КРАУДФАНДИНГОВЫЕ ПЛАТФОРМЫ И ПРИНЦИПЫ ИХ ПРИМЕНЕНИЯ НА ПРАКТИКЕ НА ПРИМЕРЕ ЗАРУБЕЖНЫХ СТРАН

Аннотация

This article examines the features of crowdfunding as a modern financing mechanism based on the experience of foreign countries. The study analyzes the main types of crowdfunding platforms — donation-based, reward-based, loan-based, and equity-based — using the examples of countries such as the United States, European Union member states, and China. The article also highlights the advantages of crowdfunding as a financial instrument, potential risks, and the legal and institutional frameworks for its operation. The research findings substantiate the role of crowdfunding in enhancing financial inclusion and supporting innovative projects. Keywords: crowdfunding, platform, alternative financing, fintech, international experience, financial technologies.