An overview of Fintech applications to solve the puzzle of health care funding:state-of-the-art in medical crowdfunding  

作　　者：Laura Grassi Simone Fantaccini 

机构地区：[1]School of Management,Politecnico di Milano,Milan,Italy

出　　处：《Financial Innovation》2022年第1期2262-2288,共27页金融创新（英文）

摘　　要：Crowdfunding is emerging as an alternative form of funding for medical purposes,with capital being raised directly from a broader and more diverse audience of investors.In this paper,we have systematically researched and reviewed the literature on medical crowdfunding to determine how crowdfunding connects with the health care industry.The health care industry has been struggling to develop sustainable research and business models for economic systems and investors alike,especially in pharmaceuticals.The research results have revealed a wealth of evidence concerning the way crowdfunding is applied in real life.Patients and caregivers utilize web platform–based campaigns all over the world to fund their medical expenses,generally on a spot basis,using donation-based or even reward-based schemes,regardless of the health care system archetype(public,private insurance-based or hybrid).Academics have also focused on funding campaigns and the predictors of success(which range from social behaviour and environment to the basic demographics of the campaigners and their diseases)and on social and regulatory concerns,including heightened social inequality and stigma.While equity crowdfunding is disrupting the way many ventures/businesses seek capital in the market,our research indicates that there are no relevant or consistent data on the practice of medical equity crowdfunding in health care,apart from a few anecdotal cases.

关 键 词：CROWDFUNDING Health crowdfunding Pharma Healthtech R&D funding Fintech Medtech 

分 类 号：F832[经济管理—金融学]