{"id":328358,"date":"2023-05-10T17:30:35","date_gmt":"2023-05-10T15:30:35","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=328358"},"modified":"2023-12-13T10:49:20","modified_gmt":"2023-12-13T08:49:20","slug":"regulacia-crowdfundingu-sa-blizi-co-prinesie","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/it\/regulacia-crowdfundingu-sa-blizi-co-prinesie\/","title":{"rendered":"Regul\u00e1cia crowdfundingu sa bl\u00ed\u017ei: \u010co prinesie?"},"content":{"rendered":"
Neskomplikuje n\u00e1m regul\u00e1cia \u201epodnikate\u013esk\u00fd \u017eivot\u201c? Na prv\u00fd poh\u013ead m\u00f4\u017ee vyzera\u0165 ako neust\u00e1la kontrola a drobnoh\u013ead. Odpoved\u00e1me na to jednoducho: \"Bude to komplikovan\u00e9, ale te\u0161\u00edme sa na to.\" Pre\u010d\u00edtajte si, pre\u010do regul\u00e1ciu v\u00edtame a kedy je na mieste.<\/strong><\/p>\n\n\n\n Predstavte si ve\u013ek\u00fa kri\u017eovatku, ke\u010f zhasn\u00fa semafory. Bez pravidiel cestnej prem\u00e1vky a ich znalosti by vznikol chaos. A s n\u00edm zv\u00fd\u0161en\u00e9 riziko nehody. Sk\u00f4r \u010di nesk\u00f4r by niekto pri\u0161iel k ujme. Podobne je to vo svete financi\u00ed. Bez pravidiel pre fungovanie masov\u00e9ho investovania by \u010dasom ur\u010dite vznikla ve\u013emi ve\u013ek\u00e1 \u0161ed\u00e1 z\u00f3na, ktor\u00fa by nikto nekontroloval, a tak by sa pos\u00favali hranice a vznikali by disproporcie vo v\u00fdzname toho, \u010do je e\u0161te podnikate\u013esky etick\u00e9 a \u010do u\u017e nie. \u010co je prijate\u013en\u00e9 vo\u010di trhu a z\u00e1kazn\u00edkom a \u010do u\u017e nie? \u010co je vlastne leg\u00e1lne a \u010do u\u017e nie?<\/p>\n\n\n\n Tom\u00e1\u0161 Bar\u010d\u00edk, COO spolo\u010dnosti Invest in Slovakia vysvet\u013euje: \u201eV oblastiach, ako s\u00fa financie a bankovn\u00edctvo, alebo ak chcete riadenie invest\u00edci\u00ed, s\u00fa pravidl\u00e1 a hranice z\u00e1kladom \u00faspechu aj udr\u017eate\u013enosti. Ak to chceme ve\u013emi zjednodu\u0161i\u0165, tak vo svete bez pravidiel si ka\u017ed\u00fd m\u00f4\u017ee robi\u0165, \u010do chce, bez hrozby sankci\u00ed. Ak v\u0161ak pravidl\u00e1 existuj\u00fa, potom sa teoreticky aj prakticky m\u00f4\u017ee ka\u017ed\u00fd pok\u00fasi\u0165 robi\u0165, \u010do chce, ale sk\u00f4r \u010di nesk\u00f4r sa ur\u010dite objav\u00ed nejak\u00e1 sankcia alebo dokonca z\u00e1kaz \u010dinnosti.