Crowdfunding is a neat idea: instead of lending the bank your money for 0.01 per cent interest, and the bank lending it to companies at 5.5 per cent, you fund the company directly.  Online crowdfunding platforms bring companies and savers together, and do all the software bits to make it work. And this week, the Central Bank of Ireland announced its intention to regulate it.  There are two types of crowdfunding: peer-to-peer lending, and equity crowdfunding. They are very different propositions. Peer-to-peer lending is the more solid of the two. With peer-to-peer lending, companies are separated into different baskets based…

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