{"id":18533,"date":"2015-06-19T08:50:19","date_gmt":"2015-06-19T06:50:19","guid":{"rendered":"http:\/\/visionarymarketing.fr\/blog\/?p=18533"},"modified":"2023-05-26T06:11:24","modified_gmt":"2023-05-26T04:11:24","slug":"crowdfunding-france-croissance","status":"publish","type":"post","link":"https:\/\/visionarymarketing.com\/fr\/2015\/06\/19\/crowdfunding-france-croissance\/","title":{"rendered":"Crowdfunding en France : d\u00e9j\u00e0 100% de croissance en 2014"},"content":{"rendered":"<p><em>Le financement participatif, <a href=\"https:\/\/en.wikipedia.org\/wiki\/Crowdfunding\" target=\"_blank\" rel=\"noopener noreferrer\">Crowdfunding<\/a> en anglais, est une pratique qui consiste \u00e0 investir, ou faire don de la somme que l&rsquo;on veut \u00e0 une association ou une entreprise. Le crowdfunding est une pratique qui s&rsquo;effectuait d\u00e9j\u00e0 avant l&rsquo;Internet. Cependant, l&rsquo;essor d&rsquo;Internet a provoqu\u00e9 le d\u00e9veloppement de plateformes sp\u00e9cialis\u00e9es dans le financement participatif, qui voit son nombre de collaborateurs augmenter significativement d&rsquo;ann\u00e9es en ann\u00e9es. C&rsquo;est \u00e0 ce sujet que nous avons interview\u00e9\u00a0<a href=\"https:\/\/fr.linkedin.com\/in\/ronygermon\" target=\"_blank\" rel=\"noopener noreferrer\">Rony GERMON<\/a>, Co-auteur du livre <a href=\"http:\/\/www.amazon.fr\/gp\/product\/272988663X\/ref=pd_lpo_sbs_dp_ss_2?pf_rd_p=556244447&amp;pf_rd_s=lpo-top-stripe&amp;pf_rd_t=201&amp;pf_rd_i=2916571892&amp;pf_rd_m=A1X6FK5RDHNB96&amp;pf_rd_r=1AGA8BKTNDQK494M6NHN\" target=\"_blank\" rel=\"noopener noreferrer\">Le crowdfunding : les cl\u00e9s du financement participatif<\/a>.<\/em><\/p>\n<h2><strong>Le crowdfunding n\u2019est pas un ph\u00e9nom\u00e8ne r\u00e9cent malgr\u00e9 ce que l\u2019on peut penser<\/strong><\/h2>\n<p><a href=\"http:\/\/www.amazon.fr\/gp\/product\/272988663X\/ref=pd_lpo_sbs_dp_ss_2?pf_rd_p=556244447&amp;pf_rd_s=lpo-top-stripe&amp;pf_rd_t=201&amp;pf_rd_i=2916571892&amp;pf_rd_m=A1X6FK5RDHNB96&amp;pf_rd_r=1AGA8BKTNDQK494M6NHN\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignright wp-image-18569 size-medium\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/41noz5azyCL._SY344_BO1204203200_-220x300.jpg\" alt=\"crowdfunding les cl\u00e9s du financement participatif\" width=\"220\" height=\"300\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/41noz5azyCL._SY344_BO1204203200_-220x300.jpg 220w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/41noz5azyCL._SY344_BO1204203200_.jpg 254w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/><\/a>En effet, le crowdfunding n\u2019est pas un ph\u00e9nom\u00e8ne r\u00e9cent. Prenons l\u2019exemple du financement du pi\u00e9destal de la Statue de la Libert\u00e9, si la statue en elle-m\u00eame est un cadeau de la France aux Etats-Unis, le pi\u00e9destal \u00a0a \u00e9t\u00e9 financ\u00e9 via une forme de crowdfunding.<\/p>\n<p>De fa\u00e7on plus r\u00e9cente, le crowdfunding a \u00e9t\u00e9 utilis\u00e9 comme mode de financement de la premi\u00e8re campagne de Barack Obama \u00e0 la pr\u00e9sidence des Etats-Unis.<\/p>\n<h2><strong>Internet a jou\u00e9 un r\u00f4le important dans le d\u00e9veloppement du Crowdfunding<\/strong><\/h2>\n<p>L\u2019atout fabuleux d\u2019Internet, c\u2019est de jouer le r\u00f4le d\u2019une \u00e9norme caisse de r\u00e9sonnance capable de f\u00e9d\u00e9rer une masse importante de foule (crowd) pour financer (funding) des projets de toutes natures.