\u201c<\/em><\/p>\n\n\n\n Regul\u00e1cia napom\u00e1ha predch\u00e1dza\u0165 chaosu. V tomto pr\u00edpade prinesie v\u0161etk\u00fdm zainteresovan\u00fdm stran\u00e1m mno\u017estvo v\u00fdhod:<\/p>\n\n\n\n Ochrana investorov je z\u00e1merne na prvom mieste programu. Investi\u010dn\u00e9 crowdfundingov\u00e9 platformy umo\u017e\u0148uj\u00fa podnikom z\u00edskava\u0165 kapit\u00e1l od ve\u013ek\u00e9ho po\u010dtu investorov. \u010casto s relat\u00edvne n\u00edzkym investi\u010dn\u00fdm minimom - nieko\u013eko desiatok \u010di stoviek eur. To ale znamen\u00e1, \u017ee individu\u00e1lni investori m\u00f4\u017eu ma\u0165 mal\u00e9 alebo \u017eiadne sk\u00fasenosti s investovan\u00edm.<\/p>\n\n\n\n Taktie\u017e m\u00f4\u017eu ma\u0165 menej dostupn\u00fdch inform\u00e1ci\u00ed a men\u0161iu vyjedn\u00e1vaciu silu oproti tradi\u010dn\u00fdm investi\u010dn\u00fdm scen\u00e1rom. V t\u00fdch do hry vstupuje finan\u010dn\u00fd agent<\/a> alebo in\u00fd poradca, \u010di u\u017e v \u00falohe licencovanej fyzickej osoby, investi\u010dnej skupiny alebo mo\u017eno pracovn\u00edka banky.<\/p>\n\n\n\n V pr\u00edpade crowdfundingu pr\u00e1ve regul\u00e1cia pom\u00f4\u017ee zabezpe\u010di\u0165, aby mali investori dostatok inform\u00e1ci\u00ed a aby boli investi\u010dn\u00e9 rizik\u00e1 komunikovan\u00e9 jasne, transparentne a zrozumite\u013ene.<\/p>\n\n\n\n Chamtivos\u0165 u\u017e pokazila nejeden dobr\u00fd \u00famysel. Crowdfundingov\u00e9 platformy m\u00f4\u017eu pochopite\u013ene pri\u0165ahova\u0165 aj tak\u00fdch, ktor\u00ed sa bud\u00fa sna\u017ei\u0165 podvies\u0165 investorov. Regul\u00e1cia pom\u00f4\u017ee zabr\u00e1ni\u0165 podvodn\u00fdm \u010dinnostiam a umo\u017en\u00ed ulo\u017ei\u0165 sankcie a vym\u00e1ha\u0165 n\u00e1hradu \u0161kody od t\u00fdch, ktor\u00ed sa o tak\u00e9to nekal\u00e9 praktiky pok\u00fasia. Celkovo zn\u00ed\u017ei pravdepodobnos\u0165 sprenevery investovan\u00fdch pe\u0148az\u00ed a in\u00fdch nekal\u00fdch prakt\u00edk vo\u010di investorom, teda z\u00e1kazn\u00edkom.<\/p>\n\n\n\n Stabilita alebo stabiliz\u00e1cia trhu je v\u017edy lep\u0161\u00edm a v\u00fdnosnej\u0161\u00edm scen\u00e1rom ako volatilita. Neregulovan\u00e9 trhy crowdfundingu m\u00f4\u017eu podlieha\u0165 nadmernej volatilite a kritickej nestabilite. Najm\u00e4 ak im ch\u00fdbaj\u00fa jasn\u00e9 pravidl\u00e1 zverej\u0148ovania inform\u00e1ci\u00ed, transparentnosti a zodpovednosti. Regul\u00e1cia pom\u00f4\u017ee vytvori\u0165 stabilnej\u0161ie trhov\u00e9 prostredie a prevent\u00edvne zabr\u00e1ni\u0165 vzniku syst\u00e9mov\u00fdch riz\u00edk.<\/p>\n\n\n\n Regul\u00e1cia posl\u00fa\u017ei aj ako \u00fa\u010dinn\u00fd n\u00e1stroj na zlep\u0161enie reput\u00e1cie a d\u00f4veryhodnosti crowdfundingov\u00fdch platforiem a cel\u00e9ho sektora. Prostredn\u00edctvom presadzovania noriem pre zverej\u0148ovanie inform\u00e1ci\u00ed, transparentnos\u0165 a zodpovednos\u0165 m\u00f4\u017eu regula\u010dn\u00e9 org\u00e1ny poskytn\u00fa\u0165 investorom z\u00e1ruku, \u017ee trh je d\u00f4veryhodn\u00fd a spo\u013eahliv\u00fd.