Crowdlanding investment platforms as an investment instrument

The sphere of activity of investment platforms as a separate segment of the financial market has formed recently and at the moment the potential of crowdfunding as an investment tool remains uncertain. This article examines the specific features that characterize modern crowdlending mechanisms in the national market. The history of Russian financial intermediation institutions in raising funds through crowdfunding is briefly given, the current state of this segment of the financial market and its current scale are specified. Some features of the motivation of crowdfunding are revealed, making it attractive for certain categories of people wishing to attract financing. A comparison of profitability in crowdlending projects and other areas of investment is carried out. The features of the composition of key groups of investors and borrowers are revealed. The features of the modern mechanism of crowdlending of investment platforms, forming the specifics of its application as an area for investing funds, are analyzed.