网络借贷推动美国小企业发展 3年创造35.8万个就业机会 - 互联网金融门户 未央网

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

网络借贷推动美国小企业发展 3年创造35.8万个就业机会

全新的互联网金融模式国际资讯

网络借贷推动美国小企业发展 3年创造35.8万个就业机会

筹措资金是小企业主最头疼的事情之一,网络 "金融科技"贷款平台解决了他们的燃眉之急。NDP Analytics的一份新报告显示,自2015年到2017年,网络金融科技平台融资规模达到了近100亿美元。

网络借贷推动小企业发展 创造就业机会

包括OnDeck、Kabbage和Lendio在内的五家在线小企业贷款服务商提供的贷款额从2015年的26亿美元增加到2017年的39亿美元,增幅达50%。网络贷款获批为全美创造了377亿美元的社区总产值、126亿美元的工资和35.8911万个就业机会。

电子交易协会(ETA)、创新贷款平台协会(ILPA)和小企业金融协会SBFA)共同资助了题为《网络贷款对小企业和美国经济的经济效益》的NDP研究项目。

报告结果显示,小企业越来越需要寻找其他途径筹措资金,以填补关键融资缺口。

NDP报告作者和管理合伙人Nam Pham解释说,为小企业主提供资金有很多好处,意义深远......随着这些企业的成功,将带动周围社区发展。小企业越来越多地向网络借贷机构寻求贷款帮助,以减轻发展过程中的库存、员工工资和关键时刻其他支出压力。贷款不仅会影响借款人,还会影响雇员和有借款人有业务合作的人。"这项研究的对象是全美国2015年-2017年的17.9505万名小企业借款人,该群体累计借款额达到100亿美元。根据资金情况,研究分析数据,并计算贷款对这些公司及其所服务社区的直接业务影响。

主要调查结果

小企业主的生存发展依赖于能否筹措资金,这是这项研究的主要调查结果之一,75%的企业主需要资金来启动、经营和/或扩展业务。

NDP表示,24%的借款人年销售额低于10万美元,可以称之为微型企业。另有三分之二的借款人年销售额不足50万美元。借款金额方面,42%的小企业借款金额在1万-5万美元,平均值为5.5498万美元。

小企业对当地社区的影响

研究还显示,一家小企业每借贷1美元,销售额将增加2.31美元,同时也创造了3.79美元的全美社区总产值。

放款人通过为小企业提供更多的资源,特别是在融资领域提供资金,可以保证其长期发展。ETA首席执行官Jason Oxman说:"在竞争激烈的贷款市场中,网络小企业贷款提供商是美国小企业主的重要选择,为小企业发展带来诸多好处。"

One of the biggest challenges small business owners face is finding capital. For many of these owners, online “FinTech” lending platforms have come to the rescue. And according to a new report by NDP Analytics, the platforms have funded close to $10 billion from 2015 to 2017.

Online Lending Helps Small Businesses Create Jobs

The five leading online small business lenders including, OnDeck, Kabbage and Lendio, increased from $2.6 billion in 2015 to $3.9 billion in 2017, a 50 percent jump. The approval of the online loans generated $37.7 billion in gross output, $12.6 billion in wages, and 358,911 jobs in communities across the United States.

Titled, “The Economic Benefits of Online Lending to Small Businesses and the U.S. Economy (PDF),” the NDP study was sponsored by the Electronic Transactions Association (ETA), the Innovative Lending Platform Association (ILPA) and the Small Business Finance Association (SBFA).

The results of the report highlight a growing need for finding alternative funding for small businesses to fill critical financing gaps when these business owners need the capital. Report author and Managing Partner at NDP, Nam Pham, explained there is a far-reaching benefit to making the funds available to small business owners.

In a press release, Pham said, “As these businesses succeed, so do the communities around them. Small businesses are increasingly turning to online lenders to help cover inventory, payroll for employees, and other expenses at critical junctures in their growth. The loan impacts not just the borrower, but those who work and engage with that business.”

The study comes from the 179,505 small business borrowers across the United States who received around $10 billion in loans from 2015 to 2017. Based on this funding, the data was analyzed to calculate the direct business impact to these companies and the communities they serve.

Key Findings

One of the key findings from the study is how heavily small business owners rely on access to capital. This includes three-quarters of the entrepreneurs who need funding to start, operate and or expand their business.

The NDP said 24% of the borrowers generate less than 100,000 in annual sales, which qualifies them as microbusinesses. Another two-thirds had less than $500,000 in annual sales.

When it comes to the amount of money they borrow, 42% of small businesses received between $10,000 and $50,000 with an average of $55,498.

Impact of Small Businesses on Local Communities

The research also revealed when a small business receives one dollar in loans, the sales of the borrower increases by $2.31. This, in turn, creates $3.79 in gross output in local communities across the country.

By making more resources available to small businesses — especially in the area of funding — lenders ensure their long-term viability. Jason Oxman, CEO of ETA, said, “Online small business lenders provide key options and benefits to American small business owners in the highly competitive lending marketplace.”


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

栀航 | 未央团队未央编辑团队

33
总文章数

TA还没写个人介绍。。。

美国首个金融科技监管沙盒正式落地

高旭 08-07

美国财政部:有必要开发监管沙盒,为区块链撑起保护伞

Cole Peter... 08-03

SaaS薪资管理平台Gusto获1.4亿美元C轮融资,提高小企业薪资支付灵活性

Jonathan S... 08-02

金融科技创企让美国人又一次“债台高筑”?

PP 07-30

抗衡亚马逊,eBay推出在线商家借贷服务

高旭 07-26

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1