Analytical overview of the crowdfunding and crowdlanding market in Russia
The article discusses innovative forms of attracting financing for innovative and fast-growing projects of companies, such as crowdfunding, crowdlanding. The relevance of the work is confirmed by the fact that in the context of the digital economy there is a transformation of forms of business financing. New mechanisms using digital and platform Internet technologies allow you to create new tools to attract project financing, while saving on transactional, operational, temporary and other costs. One of the tools to attract financing for business in order to implement digital economy projects is crowdfunding and one of its forms is crowdlanding. Based on this, the purpose of the work was to assess the state and prospects for the development of the crowdfunding and crowdlanding market in Russia. The author solved a number of problems to achieve this goal: a general idea of crowdfunding was given, methods of regulating investment platforms were studied, crowdfunding segments were identified, key risks of investment using investment platforms were identified, a general idea of crowdfunding was given, the trend of application and prospects for the development of peer-to-peer lending were considered (P2R), identified the advantages and disadvantages of Р2Р platforms, analyzed and displayed statistics of the most popular Russian and foreign online lending exchanges, formulated directions for the development of crowdfinancing in Russia. The research methodology is based on a set of theoretical and empirical research methods: description, comparison, analysis and synthesis of the source material with the final synthesis of the results obtained and making a single judgment. The scope of the study results is related to the subsequent formation of proposals and recommendations for the development of organizational, legal, methodological, technical, technological, economic and other measures for the use of crowdfunding and crowdlanding tools.