<\/p>\n<figure id=\"attachment_18551\" aria-describedby=\"caption-attachment-18551\" style=\"width: 540px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/financement-participatif.jpg\"><img decoding=\"async\" class=\"wp-image-18551 size-large\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/financement-participatif-1024x678.jpg\" alt=\"Internet permet au Crowdfunding ou financement participatif d'\u00e9voluer et donc de sortir de l'ombre.\" width=\"540\" height=\"358\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/financement-participatif-1024x678.jpg 1024w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2015\/06\/financement-participatif-300x199.jpg 300w\" sizes=\"(max-width: 540px) 100vw, 540px\" \/><\/a><figcaption id=\"caption-attachment-18551\" class=\"wp-caption-text\">Internet permet au Crowdfunding ou financement participatif d&rsquo;\u00e9voluer et donc de sortir de l&rsquo;ombre.<\/figcaption><\/figure>\n<h2><strong>Quelle est l\u2019ampleur du crowdfunding en France\u00a0? Avez-vous des chiffres\u00a0?<\/strong><strong>\u00a0<\/strong><\/h2>\n<p>Si on se base sur les chiffres donn\u00e9s par <a href=\"http:\/\/financeparticipative.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">Finance Participative France<\/a> (l\u2019association national qui regroupe l\u2019ensemble des plateformes de crowdfunding agissant sur le territoire) sur l\u2019ann\u00e9e 2014, nous pouvons observer qu\u2019il y a <strong><a href=\"http:\/\/www.amazon.fr\/gp\/product\/272988663X\/ref=pd_lpo_sbs_dp_ss_2?pf_rd_p=556244447&amp;pf_rd_s=lpo-top-stripe&amp;pf_rd_t=201&amp;pf_rd_i=2916571892&amp;pf_rd_m=A1X6FK5RDHNB96&amp;pf_rd_r=1AGA8BKTNDQK494M6NHN\">plus de 152 millions d\u2019euros qui ont \u00e9t\u00e9 pr\u00eat\u00e9s via le crowdfunding<\/a><\/strong>. Soit presque deux fois le chiffre de 2013 \u00e0 savoir\u00a078 millions d&rsquo;euros pr\u00eat\u00e9s gr\u00e2ce \u00e0 cette forme de financement.\u00a0La\u00a0croissance est donc cons\u00e9quente et rapide. Si nous revenons quelques ann\u00e9es en arri\u00e8re, en 2011, il n\u2019y avait que <strong>11 millions d\u2019euros financ\u00e9s gr\u00e2ce au crowdfunding<\/strong>.<\/p>\n<p><center><\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/lxxeXWkXDHc\" width=\"640\" height=\"360\" frameborder=\"0\"><\/iframe><\/p>\n<p><\/center><\/p>\n<h2><strong>Combien y a-t-il de contributeurs\u00a0? <\/strong><\/h2>\n<p><!--more--><\/p>\n<p>Pour l\u2019ann\u00e9e 2014,\u00a0 1,3 millions de personnes ont pr\u00eat\u00e9s, donn\u00e9s, ou investis de l\u2019argent gr\u00e2ce au crowdfunding.<\/p>\n<h2><strong>Quel est l\u2019investissement moyen\u00a0?<\/strong><\/h2>\n<p>L\u2019investissement moyen va d\u00e9pendre de la forme de crowdfunding. En 2014, l\u2019investissement moyen \u00e9tait de 60 euros pour le don, 561 euros pour le pr\u00eat, et 4,470 euros pour l\u2019investissement capital.<strong>\u00a0<\/strong><\/p>\n<h2><strong>Quelles sont les diff\u00e9rentes formes de financement\u00a0? <\/strong><\/h2>\n<p>Il y a 4 grandes cat\u00e9gories de crowdfunding : \u00a0Nous avons le <strong>don<\/strong>, la forme de financement la plus courante (\u0153uvres caritatives, de solidarit\u00e9). Vient ensuite la <strong>contrepartie<\/strong>, la plateforme la plus connue et qui a d\u00e9mocratis\u00e9e le ph\u00e9nom\u00e8ne en France est <a href=\"https:\/\/www.kickstarter.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">KickStarter<\/a>. Puis, il y a <strong>l\u2019investissement<\/strong> dans les entreprises, comme <a href=\"https:\/\/www.anaxago.