If the craze of insurers is therefore real and exponential, it in no way mitigates the danger inherent in this new liberated economy: the investor or the lender takes his risk at 100%. In the event of bankruptcy, no guarantee! “Especially for equity which constitutes an illiquid investment. The investor can lose everything, ”adds Grégoire Dupont, secretary general of Orias. In the loan, Unilend, which makes an offer every 2 minutes, however, recorded only 2% of payment incidents on 119 projects funded last year. For Nicolas Lesur, the key lies in “Diversification, before the selection. You have to lend to at least 69 projects to benefit from an average rate of return net of default of 5.40% ”. His equation proceeds from the deduction of the cost of risk, estimated according to him at 3.40%, from the rate of return of 8.84%. In case of P2P review on Mintos also you can find the easy way.
Same logic in equity
“In return for a high risk, you can, on certain investments, multiply your stake by 3,4,5 or even more in a few years, which can make returns of several tens of percent. On the other hand, you have to diversify well by investing in several companies,” explains Benoît Bazzocchi. Crowdfunding, today, is therefore the kingdom of self-insurance. “Insuring the funds is the subject” points Grégoire Dupont. “There is a boulevard for creative damage insurers! Adds Nicolas Lesur, who awaits, after having financed 240 projects, new hedges to reduce the risk of default. “We are young and the actuaries do not have enough perspective, except that the places are to be taken now. In a year, it will be too late.” Following these examples you can also know how to use Grupeer lending platform.
Proof of the need to reassure lenders, some online sites pay disability death insurance on the head of the manager. A product built from scratch with Gras Savoye . At Maif , the manager of the collaborative economy and emerging practices, Thomas Ollivier, says he is ready to create “lender insurance” if “start-ups ask us to do so”. Going into this ultimate area of insurance, however, seems unrealistic for Bernard Pouy, of Groupama Banque, who is not in favor of “all-risk insurance and certainly not that of default.” Complicated, in fact, to enter a very open world aspiring to be 100% protected.
At a time when teamwork, collective intelligence and collaborative project work are anchored in the world of work, as the ideas of collective citizens, fablabs and exchanges of knowledge develop, what happens? does he at school? How is cooperation envisaged? How are students’ skills to cooperate worked?
Many people learn better
“We must develop collective intelligence in classrooms to make students succeed better”; “The basis of socioconstructivism is peer learning”: so many sentences which are widely accepted in the world of education, which seem obvious since they correspond to everyday educational contexts, but which are not or no more really questioned. Certainly, whether for learning objectives, for the development of social skills with a view to improving a classroom climate, or to foster citizen debate, the use of work in groups of students is a common educational method. in education.