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相关监管条例缺失正阻碍非洲众筹业发展

全新的互联网金融模式国际资讯

相关监管条例缺失正阻碍非洲众筹业发展

Crowdfunding could be huge in Africa but regulatory laws need to catch up

非洲众筹业的年度报告Afrikstart Crowdfunding in Africa显示,2015年,非洲各大众筹平台的所有项目融资总额达3230万美元。不过,如果非洲政府能够积极出台相应的众筹监管条例的话,相信在未来几年里,融资总额会更创新高。

尽管众筹变得越来越受欢迎,但是相关立法和监管条例的缺失还是阻碍了非洲大部分国家众筹的发展。一些尼日利亚的创业公司在近期就遇到了难题,因为国家证券交易监管机构认为国家并没有针对众筹出台相应的法律条例,监管机构也表示国家尚未针对最新的融资来源出台相应的金融法案。

报告指出:“相关监管条例的缺失,严重影响了非洲以股权和债务为基础的众筹平台的迅速扩张。监管条例的缺失很可能阻碍了投资人向众筹平台注入资金,因为他们无法享有基本的投资人保护权益和清晰的退出投资策略。“非洲若能出台众筹相关监管条例将有诸多好处,比如说解决了各大商业往来、企业和民众所面临的无法真正参与到金融行业的这个急迫问题。

当然,还有些人对监管机构会支持这个创新平台的想法嗤之以鼻,因为他们认为非洲大部分国家的地方监管人都是极度保守的,他们会借现有条例不遗余力地打击创新想法和创新人士。

尽管监管条例的缺失阻碍了众筹的发展,但是随着部分大陆国家上网花费的不断降低,智能手机的不断普及,越来越多的非洲人开始借助众筹平台对项目进行融资,其中从创业公司到社会事业都有覆盖。

其中,南非的发展最为迅速,非洲3230万美元的总融资中,仅南非的融资额就高达3080万美元。

图片 1 第1张

南非的融资情况在整个非洲大陆占据了主导地位也是情理之中。据报告显示,众筹在南非之所以如此受欢迎,同国家相对成熟的企业市场分不开,因为它拥有国家强有力且可靠的信用体系和监管做后盾。

通常,非洲社会事业的融资会占据整个融资项目的三分之一,其次就是商业和企业项目的融资类目。

图片 2 第2张
尽管社会事业融资项目占比非常高,但项目最终的融资结果并不尽如人意,社会事业融资额还不足所有项目总融资额的1%。报告解释称,平均融资额为1500美元,因为社会事业需要融资的资金比那些商业融资项目或者房地产融资项目所需要的资金要少很多。去年,社会事业融资总额仅达到30万美元,商业及企业项目融资总额居榜首,达到1780万美元。

图片 3 第3张

2015年,除去大陆,非洲在其他地方的融资总额达到了9460万美元。和本土的融资项目相比,海外融资平台的融资项目基本上都聚焦在了社会事业上。

图片 4 第4张

Crowdfunding platforms in Africa raised $32.3 million for various projects in 2015, data from the Afrikstart Crowdfunding in Africa (pdf) report shows. But that figure could be much higher over the coming years if African governments develop regulation on crowdfunding.

Despite its rising popularity, the most common limitation of crowdfunding across most African countries, is a lack of legal and regulatory framework. Nigerian start-ups were recently confronted with this reality when the country’s securities and exchange regulator insisted the country’s laws make no provisions for crowdfunding. The regulator there said the country’s financing laws had yet to catch up with new funding sources.

“The absence of regulation limits the expansion of equity-based or debt-based crowdfunding platforms in Africa,” the report states. The lack of regulation likely deters more investors from pooling money in platforms “in which they have no basic investors’ protection rights and clear exit strategies,” the report says. The upside to fixing crowdfunding regulation in Africa will see access to finance, a pressing problem for businesses and entrepreneurs, democratized.

There is some irony in the idea that regulators could support an innovative platforrm given local regulators in many African countries have been extremely conservative and typically used regulation to smother innovation and innovators.

Despite the limitation an absence of regulation poses, with cost of access to internet dropping in parts of the continent and smartphone penetration deepening, more Africans are taking advantage of crowdfunding platforms to finance projects ranging from start-ups to social causes.

This is happening quicker in South Africa than anywhere else. Of the $32.3 million raised by crowdfunding platforms based in Africa, $30.8 million was raised by platforms in South Africa alone.

1 第1张

South Africa’s dominance in crowdfunding on the continent is not accidental. According to report, the popularity of crowdfunding in South Africa is down to the country’s “sophisticated business market, a robust and reliable regulatory credit system and supervision.”

Generally, social causes constituted nearly a third of the total crowdfunding projects launched across the continent while business and entrepreneurship projects were the second most launched category.

2 第2张
But the high rate of social causes launched was not matched by the funding received—less than 1% of the total money raised. At an average of $1,500, the report explains, the low total amount of funding received by social causes is due to the average funding goal of a crowdfunding project for a social cause being “lower than the target funding goal of a business crowdfunding project or a real estate crowdfunding project.” While social causes received just over $300,000, projects involving businesses and entrepreneurs were the top funded crowdfunding category last year, receiving $17.8 million.

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Crowdfunding platforms outside the continent also raised $94.6 million to fund projects in Africa in 2015. In contrast to crowdfunding projects on the continent, foreign crowdfunding platforms “primarily fund projects geared towards social causes.”

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  • 我爱猫12在 2016/10/11 12:44回复

    如果非洲政府能够积极出台相应的众筹监管条例的话,在未来几年里,融资总额会更创新高。

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