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Anaxago<\/a>. Derni\u00e8re forme, le <strong>pr\u00eat<\/strong>, et l\u00e0 on a not\u00e9 il y a peu de temps, l\u2019introduction en bourse du leader am\u00e9ricain du pr\u00eat sous forme de crowdfunding, <a href=\"https:\/\/web.archive.org\/web\/20230423093157\/https:\/\/www.lendingclub.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lending Club<\/a>. M\u00eame si il y a ses 4 formes de crowdfunding, il y a un ph\u00e9nom\u00e8ne de fertilisation crois\u00e9e qui fait que l&rsquo;on pourra avoir des m\u00e9langes de ses formes de crowdfunding.<\/p>\n<h2><strong>Nous pouvons aussi remarquer une sp\u00e9cialisation des plateformes dans plusieurs niches<\/strong><\/h2>\n<p>En effet, face au grande plateforme g\u00e9n\u00e9raliste de crowdfunding, nous observons de plus en plus de plateformes qui vont s\u2019implanter sur des secteurs de niches.<\/p>\n<p>Par exemple, <a href=\"http:\/\/www.touscoprod.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Touscoprod<\/a> pour le cin\u00e9ma. Des plateformes qui seront d\u00e9di\u00e9es \u00e0 la bande-dessin\u00e9e, d\u2019autres seront d\u00e9di\u00e9s \u00e0 la mode. D\u2019autres comme <a href=\"https:\/\/www.miimosa.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Miimosa<\/a>, seront d\u00e9di\u00e9es au milieu agricole. Il y a\u00a0de plus en plus de type de plateformes.<\/p>\n<h2><strong>Avez-vous des exemples d\u2019entreprises ou de services qui ont grandi gr\u00e2ce au crowdfunding\u00a0?<\/strong><\/h2>\n<p>Nous avons\u00a0des exemples de succ\u00e8s. Par exemple, <a href=\"http:\/\/formlabs.com\/fr\/\" target=\"_blank\" rel=\"noopener noreferrer\">FormLabs<\/a> qui produit un type particulier d\u2019imprimante 3D. Nous avons\u00a0<a href=\"https:\/\/www.meta.com\/fr\/en\/quest\/products\/quest-2\/\" target=\"_blank\" rel=\"noopener noreferrer\">l\u2019OculusRift<\/a> qui a \u00e9t\u00e9\u00a0<a href=\"http:\/\/www.numerama.com\/magazine\/30069-oculus-rift-facebook-a-finalise-l-achat-d-oculus-vr.html\" target=\"_blank\" rel=\"noopener noreferrer\">rachet\u00e9 par Facebook<\/a>. On a \u00e9galement <a href=\"https:\/\/www.apple.com\/apple-pay\/\" target=\"_blank\" rel=\"noopener noreferrer\">l\u2019Apple Pay<\/a>\u00a0qui fait partie des premi\u00e8res montres connect\u00e9es. Tous ses exemples sont des exemples d\u2019entreprises qui ont r\u00e9ussis gr\u00e2ce au crowdfunding.<\/p>\n<h2><strong>Ce sont des exemples qui font r\u00eaver mais la plupart des financements se soldent par des \u00e9checs finalement<\/strong><\/h2>\n<p>Il ne faut pas oublier qu\u2019un investissement dans le crowdfunding, c\u2019est un pari sur l\u2019avenir. Comme aucun n&rsquo;est\u00a0<a href=\"https:\/\/fr.wikipedia.org\/wiki\/Madame_Irma_(film)\" target=\"_blank\" rel=\"noopener noreferrer\">\u00ab\u00a0Madame Irma\u00a0\u00bb<\/a>, ce pari sur l\u2019avenir peut \u00e0 la fois \u00eatre une r\u00e9ussite ou un \u00e9chec. Nous connaissons des entreprises qui ont lanc\u00e9s des produits qui ont \u00e9t\u00e9 des flop, comme <a href=\"https:\/\/www.aruco.com\/tag\/bague-connectee\/\" target=\"_blank\" rel=\"noopener noreferrer\">la bague connect\u00e9e<\/a>. Puis nous avons des entreprises qui ont d\u00fb subir, compte-tenu des d\u00e9lais de livraison largement d\u00e9pass\u00e9, des critiques de leurs premi\u00e8res bases de financeurs. FormsLab a \u00e9t\u00e9 dans ce cas l\u00e0. Nous avons aussi l\u2019exemple de <a href=\"https:\/\/web.archive.org\/web\/20200424075407\/http:\/\/meetlima.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lima<\/a>, qui sont des exemples de campagnes qui ont pris du temps pour livrer le produit final.