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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.
- Describes the inherent value in democratization of capital and financial inclusion using peer-to-peer credit and equity crowdfunding that can assist private investors, banks, small businesses, and pension fund managers with market participation
- Documents the necessity for fostering transparency, enhancing risk management, and establishing a secondary market to increase distribution and liquidity
- Explains how to raise capital, invest, and make a social justice impact using digital finance
- Highlights how social media connections influence the capital-raising process
- Author Info
- Table of Contents
Foreword by Garry B. Crowder
Reregulating and Deregulating theGlobal Capital Markets
Regulatory Reform across Seven Continents
Securities Crowdfunding and Alpha in Social Data
Market Structure: Women and Millennials
Behaviors Related to Savings and Investment
Underwriting and Valuations
Primary versus Secondary Markets
Distributed Ledger Technology for a UniversalCredit System
Glossary of Financial Terms
"In a world full of disruptors, peer-to-peer lending and securities-based crowdfunding have become the most revolutionary. Besides the more traditional methods of fundraising, angel investing was perhaps the only other credible source of funding. Kim Wales's book gives the reader a thorough grounding in peer-to-peer lending and crowdfunding as well as in their possible impact at every level: asset management, individual and institutional investors and regulatory, to name just a few."
"A clever marriage of the fundamentals of crowdfunding, regulation, and policy for capital markets development, this book will be helpful to today's and tomorrow's students, practitioners as well as policy makers. Kim Wales's insightful views rest on her deep hands-on experience as a change agent, lobbyist, and advocate."
"This book provides the reader with the context to understand the significant growth in crowdfunding. Kim Wales also gives insightful views as to what it would take for this market to reach the next level. Her recommendations for standardization of contracts, vocabulary, and credit ratings are particularly spot on."
"Kim Wales has written an impressive book based upon her thorough research and understanding of a critical growth market. Anyone who is looking to the future world of funding needs to read this book."
- Look Inside