最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

Invesdor推新型债务众筹产品CrowdBond

债务投资和股权投资是众筹的两种主要方式。股权投资可以在一段时间内带来资本收益,但有时投资者可能并不想承担太多风险。根据这样的市场需求,赫尔辛基的众筹平台Invesdor推出了一款名为CrowdBond的新筹资工具。

Crowdbond这款债务产品专门服务那些不愿意放出股权的公司。投资者可以以固定利率(比如每年6%)向公司提供贷款。这种融资产品与英国CrowdCube开发的Mini-Bonds十分类似。虽然Invesdor尚未透露CrowdBond的最后细节,但与之类似的Mini-Bonds一般都会打包附赠一定的投资者优惠,比如产品折扣等等。CrowdBond借款无需抵押,但在贷款期结束时应该付清全款。发行者也可在到期时将债券转换为股票。Invesdor认为,相较于传统银行融资,CrowdBond有更多的竞争优势。Invedor平台表示:

"Crowdbonds无抵押,而在银行的贷款通常需要资信证明。银行的贷款也需要借款公司签署财务契约和并定期报告,而在Crowdbonds,这都是不需要的。"

Invesdor表示CrowdBonds将在次级市场进行交易。目前尚不清楚借贷交易是否会在Invesdor平台上进行。

退一步说,这都是互联网金融的自然发展过程。无论是债务借贷还是股权借贷哪种方式,投资者和借款人都能获得双赢。

Debt and equity are two sides of the same financing coin. Equity ownership can drive capital gains over time but sometimes you want to invest while shouldering a bit less risk. Invesdor, based in Helsinki, is launching a new financing vehicle and they have labeled it the CrowdBond.

Crowdbond is a debt product that is designed to appeal to more established companies who do not want to give up any ownership in their firm. Investors may loan money to a company at a fixed interest rate, say 6% per year. This new financing product is quite similar to UK's Mini-Bonds being utilized by CrowdCube. While final details have not been revealed regarding the CrowdBond product, in the UK frequently Mini-Bonds are packaged with perks as well. Say product discounts or access to investor only deals. The CrowdBond is unsecured but expects to pay back in full at the end of the term. Alternatively an issuer may decide to make the bond convertible into equity at the end of the period. Invesdor views their CrowdBond as a competitive alternative to traditional bank finance. Invedor. The platform stated;

"Crowdbonds are unsecured while bank loans usually require security with personal assets. Bank loans also require covenants and reporting from the borrowing company, which are not required in the case of Crowdbonds."

Invesdor also states their CrowdBonds will be traded on the aftermarket. It is not clear yet as to whether the exchange will be hosted on their platform or the transactions will occur elsewhere (or both).

If you step back a second this is a natural progression for internet finance. Crowdfunding drives efficiency for both issuer and investor, be it debt or equity.


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