市場調查報告書
商品編碼
1325922
替代性融資市場規模 - 按類型(點對點借貸、眾籌、發票交易)、最終用途(個人、企業)和全球預測,2023 年 - 2032 年Alternative Financing Market Size - By Type (Peer-to-Peer Lending, Crowdfunding, Invoice Trade), By End Use (Individual, Businesses) & Global Forecast, 2023 - 2032 |
在金融科技公司和線上平台崛起的推動下,全球替代性融資市場將在 2023 年至 2032 年保持穩定成長,從而更容易獲得融資選擇,使借款人更加方便。
傳統銀行業監管的收緊促使企業和個人探索其他資金來源。例如,針對安然醜聞而通過的《薩班斯-奧克斯利法案》要求上市公司對財務報告保持強力的內部控制。該法案還要求公司建立獨立的審計委員會,並披露其內部控制中的任何重大缺陷。
對快速、靈活的融資解決方案的需求,特別是中小企業(SME)的需求,進一步推動了替代性融資的成長。此外,人們對眾籌、點對點借貸和其他非傳統融資方式的認知和接受度不斷提高,也促進了市場收益。
整個替代性融資市場根據類型、最終用途和地區進行分類。
根據類型,到 2032 年,發票貿易領域將獲得相當大的估值。發票貿易融資允許企業通過以折扣價向投資者或貸方出售未償發票來釋放營運資金。發票交易提供即時流動性,使公司能夠有效管理現金流並為成長提供資金,而無需傳統藉貸。此外,它最大限度地減少了逾期付款或壞賬的風險,使其成為尋求改善財務穩定性和利用應收帳款的企業的一個有吸引力的選擇,從而獲得了值得稱讚的吸引力。
就最終用途而言,個人細分市場的替代性融資行業規模將在 2023 年至 2032 年呈現健康成長。個人正在轉向滿足個人需求的替代性融資選擇,例如資助教育、醫療費用、家居裝修或債務合併。點對點借貸平台和眾籌機會為個人提供了更多獲得資金的機會和靈活的借貸條件。此外,線上申請的便捷性和審批流程的快捷性使得替代融資對於那些在傳統銀行管道之外尋求快速金融解決方案的人來說具有吸引力。人們對個性化和便捷的融資選擇的日益偏好正在推動個人使用的激增。
從地區來看,歐洲替代性融資市場佔有率將在 2023 年至 2032 年期間獲得豐厚的收益,因為該地區商業環境多樣化且充滿活力,中小企業尋求靈活的融資選擇。金融科技公司和數位平台的崛起在擴大替代融資解決方案的獲取方面也發揮了至關重要的作用。此外,人們對眾籌、點對點借貸和其他非傳統融資方式的認知和接受度不斷提高,進一步推動了市場的擴張。歐洲不斷發展的金融生態系統和對創新融資選擇的需求繼續推動替代融資在該地區的流行。
Global Alternative Financing Market will have a stable growth rate from 2023-2032, driven by the rise of fintech companies and online platforms facilitating easier access to financing options, making it more convenient for borrowers.
Tightening regulations in traditional banking have led businesses and individuals to explore alternative sources of funding. For instance, the Sarbanes-Oxley Act passed in response to the Enron scandal requires public companies to maintain strong internal controls over financial reporting. The act also requires companies to establish independent audit committees and disclose any material weaknesses in their internal controls.
The demand for quick and flexible financing solutions, particularly among small and medium-sized enterprises (SMEs), has further fueled the growth of alternative financing. Moreover, the increasing awareness and acceptance of crowdfunding, peer-to-peer lending, and other non-traditional financing methods have contributed to market gains.
The overall Alternative Financing Market is classified based on type, end-use, and region.
Based on type, the invoice trade segment will garner a sizeable valuation by 2032. Invoice trade financing allows businesses to unlock working capital by selling outstanding invoices to investors or lenders at a discounted rate. Invoice trade provides immediate liquidity, enabling companies to manage cash flow effectively and fund growth without traditional borrowing. Moreover, it minimizes the risk of late payments or bad debts, making it an attractive option for businesses looking to improve financial stability and capitalize on their accounts receivable, thereby gaining commendable traction.
With respect to end-use, the alternative financing industry size from the individual segment will exhibit a healthy growth rate from 2023 to 2032. Individuals are turning to alternative financing options for personal needs, such as funding education, medical expenses, home improvements, or debt consolidation. Peer-to-peer lending platforms and crowdfunding opportunities offer individuals greater access to capital and flexible borrowing terms. Additionally, the ease of online applications and faster approval processes make alternative financing attractive to those seeking quick financial solutions outside traditional banking channels. The growing preference for personalized and convenient financing options is driving the surge in individual use.
Regionally, Europe alternative financing market share will amass lucrative gains over 2023-2032 due to the region's diverse and dynamic business landscape, where SMEs seek flexible funding options. The rise of fintech companies and digital platforms has also played a crucial role in expanding access to alternative financing solutions. Moreover, the increasing awareness and acceptance of crowdfunding, peer-to-peer lending, and other non-traditional funding methods have further fuelled the market's expansion. Europe's evolving financial ecosystem and the demand for innovative financing options continue to drive the popularity of alternative financing in the region.