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Resumo(s)
Nos dias de hoje, o acesso ao crédito por parte de Start-ups e Pequenas e
Médias Empresas (SME’s) está bastante dificultado face à conjuntura económica
nacional e até mesmo internacional. Era importante perceber qual seria o
caminho a traçar por este tipo de empresas relativamente ao seu financiamento.
Desta forma, considerou-se essencial tentar perceber o papel dos bancos, e
acima de tudo o papel dos intermediários financeiros neste processo. Através
deste estudo pudemos perceber que existem um conjunto de funções realizadas
por parte dos bancos, mas que com o passar do tempo estão a ser realizadas por
outros players do mercado financeiro também.
A inovação tem tido um papel chave ao longo de décadas na área financeira,
permitindo constantes adaptações ao longo do tempo e fazer face às
adversidades que têm surgido. É importante perceber que existem diversos
fatores/motivos que estimulam a inovação na área financeira, desde a tecnologia
até às necessidades que se encontram por satisfazer.
Tendo tudo isto em consideração chegamos ao tema das FinTech no contexto
da inovação financeira e como forma de resposta às necessidades de
financiamento de Start-ups e SME’s. Do estudo concluiu-se que o Equity
Crowdfunding (ou Financiamento Colaborativo baseado no capital) pode ser uma
alternativa para o problema do acesso ao crédito por parte destas empresas.
Percebendo em que consiste o Crowdfunding (e o Equity Crowdfunding) foram
analisadas plataformas existentes no mercado para analisar e compreender as
melhores práticas. Também a leitura da legislação que entrou em vigor foi
importante para se perceber o que mais podia ser feito nesta área no nosso país.
No decorrer deste estágio procedeu-se a uma análise dos fatores internos e
externos que poderiam afetar este tipo de negócio e inferiu-se que haveria viabilidade para a criação duma plataforma deste tipo no nosso país.
Consequentemente, estudou-se e desenvolveu-se, para futura implementação,
um novo modelo de negócio de Equity Crowdfunding para financiamento
empresarial.
Nowadays, Start-ups and Small and Medium Enterprises (SME's) face a very difficult access to Credit, due to the national and international economic situation. It was important to understand the path to be drawn by this type of companies in terms of its financing. It was considered essential to understand the role of banks and the role of the financial intermediary in this process. Through this study we can realize that there are a set of functions performed by banks, but over time are being performed by other players in the financial market as well. The innovation path has played a key role for decades in the financial sector, allowing for constant adaptations over time and in the face of adversity. It is important to realize that there are several factors / reasons that stimulate innovation in the financial area. Taking all this into consideration, we reach the theme of FinTech and the areas where there are many financial innovations, namely in the financing of Start-ups and SME's. It was concluded that Equity Crowdfunding (or Capital-based Collaborative Financing) may be a solution to the problem of access to credit by these companies. After realizing what Crowdfunding (and Equity Crowdfunding) consists of, existing platforms were analyzed in the market and it was understood what the best practices among them were. The Portuguese legislation was also important to realize what could be done in this area in our country. Consequently, an analysis of the internal and external factors that could affect this type of business was made and the conclusion suggests that it would be viable to create such a platform in our country. So, a possible Business Model was created for a future potential implementation.
Nowadays, Start-ups and Small and Medium Enterprises (SME's) face a very difficult access to Credit, due to the national and international economic situation. It was important to understand the path to be drawn by this type of companies in terms of its financing. It was considered essential to understand the role of banks and the role of the financial intermediary in this process. Through this study we can realize that there are a set of functions performed by banks, but over time are being performed by other players in the financial market as well. The innovation path has played a key role for decades in the financial sector, allowing for constant adaptations over time and in the face of adversity. It is important to realize that there are several factors / reasons that stimulate innovation in the financial area. Taking all this into consideration, we reach the theme of FinTech and the areas where there are many financial innovations, namely in the financing of Start-ups and SME's. It was concluded that Equity Crowdfunding (or Capital-based Collaborative Financing) may be a solution to the problem of access to credit by these companies. After realizing what Crowdfunding (and Equity Crowdfunding) consists of, existing platforms were analyzed in the market and it was understood what the best practices among them were. The Portuguese legislation was also important to realize what could be done in this area in our country. Consequently, an analysis of the internal and external factors that could affect this type of business was made and the conclusion suggests that it would be viable to create such a platform in our country. So, a possible Business Model was created for a future potential implementation.
Descrição
Palavras-chave
Intermediação financeira Inovação financeira FinTech Crowdfunding Equity Crowdfunding Financial intermediation Financial innovation