Fintech And Sme Finance
DOWNLOAD
Download Fintech And Sme Finance PDF/ePub or read online books in Mobi eBooks. Click Download or Read Online button to get Fintech And Sme Finance book now. This website allows unlimited access to, at the time of writing, more than 1.5 million titles, including hundreds of thousands of titles in various foreign languages. If the content not found or just blank you must refresh this page
Fintech And Sme Finance
DOWNLOAD
Author : International Finance Corporation
language : en
Publisher:
Release Date : 2022
Fintech And Sme Finance written by International Finance Corporation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
This technical note is structured in the following manner. Section two provides an overview of the main barriers and frictions that SMEs face to access finance. Section three explores how digitization is an enabler for SME finance and how different fintech solutions address these barriers. The fintech solutions analyzed include digital credit, asset-based lending, and equity products. Also examined are innovative products such as digital payments, credit risk assessment using alternative data, tokenized assets, and electronic invoicing. Market enablers such as e-commerce and open banking, and the digitization of business processes, which contribute to addressing the barriers and frictions to SME access to finance, are also highlighted. Section four analyzes how the providers of these fintech solutions for SMEs impact traditional banks, financial institutions, and implications on the financial market structure. This section also discusses the effects of the COVID-19 pandemic on the use of digital financial products for SMEs. Section five then addresses some of the key risks and challenges involved in the adoption of digital financial products and key market enablers. Finally, section six presents policy and regulatory recommendations to address the different challenges.
Promoting Sme Finance In The Context Of The Fintech Revolution
DOWNLOAD
Author : Lerong Lu
language : fr
Publisher:
Release Date : 2018
Promoting Sme Finance In The Context Of The Fintech Revolution written by Lerong Lu and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.
English Abstract: Small and medium-sized enterprises (SMEs) play a significant role in most European economies. In the UK, SMEs account for 99.9% of the total business population, 60% of the private sector employment, as well as 50% of the national GDP. However, they merely receive 17% of total business loans from the banking industry, whilst 83% of loans go to large corporations, since banks have become risk-averse after the global financial crisis. Meanwhile, the UK has witnessed a so-called financial technology (fintech) revolution in recent years, with the emergence of an alternative finance market channelling billions of pounds to SMEs annually. Arguably, fintech and alternative finance could possibly solve the long-term SME financing dilemma. Against this backdrop, this paper discusses and analyses the online peer-to-peer (P2P) lending market and digital-based challenger banks in the UK, explaining how alternative finance has been bridging the SME financing gap. Moreover, it also assesses the UK's policies and regulatory framework over the burgeoning alternative finance market.French Abstract: Les petites et moyennes entreprises (PME) jouent un roˆle de ́terminant dans la plupart des e ́conomies europe ́ennes. Au Royaume-Uni, les PME repre ́sentent 99,9 % du nombre total d'entreprises, 60 % des emplois dans le secteur prive ́ et 50 % du PIB. Cependant, elles ne rec ̧oivent que 17 % du total des preˆts accorde ́s aux entreprises par le secteur bancaire alors que 83 % des preˆts sont accorde ́s aux grandes entreprises, les banques ayant une aversion marque ́e pour le risque depuis la crise financie`re mondiale. Pendant ce temps, le Royaume-Uni a connu une soi- disant re ́volution de la technologie financie`re au cours des dernie`res anne ́es avec l'e ́mergence d'un marche ́ des capitaux non traditionnel ou` des milliards de livres sont preˆte ́es chaque anne ́e aux PME. Le financement non traditionnel et la technologie financie`re pourraient sans doute re ́soudre les proble`mes de financement des PME a` long terme. Dans ce contexte, le pre ́sent article aborde et analyse le marche ́ du preˆt en ligne entre particuliers et les nouvelles banques nume ́riques au Royaume-Uni, et explique comment le financement non traditionnel est en train de combler les besoins de financement des PME. Il commente e ́galement les politiques et le cadre re ́glementaire du Royaume-Uni concernant le marche ́ naissant du financement non traditionnel.
Fintech For Asian Smes
DOWNLOAD
Author : Naoko Nemoto
language : en
Publisher: Asian Development Bank
Release Date : 2019-10-29
Fintech For Asian Smes written by Naoko Nemoto and has been published by Asian Development Bank this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-29 with Business & Economics categories.
SMEs play a vital role in the Asian economy and comprise about 70% of the workforce and GDP in the region. To enhance productivity and ensure sustainable growth in Asia, it is vital to provide smooth financing to SMEs. Traditionally, commercial banks in Asia have regarded loans to SMEs as too risky relative to high transaction costs. However, new technologies including distributed ledger technology, cloud computing, and artificial intelligence are becoming a means of offering faster and more convenient and cost-effective financial services. The digital innovation could help SMEs to have easy access to finance in various routes. This book identifies and develops ideas on how to utilize new technologies to promote SME finance. It could encourage financial institutions and investors to develop new credit risk analysis tools, increase credit supply, and encourage sustainable growth for SME sectors. In addition, the book explores the ways policy makers and market participants could maximize the benefits while mitigating potential risks arising from the new digital era. The messages are important for the public and private sectors in Asia.
