Alternative Financing transaction value in countries worldwide 2018

The past few decades have observed the growing impact of alternative financing on the global economy. It has also increased the productive capacity of the global economy. In terms of alternative finance market volume per capita, the UK witnessed the highest penetration in Europe. The growing interest in the real estate market in the country propelled the demand for alternative financing in the country. In Asia, local fin-tech startup firms have been aggressively scaling up their operation to meet the growing demand for non-traditional capital. Major technology firms such as Grab and Go-Jek initiated lending services in the region. Alternative finance permitted Chinese firms to partially circumvent credit barriers, thus enabling a better resource distribution and a higher production level. In other emerging economies such as Brazil and Mexico, they served a similar lending purpose as well as fulfilled payments and remittances requests. In Brazil, the severe banking crisis hampered the region’s growth for more than a decade. Companies such as Geru, Creditas, and GuiaBolso have gained the support of the Brazilian government as they reduced the borrowing costs of the consumers and democratized the lending process.

在过去的几十年中，替代性融资对全球经济的影响日益显著，同时也提升了全球经济的生产能力。就人均替代性金融市场规模而言，英国在欧洲地区展现了最高的渗透率。该国对房地产市场的日益关注推动了国内对替代性融资的需求。在亚洲，当地的金融科技初创企业正积极扩大运营规模以满足对非传统资本的日益增长的需求。Grab和Go-Jek等主要科技公司在该地区推出了贷款服务。替代性融资使中国公司得以在一定程度上规避信贷壁垒，从而促进了资源的有效分配和提升生产水平。在其他新兴经济体，如巴西和墨西哥，它们同样扮演了类似的贷款角色，并满足了支付和汇款需求。在巴西，严重的银行危机阻碍了该地区超过十年的增长。Geru、Creditas和GuiaBolso等公司得到了巴西政府的支持，它们降低了消费者的借贷成本，并实现了贷款过程的民主化。