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The revolution in financial technology (FinTech) has created many
advancements in the lending and investment space across the
world. Law and Practice of Crowdfunding and Peer-to-Peer
Lending in Australia, China, and Japan is a timely publication as
FinTech grows up and moved into the mainstream of finance in the
last decade. Financial services is a highly regulated industry as
it is the lifeblood of a modern economy. Pelma Rajapakse, Hatsuru
Morita, and Yinxu Huang have done very solid work blazing a new
trail in what is a new industry and how to regulate it properly
instead of stifling innovation. They have carried out a deep
exploration and a thorough compilation of research that will bring
everyone up to date on what Australia, China, and Japan are
planning and doing in the field of crowdfunding and peer-to-peer
lending. In addition to peer-to-peer lending, the book focuses on
laws and practices related to Central Bank digital currencies,
cryptocurrency, Bitcoin, and Initial Coin Offerings (ICOs) which is
very meaningful and forward-looking.  The authors
presented their thoughts in such clarity that, even those who lack
familiarity with Asia-Pacific, will see how FinTech was growing in
various ways driven by different factors. For example, peer-to-peer
lending in Japan is mostly for small and medium enterprises. It was
popular in China but cracked down by the authorities for a few
years. It provides an alternative fundraising channel for the
capital market in Australia. We also see a set of regulatory
approaches among jurisdictions. Some countries draft new
regulations, while others amend existing laws. The mechanism of the
regulatory sandbox was introduced. As we know, one size does not
fit all. What kind of best practices or lessons learned can we
apply to our own jurisdiction? This book covers all available
answers to date. This volume speaks highly of the quality and
foresight of Pelma Rajapakse and her co-authors.
This book evaluates key commercial law aspects of the relevant law
and legislation governing residential mortgage-backed securities
(RMBSs) in Australia from a legal perspective. Within the context
of a "public benefit test" framework, the book seeks to critically
evaluate the impact and effectiveness of current law and regulation
governing RMBSs. There is a dearth of both academic and practical
literature on the legal and regulatory issues surrounding RMBSs in
Australia. The book aims to make a contribution to the formulation
of law and public policy by suggesting a number of reforms to the
current law and practice surrounding RMBSs in Australia. In part,
these suggested reforms will be based on the lessons learned from
the experiences of overseas jurisdictions such as Canada, the U.K,
and the United States.
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