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Abstract(s)
A revolução tecnológica dos últimos anos fomentou a crescente tendência de desenvolvimento de novos meios de financiamento alternativos ao sistema financeiro tradicional, que tem atraído cada vez mais a atenção dos diversos mercados e ordenamentos jurídicos a nível global. Uma das modalidades de serviços oferecidos pela FinTech mais disruptivas diz respeito ao crowdfunding, em particular, o financiamento colaborativo de capital. Como tal, o principal objetivo do presente trabalho é efetuar uma análise descritiva deste meio de financiamento, enumerando as suas principais vantagens e riscos inerentes, assim como os seus principais intervenientes, nomeadamente a figura do beneficiário, do investidor e da plataforma de financiamento. A pertinência deste tema, deve-se sobretudo tanto pela relevância do mesmo para o financiamento de pequenas e médias empresas e start-ups, como pela sua complexidade jurídica. Dado que existem diversos desafios a nível regulatório, tanto à luz do direito comparado, assim como a nível nacional, pretendemos fazer uma análise expositiva de ambas, com especial enfoque no ordenamento jurídico português, procurando propor recomendações que visem ao aproveitamento desta modalidade no seu pináculo.
The technological revolution of recent years has fostered the growing trend of developing new alternative means of financing to the traditional financial system, which has increasingly attracted the attention of the various markets and legal systems globally. One of the most disruptive service modalities offered by FinTech concerns crowdfunding, in particular, equity crowdfunding. As such, the main objective of this paper is to perform a descriptive analysis of this means of financing, listing its main advantages and inherent risks, as well as its main actors, namely the figure of the beneficiary, the investor and the financing platform. The relevance of this topic is mainly due to its relevance for the financing of small and medium-sized enterprises and start-ups, as well as its legal complexity. Given that there are several challenges at regulatory level, both in the light of comparative law, as well as at national level, we intend to make an expository analysis of both, with special focus on the Portuguese legal system, seeking to propose recommendations aimed at the exploitation of this modality in its pinnacle.
The technological revolution of recent years has fostered the growing trend of developing new alternative means of financing to the traditional financial system, which has increasingly attracted the attention of the various markets and legal systems globally. One of the most disruptive service modalities offered by FinTech concerns crowdfunding, in particular, equity crowdfunding. As such, the main objective of this paper is to perform a descriptive analysis of this means of financing, listing its main advantages and inherent risks, as well as its main actors, namely the figure of the beneficiary, the investor and the financing platform. The relevance of this topic is mainly due to its relevance for the financing of small and medium-sized enterprises and start-ups, as well as its legal complexity. Given that there are several challenges at regulatory level, both in the light of comparative law, as well as at national level, we intend to make an expository analysis of both, with special focus on the Portuguese legal system, seeking to propose recommendations aimed at the exploitation of this modality in its pinnacle.
Description
Keywords
Crowdfunding FinTech Financiamento Plataformas Investidores Beneficiários Financing Platforms Investors Beneficiaries