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

2017英国替代金融市场规模大幅上涨35%

全新的互联网金融模式国际资讯

2017英国替代金融市场规模大幅上涨35%

近日,英国剑桥大学替代金融研究中心发布了最新一期的英国替代金融研究报告。

报告显示,2017年英国在线替代金融市场规模大幅增长35%,市场总量达到62亿英镑,而2016年这个数字还只有46亿英镑。

其中,P2P贷款业务已经成为英国小型企业融资的重要贡献力量,2017年累计贷款量达到20亿英镑。而在贷款的资金来源方面,整个P2P行业贷款中有40%都来自机构借贷机构,这其中包括互惠基金、养老基金、资管公司、银行、家族办公室和其他金融机构。

此外,P2P商业贷款的总量相当于2017年银行向小企业提供的新贷款总量的29.2%,而2016年这一比例仅为15.3%,几乎翻了一倍。

而其他P2P贷款分支领域的成绩也值得关注,其中P2P消费贷款总量为14亿英镑,P2P房地产贷款为12亿英镑。

在其他替代金融领域,票据交易以7.87亿英镑的成绩紧随P2P贷款行业;股权众筹相比去年增长22%,达到3.33亿英镑;而债务证券总量仍为7900万英镑,与去年持恒;房地产众筹增加了200%以上,达到2.11亿英镑。

 

The UK online alternative finance market volume grew by 35 percent in 2017, to £6.2bn (from £4.6 bn in 2016), as peer-to-peer business lending became an increasingly important part of overall financing of smaller British businesses, according to research by Cambridge University.

Across 2017 the market for alternative finance saw growing institutionalisation of funding across models. On the lending side, 40 per cent (up from 28 per cent in 2016) of funding for P2P business lending was provided by institutional lenders including mutual funds, pension funds, asset managers, banks, family offices and other financial institutions.

In the 5th iteration of the UK Alternative Finance Industry Report by the Cambridge Centre for Alternative Finance, P2P lending to SMEs retained the top spot as the largest area of online alternative finance, with £2bn in transaction volumes in 2017, a 65 per cent year-on-year growth.

This suggests, the report’s authors state, P2P business lending was estimated to be equivalent of 29.2 per cent of all new bank loans to small businesses in 2017 – nearly double the 15.3 per cent figure in 2016.

“P2P Business Lending is becoming an increasingly important contributor to overall SME financing in the UK,” the report says.

Consumer lending via the P2P model stood at £1.4bn in 2017, followed by P2P property lending at £1.2bn and invoice trading at £787m.

The report also found that equity crowdfunding grew by 22 per cent year-on-year to reach £333m, but debt-based securities stayed constant at £79m.

Real estate crowdfunding increased by more than 200 per cent to £211m.

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