<\/p>\n<h2><strong>Pour limiter les \u00e9checs, existe t-il une loi sur le Crowdfunding\u00a0? <\/strong><\/h2>\n<p>La France a \u00e9t\u00e9 pionni\u00e8re en terme de l\u00e9gislation sur le crowdfunding. <span class=\"removed_link\" title=\"http:\/\/www.leguideducrowdfunding.com\/a-savoir-mode-d-emploi\/focus-sur-la-reglementation-actuelle-et-future\/\">Il existe une loi qui aide les entreprises du secteur \u00e0 se d\u00e9velopper, mais \u00e9galement, qui prot\u00e8ge les investisseurs<\/span>.\u00a0A travers cette loi, elle a cr\u00e9e le statut de conseiller en investissement participatif mais aussi\u00a0 celui d\u2019interm\u00e9diaire dans l\u2019investissement participatif. L\u2019un concernant les plateformes, l\u2019autre, l\u2019individu.<\/p>\n<p>Puis, elle a cr\u00e9e des paliers pour <a href=\"https:\/\/web.archive.org\/web\/20150623011137\/https:\/\/www.smartangels.fr\/crowdfunding\/equity\" target=\"_blank\" rel=\"noopener noreferrer\">le crowdfunding sous forme Equity<\/a>. <strong>Une m\u00eame personne ne peut pas pr\u00eater plus\u00a0de 1.000 euros pour un m\u00eame projet sous forme de crowdfunding Equity<\/strong>. De m\u00eame, <strong>une entreprise ne peut pas lever plus d\u20191 million d\u2019euros par an sous forme de crowdfunding<\/strong>.\u00a0Cependant, quand nous observons ce qui se passe aux Etats unis o\u00f9 le job-act fixait aussi un\u00a0seuil de pr\u00eat similaire, on peut esp\u00e9rer qu\u2019en France aussi, cette limite pourra \u00eatre lev\u00e9e.<\/p>\n<h2><strong>Si on r\u00e9ussit \u00e0 augmenter ces plafonds, le crowdfunding remplacera t-il le pr\u00eat bancaire\u00a0?<\/strong><\/h2>\n<p>Personnellement, je ne le pense pas. Le crowdfunding va modifier les relations que la banque a avec ses clients, qu\u2019ils soient particuliers ou professionnels. Tout simplement car le crowdfunding r\u00e9pond \u00e0 une demande, donner du sens \u00e0 leurs investissements. Cela\u00a0peut \u00eatre un v\u00e9hicule financier pour f\u00e9d\u00e9rer l\u2019\u00e9pargne des clients pour l\u2019investir dans des projets d\u2019\u00e9conomie r\u00e9elle, des projets cens\u00e9s. Mais \u00e9galement, dans le financement de cr\u00e9ation d\u2019entreprise, puisqu\u2019\u00e0 travers les pr\u00eats, on permet de ventiler le risque.<\/p>\n<p><strong>L\u2019avantage du crowdfunding, c\u2019est que la premi\u00e8re base de financeurs permet de pr\u00e9financer le lancement d\u2019une activit\u00e9 mais \u00e9galement de la tester concr\u00e8tement sur un march\u00e9<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le financement participatif, Crowdfunding en anglais, est une pratique qui consiste \u00e0 investir, ou faire don de la somme que l&rsquo;on veut \u00e0 une association ou une entreprise. Le crowdfunding est une pratique qui s&rsquo;effectuait d\u00e9j\u00e0 avant l&rsquo;Internet. Cependant, l&rsquo;essor d&rsquo;Internet a provoqu\u00e9 le d\u00e9veloppement de plateformes sp\u00e9cialis\u00e9es dans le financement participatif, qui voit son &hellip;<\/p>\n","protected":false},"author":33,"featured_media":34061,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1613],"tags":[],"class_list":["post-18533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marketing-digital-marketing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crowdfunding en France : d\u00e9j\u00e0 100% de croissance en 2014<\/title>\n<meta name=\"description\" content=\"Le financement participatif ou Crowdfunding pr\u00e9existait Internet. 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