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Les défis posés par le crowdfunding

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  • Nicolas Lesur

Abstract

With its spectacular growth and yet unleashed potential, crowdfunding raises technical, economical and regulatory issues, specifically when it comes to marketplace lending: regulators hardly figure out how to deal with this new model, incumbents as traditional banks may fear it but some of the most agile of them already take it as a profitable opportunity, and platforms strive to build efficient and liquid marketplaces. Crowdlending envisions a new approach of the asset and liability allocation based on data and technology that naturally leads traditional players to worry about its developments. By making direct financing for small businesses easier, crowdlending brings concrete solutions to secular issues of the financial industry and its ability to finance the economy. Classification JEL: G21, G23, O33.

Suggested Citation

  • Nicolas Lesur, 2015. "Les défis posés par le crowdfunding," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 103-112.
    • Handle: RePEc:cai:refaef:ecofi_118_0103
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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