Propuesta de normativa para fondos colaborativos en Ecuador.

Abstract

Crowdfunding is a digital financing alternative through platforms that put debtors in contact with investors without the need to capture deposits, which is exclusive to traditional financial institutions. In this work, reforms to the Organic Law of Entrepreneurship and Innovation, the Organic Monetary and Financial Code and the Codification of Regulations of the Financial Policy and Regulation Board are proposed, in such a way that crowdfunding constitutes an effective tool to facilitate the financing of projects with a reasonable risk and cost, both for the investor and for the project promoter. The importance of having regulation adjusted to reality allows the population access to safe, easy and convenient sources of financing, which are currently restrictive for some segments, either due to regulatory limitations or due to the high cost of financing. In the present work, regulatory changes are proposed so that these platforms contribute effectively to the development of the country's economy.