France Alternative Lending Business Report 2024: Market to Reach $8.72 Billion by 2028 - Industry Dynamics, Product Launches and Innovations, Regulatory Changes - ResearchAndMarkets.com

The "France Alternative Lending Market Business and Investment Opportunities Databook - 75+ KPIs on Alternative Lending Market Size, By End User, By Finance Model, By Payment Instrument, By Loan Type and Demographics - Q2 2024 Update" report has been added to ResearchAndMarkets.com's offering.

The alternative lending in this region is expected to grow by 12.6% on an annual basis to reach US$6.34 billion in 2024. Medium to long term growth story of alternative lending in France remains strong. Alternative lending adoption is expected to grow steadily over the forecast period, recording a CAGR of 8.3% during 2024-2028. The alternative lending market in the country will increase from US$5.64 billion in 2023 to reach US$8.72 billion by 2028.

This report provides a detailed data-centric analysis of the Alternative Lending industry, covering market opportunities and risks across a range of industry categories. With over 50 KPIs at the country level, this report provides a comprehensive understanding of Alternative Lending market dynamics, market size and forecast, and market share statistics.

The alternative lending sector in France has shown resilience and growth, driven by increased demand for flexible financing solutions and innovations like peer-to-peer lending. With continued regulatory support and strategic partnerships, the sector is poised for further expansion, especially in consumer credit and SME lending, as it adapts to changing economic conditions.

Growth in the Alternative Lending Sector

Alternative lending in France has experienced varied trends, with a notable increase in demand for flexible financing solutions as traditional banks tighten their lending criteria. The sector is expected to grow in the next few months, particularly in sub-segments such as consumer credit and peer-to-peer lending, as borrowers seek alternative sources to meet their financial needs amidst economic uncertainties. This shift highlights the resilience and adaptability of alternative lenders in responding to changing market dynamics.

Key Developments in the Alternative Lending Sector

Product Launches and Innovations

• October's New SME Lending Platform: This platform provides tailored financing solutions for small and medium-sized enterprises (SMEs), enhancing access to credit for businesses that may struggle with traditional banking options.
• Innovative Peer-to-Peer Lending Solutions: Several platforms have introduced new peer-to-peer lending options that allow individual investors to fund loans directly to borrowers. These options aim to streamline the lending process and offer competitive interest rates.

Regulatory Changes

Key regulatory and government policy developments in the alternative lending sector in France include:

• New Banking and Financial Regulation Law: This legislation has established the Autorite des Marches Financiers (AMF) as the regulatory body responsible for overseeing credit-rating agencies, enhancing market stability and investor protection. It also introduces a liability regime for these agencies, allowing clients and third parties to seek compensation for losses due to non-compliance.
• Prudential Control Authority Enhancements: The Prudential Control Authority (Autorite de Controle Prudentiel) continues to play a crucial role in ensuring consumer protection and financial stability. Recent measures focus on monitoring compliance with banking regulations and promoting transparency in the alternative lending market.

Key Attributes:

Scope

France Economic Indicators

• Gross Domestic Product at Current Prices
• Population
• Unbanked Population
• Unemployment Rate
• Loan Default Rate

France Alternative Lending Market Size and Forecast

• Transaction Value
• Average Transaction Value
• Transaction Volume

France Alternative Lending Market Size and Forecast by End User

• End User - Business
• End User - Consumer

France Alternative Lending Market Size and Forecast by Finance Models

• P2P Marketplace Consumer Lending
• P2P Marketplace Business Lending
• P2P Marketplace Property Lending
• Balance Sheet Consumer Lending
• Balance Sheet Business Lending
• Balance Sheet Property Lending
• Invoice Trading
• Debt Based Securities
• Equity Based Crowd Funding
• Real Estate Crowd funding

France Alternative Lending Market Size and Forecast by Payment Instrument - Transaction Value, Volume and Average Value

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

France Alternative Lending Market Size and Forecast by Payment Instrument to Model

Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Consumer Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Business Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to P2P Marketplace Property Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Consumer Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Business Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Balance Sheet Property Lending

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Invoice Trading

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Debt Based Securities

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Equity Based Crowd Funding

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

Alternative Lending Market Size and Forecast by Payment Instrument to Real Estate Crowd funding

• Cash
• Cheques
• Credit Transfer
• Direct Debits
• Debit Card
• Credit Card
• E- Money

France Alternative Lending Market Size and Forecast by Loan Types

• B2C Loans
• Personal Loan
• Payroll Advance
• Home Improvement
• Education/Student Loans
• Point of Sale
• Auto Loans
• Medical Loans
• B2B Loans
• Lines of Credit
• Merchant Cash Advance
• Invoice Factoring
• Revenue Financing

France Alternative Lending Analysis by Consumer Attitude and Behaviour

• By Age
• By Income
• Gender

For more information about this report visit https://www.researchandmarkets.com/r/z151zh

About ResearchAndMarkets.com

ResearchAndMarkets.com is the world's leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.

View source version on businesswire.com: https://www.businesswire.com/news/home/20241106534047/en/