<\/p>\n\n\n\n Certifik\u00e1cia platforiem v r\u00e1mci tak\u00fdchto regula\u010dn\u00fdch r\u00e1mcov m\u00f4\u017ee posilni\u0165 ich legitimitu a podpori\u0165 zv\u00fd\u0161en\u00fa d\u00f4veru investorov. T\u00fdm sa nielen stabilizuje sektor \u201edavov\u00e9ho investovania\u201c, ale aj ur\u00fdchli u\u017e tak siln\u00fd rast<\/a> pril\u00e1kan\u00edm \u0161ir\u0161ieho okruhu investorov. Spr\u00e1vne regula\u010dn\u00e9 opatrenia pom\u00f4\u017eu crowdfundingu v jeho transform\u00e1cii z \u201enovinky\u201c na tradi\u010dn\u00fd investi\u010dn\u00fd n\u00e1stroj.<\/p>\n\n\n\n Regul\u00e1cia m\u00f4\u017ee samozrejme pom\u00f4c\u0165 zlep\u0161i\u0165 poves\u0165 a d\u00f4veryhodnos\u0165 crowdfundingov\u00fdch platforiem a cel\u00e9ho odvetvia crowdfundingu. Presadzovan\u00edm noriem pre vy\u0161\u0161ie uveden\u00e9 zverej\u0148ovanie inform\u00e1ci\u00ed, transparentnos\u0165 a zodpovednos\u0165 m\u00f4\u017eu regula\u010dn\u00e9 org\u00e1ny poskytn\u00fa\u0165 investorom z\u00e1ruku, \u017ee trh je d\u00f4veryhodn\u00fd a spo\u013eahliv\u00fd.<\/p>\n\n\n\n Crowdfundingov\u00e9 platformy u\u017e v s\u00fa\u010dasnosti poskytuj\u00fa pr\u00edstup ku kapit\u00e1lu mal\u00fdm a za\u010d\u00ednaj\u00facim podnikom a projektom (napr\u00edklad developerom v pr\u00edpade crowdfundingu nehnute\u013enost\u00ed). Vytvoren\u00edm vyrovnan\u00fdch podmienok a zabezpe\u010den\u00edm spravodlivej hospod\u00e1rskej s\u00fa\u0165a\u017ee m\u00f4\u017eu regula\u010dn\u00e9 org\u00e1ny pom\u00f4c\u0165 podpori\u0165 zdrav\u00fd a udr\u017eate\u013en\u00fd ekosyst\u00e9m crowdfundingu. A z toho bud\u00fa profitova\u0165 investori aj podnikatelia.<\/p>\n\n\n\n Regula\u010dn\u00e9 pravidlo sa vz\u0165ahuje na v\u0161etky \u010dlensk\u00e9 \u0161t\u00e1ty E\u00da a otv\u00e1ra obrovsk\u00e9 pr\u00edle\u017eitosti pre podnikate\u013eov, ktor\u00ed h\u013eadaj\u00fa alternat\u00edvne cesty ku kapit\u00e1lu, pre investorov v\u0161etk\u00fdch kateg\u00f3ri\u00ed, ktor\u00ed m\u00f4\u017eu investova\u0165 v celej \u00danii pod\u013ea jednotn\u00fdch pravidiel, a pre crowdfundingov\u00e9 platformy, ktor\u00e9 m\u00f4\u017eu p\u00f4sobi\u0165 na celom trhu E\u00da, nielen na svojom dom\u00e1com trhu.<\/p>\n\n\n\nPre\u010do je regul\u00e1cia d\u00f4le\u017eit\u00e1?<\/h2>\n\n\n\n
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<\/figure>\n\n\n\n
Ochr\u00e1ni investorov<\/h2>\n\n\n\n
Zn\u00ed\u017ei riziko podvodov<\/h2>\n\n\n\n
Stabilizuje trh<\/h2>\n\n\n\n
Zv\u00fd\u0161i kredibilitu<\/h2>\n\n\n\n
Zjednodu\u0161\u00ed financovanie<\/h2>\n\n\n\n