桥大学发布亚太网络替代金融报告,中国独拔头筹

上周末,剑桥替代金融中心、莫纳什大学澳大利亚金融研究中心、清华大学联合发布了第二份亚太地区替代金融年度报告。

2016年,网络替代金融规模共计2452.8亿美元,较2015年1033.1亿美元有所上升。亚太地区替代金融持续增长,令人称奇。毫无意外,中国是该增长的主要驱动力,占据亚太市场总额的99.2%。2016年中国占全球市场总份额近85%。

中国仅凭市场规模就另其他市场黯然失色,但其他地区市场量也在不断增长。报告显示:

澳大利亚是第二大替代金融市场,2016年市场量达6.096亿美元;日本位列第三,为3.9845亿美元;韩国以3.7631亿美元位列第四;新西兰排第五,2.2325亿美元;新加坡第六,1.6375亿美元;印度排名第七,为1.2416亿美元。

此外报告还指出:

  1. 就替代金融而言,相比美国、英国等其他市场,中国替代金融机构层面参与度将持续呈现"明显低水平",2016年机构发起的P2P借贷仅为5%。中国在线借贷模式受个人小额借贷者驱动。
  2. 亚太地区除中国外,企业通过替代金融渠道募得资金15亿美元,同比上涨72%,约有43000家企业利用替代金融进行融资。
  3. 中国72%的消费者借贷平台认为网络攻击是该行业最大的威胁,而50%以上平台认为目前与拟议的监管准则已足够多。
  4. 在中国以外的其他地区,69%的日本平台认为现有监管条例并不完备或过于宽松;而在新加坡、澳大利亚、新西兰鱼马来西亚,约三分之二的平台认为现有监管足够完备。

结论

替代金融增长量不断令人惊异,中国尤其如此。多年前我们就意识到中国在市场借贷规模上领先世界,但这份报告更为升入的挖掘了中国市场境况。且观察除却中国之外的增长额展示了另类金融领域,尤其是在新加坡与印度等国的潜能。

The Cambridge Centre for Alternative Finance together with the Australian Centre for Financial Studies at Monash University and Tsinghua University today released their second annual alternative finance report.

Alternative finance volume totaled $245.28 billion in 2016, up from $103.31 billion in 2015. It's amazing to see alternative finance continue to grow in the region. Not surprisingly, China is the main driver accounting for 99.2% of the total Asia Pacific market. China represented approximately 85% of the entire global market in 2016.

While China overshadows the other countries due to the sheer size, volume continues to grow outside of China. According to the report:

Australia was the second largest alternative finance market with US$609.6 million in 2016, followed by Japan in third with US$398.45 million and in fourth South Korea with US$376.31 million, New Zealand in fifth with US$223.25 million, Singapore in sixth with US$163.75 million and India in seventh with US$124.16 million.

It's also interesting to see the verticals within alternative finance that have the most traction. Below are two charts showing the split among the entire Asia Pacific region as well as China.

Other findings from the report include:

  1. China continues to see "distinctively low levels" of institutional participation in alternative finance compared to other markets such as the US and UK, with only five per cent of peer-to-peer business lending coming from institutions in 2016. Online lending models in China are led by individual retail lenders.
  2. In the Asia Pacific outside of China, about $1.5 billion was raised by businesses through alternative finance channels, up 72 per cent from the previous year, with an estimated 43,000 business entities utilising alternative channels of business finance.
  3. In China, 72 per cent of peer-to-peer consumer lending platforms see cyber-attacks as the biggest threat to the industry, while more than 50 per cent across all platforms in China see current and proposed regulatory norms to be adequate.
  4. Outside of China, 69 per cent of platforms in Japan see existing regulation as inadequate or too relaxed, while in Singapore, Australia, New Zealand and Malaysia around two thirds of platforms see current regulations as adequate.

Conclusion

The amount of growth, particularly in China continues to impress. We've known for many years that China leads the world in terms of marketplace lending volume but this report digs further into the market there. And seeing the numbers excluding China shows how much more potential there is, particularly in countries like Singapore and India. If you're interested in learning more about the report's findings you can download the pdf from the University of Cambridge website.


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