市场调查报告书
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1325922
另类融资市场规模 - 按类型(点对点借贷、众筹、发票交易)、最终用途(个人、企业)和全球预测,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 |
在金融科技公司和在线平台崛起的推动下,全球另类融资市场将在 2023 年至 2032 年保持稳定增长,从而更容易获得融资选择,使借款人更加方便。
传统银行业监管的收紧促使企业和个人探索其他资金来源。例如,针对安然丑闻而通过的《萨班斯-奥克斯利法案》要求上市公司对财务报告保持强有力的内部控制。该法案还要求公司建立独立的审计委员会,并披露其内部控制中的任何重大缺陷。
对快速、灵活的融资解决方案的需求,特别是中小企业(SME)的需求,进一步推动了另类融资的增长。此外,人们对众筹、点对点借贷和其他非传统融资方式的认识和接受度不断提高,也促进了市场收益。
整个另类融资市场根据类型、最终用途和地区进行分类。
根据类型,到 2032 年,发票贸易领域将获得相当大的估值。发票贸易融资允许企业通过以折扣价向投资者或贷方出售未偿发票来释放营运资金。发票交易提供即时流动性,使公司能够有效管理现金流并为增长提供资金,而无需传统藉贷。此外,它最大限度地减少了逾期付款或坏账的风险,使其成为寻求改善财务稳定性和利用应收账款的企业的一个有吸引力的选择,从而获得了值得称讚的吸引力。
就最终用途而言,个人细分市场的另类融资行业规模将在 2023 年至 2032 年呈现健康增长。个人正在转向满足个人需求的另类融资选择,例如资助教育、医疗费用、家居装修或债务合併。点对点借贷平台和众筹机会为个人提供了更多获得资金的机会和灵活的借贷条件。此外,在线申请的便捷性和审批流程的快捷性使得替代融资对于那些在传统银行渠道之外寻求快速金融解决方案的人来说具有吸引力。人们对个性化和便捷的融资选择的日益偏好正在推动个人使用的激增。
从地区来看,欧洲另类融资市场份额将在 2023 年至 2032 年期间获得丰厚的收益,因为该地区商业环境多样化且充满活力,中小企业寻求灵活的融资选择。金融科技公司和数字平台的崛起在扩大替代融资解决方案的获取方面也发挥了至关重要的作用。此外,人们对众筹、点对点借贷和其他非传统融资方式的认识和接受度不断提高,进一步推动了市场的扩张。欧洲不断发展的金融生态系统和对创新融资选择的需求继续推动替代融资在该地区的流行。
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.