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Peer-to-Peer Lending and Equity Crowdfunding

Author: Kim Wales

Publisher:

Published:

Total Pages: 0

ISBN-13:

Written by an industry pioneer who has hands-on experience in the brave new world of peer-to-peer lending and equity crowdfunding, this book serves as a resource for investors and entrepreneurs alike and investigates how these alternative mechanisms will increase the financial and operational capacity of borrowers, lenders, buyers, and sellers in the private markets. More than 60 governments across the globe have established financial inclusion as a policy priority and are vying for access to and use of financial services by households and firms to boost economic growth. A thought leader on securities-based crowdfunding, author Kim Wales explores how women and the millennial generation, the world's largest groups of people, can influence "crowd" direct investment, economic freedom, and economic growth. The book provides building blocks to instruct investors and entrepreneurs about how to leverage social networks and supplies tools to help retail investors--"the crowd"--to understand the language, risks, and rewards of this type of investment. Providing an indispensable resource for investors and entrepreneurs, Peer-to-Peer Lending and Equity Crowdfunding summarizes past theory as well as current schools of thought related to capital formation and economic growth, explains why creating a secondary market for private placement offerings is essential to stimulating market liquidity, and documents how public-private partnerships using digital finance will enhance financial inclusion and positively impact investing. The book not only describes how crowdfunding works but also explains investment approaches, secondary markets, governance and compliance, transparency, and risk models that are necessary for investors to make informed decisions.

Peer-to-Peer Lending and Equity Crowdfunding

Author: Kim Wales

Publisher: Bloomsbury Publishing USA

Published: 2017-12-01

Total Pages: 300

ISBN-13: 1440855358

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Written by an industry pioneer who has hands-on experience in the brave new world of peer-to-peer lending and equity crowdfunding, this book serves as a resource for investors and entrepreneurs alike and investigates how these alternative mechanisms will increase the financial and operational capacity of borrowers, lenders, buyers, and sellers in the private markets. More than 60 governments across the globe have established financial inclusion as a policy priority and are vying for access to and use of financial services by households and firms to boost economic growth. A thought leader on securities-based crowdfunding, author Kim Wales explores how women and the millennial generation, the world's largest groups of people, can influence "crowd" direct investment, economic freedom, and economic growth. The book provides building blocks to instruct investors and entrepreneurs about how to leverage social networks and supplies tools to help retail investors—"the crowd"—to understand the language, risks, and rewards of this type of investment. Providing an indispensable resource for investors and entrepreneurs, Peer-to-Peer Lending and Equity Crowdfunding summarizes past theory as well as current schools of thought related to capital formation and economic growth, explains why creating a secondary market for private placement offerings is essential to stimulating market liquidity, and documents how public-private partnerships using digital finance will enhance financial inclusion and positively impact investing. The book not only describes how crowdfunding works but also explains investment approaches, secondary markets, governance and compliance, transparency, and risk models that are necessary for investors to make informed decisions.

Law and Practice of Crowdfunding and Peer-to-Peer Lending in Australia, China and Japan

