牛津经济研究院：2025年生产性金融在行动：Allica银行贷款的经济足迹报告（英文版）

At the end of the global financial crisis, the major UK banks accounted for the majority of business loans to SMEs. However, after a series of government initiatives and regulatory interventions, new and specialist banks have entered the market, such as Allica Bank. These new entrants harnessed digitally native business models and platform lending to reach SMEs seeking funding across the country. These challenger and specialist banks now lend more to SMEs than the major UK banks. The share of