地銀化するクラウドファンディング
Dismantling of Regional Banks and the Rise of Crowdfunding Crowdfunding has gained popularity as a result of the decline in the functionality of Regional Banks. It is believed that Crowdfunding has flourished because it offers financial services, such as prepayment and the resolution of time gaps, which are lacking in traditional banking systems. This innovative approach combines the concept of group purchasing, similar to that of Groupon, with financial functions. One notable aspect is that Crowdfunding is not limited to traditional banks but is often associated with Regional Banks. This distinction highlights the high resolution and specificity of Regional Banks in the context of this evolving financial landscape. Government statistics indicate that Small and medium-sized enterprises are facing challenges in accessing financial services through traditional banks. This is due to the stringent requirements of banks, such as collateral and personal guarantees. Consequently, there is a growing demand for alternative financial systems that do not rely on traditional banking institutions. Crowdfunding is one such system that has gained traction in meeting this demand. It is worth noting that the inability to evaluate business plans effectively has contributed to the decline in the functionality of traditional banks. This has led to a situation where lending decisions are primarily based on collateral capacity. Furthermore, there is a shift in the profile of business owners, with an increasing number of individuals lacking financial assets taking on entrepreneurial roles. Further research is needed to explore the available data on these trends.
In conclusion, the rise of Crowdfunding and the Dismantling of Regional Banks reflect the need for alternative financial systems that cater to the changing landscape of business ownership and financing. These shifts are driven by the dysfunctionality of traditional banks and the demand for more inclusive and accessible financial services.