Author: Pelma Rajapakse

Publisher: Springer Nature

Published: 2022-08-03

Total Pages: 269

ISBN-13: 9811938342

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The revolution in financial technology (FinTech) has created many advancements in the lending and investment space across the world. Law and Practice of Crowdfunding and Peer-to-Peer Lending in Australia, China, and Japan is a timely publication as FinTech grows up and moved into the mainstream of finance in the last decade. Financial services is a highly regulated industry as it is the lifeblood of a modern economy. Pelma Rajapakse, Hatsuru Morita, and Yinxu Huang have done very solid work blazing a new trail in what is a new industry and how to regulate it properly instead of stifling innovation. They have carried out a deep exploration and a thorough compilation of research that will bring everyone up to date on what Australia, China, and Japan are planning and doing in the field of crowdfunding and peer-to-peer lending. In addition to peer-to-peer lending, the book focuses on laws and practices related to Central Bank digital currencies, cryptocurrency, Bitcoin, and Initial Coin Offerings (ICOs) which is very meaningful and forward-looking. The authors presented their thoughts in such clarity that, even those who lack familiarity with Asia-Pacific, will see how FinTech was growing in various ways driven by different factors. For example, peer-to-peer lending in Japan is mostly for small and medium enterprises. It was popular in China but cracked down by the authorities for a few years. It provides an alternative fundraising channel for the capital market in Australia. We also see a set of regulatory approaches among jurisdictions. Some countries draft new regulations, while others amend existing laws. The mechanism of the regulatory sandbox was introduced. As we know, one size does not fit all. What kind of best practices or lessons learned can we apply to our own jurisdiction? This book covers all available answers to date. This volume speaks highly of the quality and foresight of Pelma Rajapakse and her co-authors.

Peer-To-Peer Lending and Equity-Based Crowd Funding - Status Quo and the Leap Forward

Author: Sharath Chandupatla

Publisher:

Published: 2020

Total Pages: 21

ISBN-13:

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This paper intends to evaluate the modern-day concepts of public fund raising under the aegis of 'peer-to-peer lending' and 'equity-based crowdfunding' and to highlight their importance in the current world market scenario. It traces the evolution of crowd funding and highlights its practical functioning with noteworthy illustrations and statistical analysis. This paper intends to address the dire need for regulation of these activities, by bringing to light the deficiencies and lacunae in the extant laws and suggested solutions thereto. In furtherance of the said objective, a double faceted approach is taken. First, the paper examines the parallel international practices of such regulations in the United States of America, United Kingdom, China, France, New Zealand, Korea etc. and then it evaluates extant Indian laws. The paper has also dissected the attempts made by regulatory bodies in India, such as the Reserve Bank of India's Non-Banking Financial Company - Peer to Peer Lending Platform (Reserve Bank) Directions, 2017 and the Securities and exchange Board of India's Consultation Paper on Crowdfunding in India, 2014 which aim to regulate these activities. The paper recognizes the dire need for a meticulous regulation of equity-based crowdfunding and for this purpose concludes with suggestions. The paper highlights the need for introduction of interest cap on peer-to-peer lending, introduction of a 'cooling-off' period for investments by retail investors in Equity crowdfunding, additions to investor education and risk undertaking by investors, strengthening suggested valuation standards etc.

Peer-to-Peer Lending and Equity Crowdfunding

Author: Kim Wales

Publisher: Bloomsbury Publishing USA

Published: 2017-12-01

Total Pages: 256

ISBN-13:

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Written by an industry pioneer who has hands-on experience in the brave new world of peer-to-peer lending and equity crowdfunding, this book serves as a resource for investors and entrepreneurs alike and investigates how these alternative mechanisms will increase the financial and operational capacity of borrowers, lenders, buyers, and sellers in the private markets. More than 60 governments across the globe have established financial inclusion as a policy priority and are vying for access to and use of financial services by households and firms to boost economic growth. A thought leader on securities-based crowdfunding, author Kim Wales explores how women and the millennial generation, the world's largest groups of people, can influence "crowd" direct investment, economic freedom, and economic growth. The book provides building blocks to instruct investors and entrepreneurs about how to leverage social networks and supplies tools to help retail investors—"the crowd"—to understand the language, risks, and rewards of this type of investment. Providing an indispensable resource for investors and entrepreneurs, Peer-to-Peer Lending and Equity Crowdfunding summarizes past theory as well as current schools of thought related to capital formation and economic growth, explains why creating a secondary market for private placement offerings is essential to stimulating market liquidity, and documents how public-private partnerships using digital finance will enhance financial inclusion and positively impact investing. The book not only describes how crowdfunding works but also explains investment approaches, secondary markets, governance and compliance, transparency, and risk models that are necessary for investors to make informed decisions.

