小額信用貸付動向：市場前景以及將來的小額融資市場 是由出版商Mercator Advisory Group, Inc.在2011年03月所出版的。
這份英文市場調查報告書包含35 pages 價格從美金2950起跳。
現在小額融資市場以信用卡、發薪日貸款、銀行小額融資、網路P2P融資4個領域為中心。金融危機以來，美國的汎用信用以外卡片的保有率為26％上升到40％，但其中也失去了發薪日貸款的強化與銀行合作。今後將思考讓消費者慢慢由傳統方法轉移到新服務。
本報告書為美國小額融資市場之相關市場動向、市場規模、各領域的動向、主要企業的簡介等，概述如下。
導論
持續縮小的信用卡市場
發薪日貸款承受的壓力
銀行小額融資
P2P融資現在是正式選項
- Kiva
- Prosper
- Lending Club
結論
圖表
Abstract
New Mercator Advisory Group Report Shows Where Opportunities and Challenges
May Lie in the Small-Dollar Credit Market
Boston, MA -- Nearly everyone has had a moment when they needed more
money than was in their wallets or their bank accounts. Whether it was for a
major purchase, a car repair, or some other life event, consumers have found
themselves in need of a short-term loan.
In Mercator Advisory Group' s newest report Trends in Small-Dollar Credit: A
Look at the Market and Future of Small Loans, sources for these
small-dollar loans and what the future landscape may look like are
investigated. Credit cards, payday loans, small-dollar bank loans and
person-to-person lending are the four major sources of credit covered in-depth.
Today, credit cards and payday loans seem to be on the decline. Since the
beginning of the financial crisis, the portion of U.S. households with no
general purpose credit cards has grown from 26% in 2009 to 40% in 2010.
Meanwhile, Payday lending has faced increasing regulatory pressure and a loss
of bank partners over the past decade.
The future of small-dollar bank loans depends on whether or not bankers find a
way to integrate them with the rest of a bank' s products. Person-to-person
lending may represent a new credit option for both borrowers and lenders that
open up new forms of business.
"Consumers have shifted away from traditional sources of small-dollar credit
as new options have become available," says Ben Jackson, senior analyst
with Mercator Advisory Group' s Prepaid Advisory Service. "The future of
the small-dollar loan market will be largely determined by how lenders
position their products as the best deals in front of two audiences -- the
borrowers and the regulators."
Highlights of this report include:
- Consumers have long needed sources of short-term credit, but the sources
of that credit have varied over time
- Credit cards, payday loans, small-dollar bank loans, and person-to-person
loans appear to be the most active small-loan markets today.
- Credit card use and the number of accounts are declining, and it is
unclear whether these declines are permanent.
- Payday loans have filled the gap for some consumer segments, but
regulatory pressure may mean that this option disappears for many consumers.
- Small-dollar bank loans may make a comeback, but it will depend on whether
or not banks can find a way to offer them profitably.
- Person-to-person lending companies have spring up, and the future of small
dollar credit may be found in these Internet-driven products that give
consumers another way to shop for the best deals.
This report contains 35 pages and 25 exhibits.
Companies mentioned in this report: Web Bank, Visa, Prosper,
MasterCard, Lending Club, Kiva, Federal Deposit Insurance Corp., and Community
Financial Services Association.
Table of Contents
Introduction
Credit Cards Have Shrunk, Maybe Permanently
Payday Lending Is Under Pressure
- Best Practices for the Payday Advance Industry: CFSA members must abide by
the following Best Practices:
Banks Are Making Small Dollar Loans
Person-to-Person Lending is a Formal Option Now
- Kiva
- Prosper
- Lending Club
Conclusion
TABLE OF FIGURES
- Figure 1: Sources of Small-Dollar Loans
- Figure 2: Credit Card Ownership Is Down
- Figure 3: Credit Card Use Is Down
- Figure 4: Causes for Declines in Credit Cards
- Figure 5: How a Payday Loan Works
- Figure 6: A Brief Overview of Payday Lending
- Figure 7: Regulatory Considerations on Payday Loans
- Figure 8: Divergent Futures for Payday Lending
- Figure 9: The FDIC Small-Dollar Loan Pilot
- Figure 10: The FDIC Small-Dollar Loan Statistics
- Figure 11: The FDIC Small-Dollar Loan Template
- Figure 12: Lesson Learned from the FDIC Small-Dollar Loan Pilot
- Figure 13: Future Small-Dollar Loan Programs
- Figure 14: Rules Small-Dollar Loans in Dodd-Frank
- Figure 15: Person-to-Person Lending is an Option
- Figure 16: How Kiva Works
- Figure 17: Kiva Lending Statistics
- Figure 18: How Prosper Works
- Figure 19: Fees Charged by Prosper
- Figure 20: Uses of Prosper Loans
- Figure 21: Prosper Loans as of Dec 26, 2010
- Figure 22: How Lending Club Works
- Figure 24: How Lending Club Borrowers Use Their Loans
- Figure 24: How Lending Club Borrowers Use Their Loans
- Figure 25: Lending Club Loan Statistics