Sme Finance In Asia
DOWNLOAD
Author : Giulio Cornelli
language : en
Publisher:
Release Date : 2019
Sme Finance In Asia written by Giulio Cornelli and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
This study gives an overview of recent innovations in the financing of small and medium-sized enterprises (SMEs) in Asia. While SMEs are an important contributor to employment and gross domestic product in Asia, they often face significant credit constraints. Recently, in the context of Asia's rapidly digitalizing economy, both incumbents and new entrants are developing innovative means of providing SME finance. This includes the growth of fintech credit, big tech providers, and new initiatives in trade finance.
Innovative Finance For Technological Progress
DOWNLOAD
Author : Farhad Taghizadeh-Hesary
language : en
Publisher: Taylor & Francis
Release Date : 2022-12-28
Innovative Finance For Technological Progress written by Farhad Taghizadeh-Hesary and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-12-28 with Business & Economics categories.
Innovative businesses and startups contribute to job creation, economic growth, and technological advancement in most countries. Finance helps nurture innovative firms like startups. Unfortunately, most startups and innovative projects cannot secure finance through the usual and conventional methods. This book goes beyond traditional financing to explore innovative ways to help finance startups and novel businesses. The book covers institutional innovation, innovation in products and processes, and the recent progress in financial innovations in various countries through empirical and case studies. It gives an in-depth look at regulatory, policy frameworks, and risk assessments for financial innovations. It also assesses the role of various innovations, including Fintech, machine learning, big data, scoring models, credit databases, digital platforms, credit guarantees in funding startups, and novel technologies. This book offers valuable insights into how policymakers can nurture a more conducive ecosystem for startups and technologies through innovative finance.
The Sme Financing Gap Vol I Theory And Evidence
DOWNLOAD
Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2006-10-25
The Sme Financing Gap Vol I Theory And Evidence written by OECD and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-10-25 with categories.
Analyzes the lack of funding for small and medium-sized enterprises (SMEs) and recommends measures to foster an improved flow of financing.
Fintech Small Business The American Dream
DOWNLOAD
Author : Karen G. Mills
language : en
Publisher: Springer Nature
Release Date :
Fintech Small Business The American Dream written by Karen G. Mills and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Fintech And The Future Of Finance
DOWNLOAD
Author : Erik Feyen
language : en
Publisher: World Bank Publications
Release Date : 2023-04-03
Fintech And The Future Of Finance written by Erik Feyen and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-04-03 with Business & Economics categories.
Fintech—the application of digital technology to financial services—is reshaping the future of finance. Digital technologies are revolutionizing payments, lending, investment, insurance, and other financial products and services—and the COVID-19 pandemic has accelerated this process. Digitalization of financial services and money is helping to bridge gaps in access to financial services for households and firms and is promoting economic development. Improved access to basic financial services translates into better firm productivity and growth for micro and small businesses, as well as higher incomes and resilience to improve the lives of the poor. Technology can lower transaction costs by overcoming geographical access barriers; increasing the speed, security, and transparency of transactions; and allowing for more tailored financial services that better serve consumers, including the poor. Women can especially benefit. Yet too many people and firms still lack access to essential financial services that could help them thrive. It is time for policy makers to embrace fintech opportunities and implement policies that enable and encourage safe financial innovation and adoption. Fintech and the Future of Finance: Market and Policy Implications explores the implications of fintech and the digital transformation of financial services for market outcomes, on the one hand, and regulation and supervision, on the other hand—and how these interact. The report, which provides a high-level perspective for senior policy makers, is accompanied by notes that focus on salient issues for a more technical audience. As the financial sector continues to transform itself, policy trade-offs will evolve, and regulators will need to ensure that market outcomes remain aligned with core policy objectives. Several policy implications emerge. 1. Manage risks, while fostering beneficial innovation and competition. 2. Broaden monitoring horizons and reassess regulatory perimeters. 3. Review regulatory, supervisory, and oversight frameworks. 4. Be mindful of evolving policy trade-offs as fintech adoption deepens. 5. Monitor market structure and conduct to maintain competition. 6. Modernize and open financial infrastructures. 7. Ensure public money remains fit for the digital world. 8. Pursue strong cross-border coordination and sharing of information and best practices.
Sme Funding
DOWNLOAD
Author : Gianluca Oricchio
language : en
Publisher: Springer
Release Date : 2016-12-15
Sme Funding written by Gianluca Oricchio and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-12-15 with Business & Economics categories.
This book explores current financing options for small and medium size enterprises (SMEs), with particular insight into the European market. The authors position SME funding within a risk-averse lending environment with high regulatory costs on business loans, which has arisen from the recent financial crisis and new European bank capital regulations. Chapters in the book demonstrate how and why SMEs may be forced to leave the market and posit that shadow banking and other alternative funding options are viable channels for raising funds. A new and innovative SME credit risk model is also presented. This book will appeal to all who share an interest in sustainable solutions to issues in SME financing.
Fintech And Sme Financefintech And The Future Of Finance Flagship Technical Note
DOWNLOAD
Author :
language : en
Publisher:
Release Date : 2022
Fintech And Sme Financefintech And The Future Of Finance Flagship Technical Note written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.