Equity Crowdfunding and Peer-to-Peer Lending in New Zealand

Author: James S. Murray

Publisher:

Published: 2017

Total Pages: 8

ISBN-13:

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Raising funds from public investors through equity crowdfunding and peer-to-peer lending was legalised in New Zealand in April 2014. The following year saw the registration of six new financial service providers offering financial crowdfunding services, mainly in equity crowdfunding. With only one peer-to-peer lender operating there is still a lot of room for that market to develop, in particular through the introduction of alternative pricing models, larger loans and business lending. While there are five registered platforms equity crowdfunding is currently dominated by two, The Snowball Effect and Pledgeme, each serving distinct market segments. However, if Australia adopts similar rules it will allow crowdfunding platforms targeting both markets an opportunity to take advantage of a larger crowd, changing the competitive environment.

Bridging the Small Business Capital Gap

Author: United States. Congress. House. Committee on Small Business

Publisher:

Published: 2015

Total Pages: 56

ISBN-13:

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Equity Crowdfunding for Investors

Author: David M. Freedman

Publisher: John Wiley & Sons

Published: 2015-06-15

Total Pages: 304

ISBN-13: 1118853563

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Learn the ins and outs of equity crowdfunding with this informative guide Equity Crowdfunding for Investors is a comprehensive, objective, and authoritative guide to the social and financial rewards of crowdfunding. Before now, angel investing – and the spectacular returns possible in this asset class – has been off-limits to all but the wealthiest Americans. Now equity crowdfunding portals allow the general public to buy shares in startups and fast-growing private companies for the first time in generations. This book provides the guidance individuals need to invest wisely, tempering the excitement of leading-edge technology, innovative business models, and exciting new brands with thorough, practical know-how – including investor limits and requirements, portfolio strategy, deal terms, and much more. Readers will learn the pros and cons of investing in equity crowdfunding so they can make an informed investment decision, as well as best practices for finding, researching, evaluating, and buying into potentially profitable startups. Digital components include tables, graphs, comparison charts, screen captures, checklists, and other tools that further enable readers to make suitable investment choices. Equity crowdfunding is a new, exciting, and evolving way for growing businesses to raise capital and for average investors to buy equity in those businesses. It has been hailed as a "game changer" in the private capital markets, particularly the angel investment asset class, which includes angel investing. This book shows readers how to take full advantage of this new avenue of investment, without being taken advantage of themselves. Make smarter investment decisions Avoid being ripped off Find the best information available Understand the SEC rules and limits Equity crowdfunding can produce huge returns. It also comes with huge risk. Some companies will succeed, but many will fail. Everyday investors can mitigate some risk and increase their chance of profit with the fundamental insight provided in Equity Crowdfunding for Investors.

Crowdfunding in Europe

Author: Dennis Brüntje

Publisher: Springer

Published: 2015-08-20

Total Pages: 251

ISBN-13: 3319180177

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Crowdfunding is becoming an increasingly popular method to finance projects of every kind and scale. This contributed volume is one of the earliest books presenting scientific and research-based perspectives of crowdfunding, its development, and future. The European Crowdfunding Network (ECN) and its scientific work group, together with FGF e.V., invited both researchers and practitioners to contribute to this first state-of-the-art edited volume on crowdfunding in Europe. This book contributes to a better comprehension of crowdfunding, encourages further fundamental research and contributes to a systematization of this new field of research. The book also features expert contributions by practitioners to enhance and complement the scientific perspective. This book can be used as a guideline and shall advance classification in an emerging research field.

The EU Crowdfunding Regulation

Author: Pietro Ortolani

Publisher: Oxford University Press

Published: 2022

Total Pages: 401

ISBN-13: 0192856391

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This book is an in-depth and timely analysis of the EU Crowdfunding Regulation. Striking a balance between academic scrutiny and practical context, and drawing upon various aspects of financial law, consumer law, and dispute resolution, it is invaluable for practitioners and academics seeking to understand an innovative alternative mode of funding.