Hacker at computer.

Crowdfunding of crowdphishing?

NEW HAVEN – Wie een perfect voorbeeld zoekt van waarom het zo moeilijk is om financiële markten goed te laten werken hoeft niet verder te kijken dan de moeilijkheden en controverse rond crowdfunding in de Verenigde Staten. Na meer dan drie jaar van overleg vaardigde de Securities and Exchange Commission (SEC) van de VS afgelopen maand een definitieve regeling uit die zuiver crowdfunden toestaat; en toch schiet het nieuwe regelgevingskader nog steeds ernstig tekort in wat er nodig is om crowdfunding wereldwijd aan te jagen.

Zuivere crowdfunding, ofwel crowdfunding met eigen vermogen, refereert aan de activiteiten van onlineplatforms die aandelen van startups direct aan grote groepen kleine investeerders verkopen, en daarmee het traditionele durfkapitaal of investeringsbankieren omzeilen. Het concept komt overeen met onlineveilingen. Maar in plaats van individuen in staat te stellen hun oude meubilair aan de hele wereld aan te bieden, is de bedoeling van crowdfunding om snel geld op te halen van ingewijden voor bedrijven die bankiers vaak niet begrijpen. Het klinkt absoluut opwindend.

Regelgevers buiten de VS zijn vaak een stuk meegaander geweest en er bestaan al een aantal actieve crowdfundingplatforms. Zo opereren Symbid in Nederland en Crowdcube in Engeland allebei al sinds 2011. Maar crowdfunding is nog steeds geen grote factor op de wereldmarkt. En dit zal zonder adequate – en innovatieve – financiële regulering niet veranderen.

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