問12
頻出度★★☆
クラウドファンディングは, 資金提供の形態や対価の受領の仕方の違いによって, 貸付型, 寄付型, 購入型, 投資型などの種類に分けられる。A社は新規事業の資金調達を行うために, クラウドファンディングを通じて資金提供者と匿名組合契約を締結し, 利益の一部を配当金として資金提供者に支払うことにした。A社が利用したクラウドファンディングの種類として, 最も適切なものはどれか。
令和4年度 ITパスポート試験 問12
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 12
Incorrectア
In the lending type, fund providers “lend” money to the business operator and receive repayment of the principal plus interest (also called loan-based or social lending). The return is interest, not dividends based on profits. This differs from the profit sharing under the silent partnership contract in this question, so it is incorrect.
Incorrectイ
In the donation type, fund providers seek no monetary return (compensation) and provide funds purely as a donation. This does not match this question, which pays economic returns such as dividends, so it is incorrect.
Incorrectウ
In the purchase type, fund providers receive completed goods or services (products or rights) as compensation. What they receive is products and the like, not dividends of profits, so it does not match this question and is incorrect.
- エ
正解 The correct answer is エ “Investment-based crowdfunding.” In the investment type, fund providers invest in a business and, in return, receive a share of the profits generated by the business (dividends). In this question, Company A enters into a “silent partnership contract” with the fund providers and “pays part of the profits as dividends.” A silent partnership contract is a mechanism in which investors invest in a business and receive a share of the profits, which is exactly the typical contract form of the investment type. Therefore, エ is the most appropriate.
ここがポイント
- Crowdfunding is divided into four types by how the return is received: lending = interest, donation = no return, purchase = goods/services, investment = dividends of profits.
- The mechanism of entering into a “silent partnership contract” and paying “part of the profits as dividends” is typical of the investment type; identifying the type from the contract form and the return is the key point of this question.
用語