1. At present, there are hundreds of crowdfunding platforms, including equity crowdfunding, debt crowdfunding, donation crowdfunding and return crowdfunding. The development of equity crowdfunding has attracted everyone's attention. It is not considered to be a suitable way for project crowdfunding, which can make the project successful in the market. Crowdfunding has helped some people who can't realize their wishes, and also helped those who need help to realize their wishes. Creditor's rights crowdfunding uses creditor's rights to obtain income. In return, crowdfunding can purchase future demand in advance. Equity crowdfunding: I give you money, and you give it to the stock representative of our company: Chip Road and Green Orange equity crowdfunding are nothing new. Investors applying for shares in IPO is actually a manifestation of equity crowdfunding. In the field of Internet finance, the early stage of equity crowdfunding mainly refers to private equity investment through the Internet, which is a supplement to venture capital.
2. Debt crowdfunding: I will give you the money, and you will pay me back the principal and interest later. Representative: Debt crowdfunding of various P2P platforms is actually a P2P lending platform. Investors who invest in projects or companies will get a certain proportion of creditor's rights, interest income and recover the principal in the future. However, because the topic of P2P lending platform is relatively large, it is generally not included in the narrow crowdfunding category discussed by the public.
3. Crowdfunding donation: I will give you money, and you don't have to give me anything. Representative: The reason is that youcaring is actually doing public welfare through donation crowdfunding. Raising funds through crowdfunding platforms, including the online donation platform of NGOs such as the Red Cross, is the embryonic form of donation crowdfunding: people in need apply by themselves or others, NGOs conduct due diligence to verify the situation, and NGOs launch projects online to raise donations from the public. But if traditional NGOs are not included, pure donation crowdfunding is still rare in China.
4. Reward crowdfunding: I give you money and you give me products or services. Representative: KickStarter and indiegogo return crowdfunding generally refers to the pre-sale of products or services that are still in the R&D, design or production stage, which is different from the sales of products or services that have entered the sales stage. Reward crowdfunding faces the risk of not being delivered on time.