本文選題：互聯(lián)網(wǎng)眾籌 + 債權(quán)式眾籌��； 參考：《浙江大學(xué)》2017年碩士論文

【摘要】：近年來(lái),互聯(lián)網(wǎng)眾籌成為國(guó)內(nèi)外金融界學(xué)者關(guān)注的熱點(diǎn),也逐漸進(jìn)入到公眾視野并受到很大青睞�；ヂ�(lián)網(wǎng)眾籌從2011年進(jìn)入中國(guó)至今,眾籌平臺(tái)發(fā)展較為迅速,已經(jīng)涌現(xiàn)了一批互聯(lián)網(wǎng)眾籌的優(yōu)秀平臺(tái)和項(xiàng)目。這些平臺(tái)在借鑒國(guó)外運(yùn)作流程的同時(shí)也結(jié)合國(guó)內(nèi)眾籌融資的具體情況,為融資者和投資者之間的資源配置提供更加方便快捷且高效的手段。初創(chuàng)企業(yè)通過(guò)互聯(lián)網(wǎng)眾籌取得啟動(dòng)資金以便迎來(lái)發(fā)展機(jī)會(huì),投資者的閑置資金也能得到充分利用。互聯(lián)網(wǎng)眾籌打破了傳統(tǒng)的融資渠道限制,提高了投融資效率,大大有利于資本市場(chǎng)的發(fā)展。本文通過(guò)研究互聯(lián)網(wǎng)眾籌平臺(tái)的興起、發(fā)展現(xiàn)狀、種類、特點(diǎn)和模式,運(yùn)用具體數(shù)據(jù)全方面地介紹互聯(lián)網(wǎng)眾籌。然后結(jié)合具體案例對(duì)債權(quán)式和股權(quán)式眾籌的運(yùn)營(yíng)模式和風(fēng)險(xiǎn)展開(kāi)深入分析,討論風(fēng)險(xiǎn)的類型及形成的原因等,然后結(jié)合實(shí)際談?wù)摶ヂ?lián)網(wǎng)眾籌平臺(tái)對(duì)其所面臨的風(fēng)險(xiǎn)進(jìn)行有效管理的手段,探索更為合理的風(fēng)險(xiǎn)管理模式。本文還闡述了互聯(lián)網(wǎng)眾籌對(duì)中小初創(chuàng)企業(yè)融資難問(wèn)題的積極意義,由于中小企業(yè)發(fā)展具有很多不確定性,可能隱含較大風(fēng)險(xiǎn),因此不具備獲得銀行貸款的資質(zhì),其發(fā)展遭到了較大的阻礙。正是互聯(lián)網(wǎng)眾籌的出現(xiàn)緩解了這一問(wèn)題,通過(guò)眾籌平臺(tái),審核通過(guò)的中小企業(yè)可以融到發(fā)展所需資金,為自身的發(fā)展提供強(qiáng)有力的資金支持,也對(duì)國(guó)家整體經(jīng)濟(jì)的穩(wěn)定運(yùn)行起到了良好的促進(jìn)作用。本文最后針對(duì)互聯(lián)網(wǎng)眾籌發(fā)展的問(wèn)題提出具體的防范對(duì)策與監(jiān)管建議:(1)建立多部門(mén)協(xié)同監(jiān)管體系;(2)嚴(yán)格規(guī)范市場(chǎng)準(zhǔn)入條件;(3)完善信息披露機(jī)制;(4)完善市場(chǎng)退出機(jī)制;(5)加強(qiáng)行業(yè)自律。
[Abstract]:In recent years, Internet crowdfunding has become the focus of attention of domestic and foreign financial scholars, and has gradually entered the public view and received a great deal of favor.Since Internet crowdfunding entered China in 2011, crowdfunding platform has developed rapidly, and a number of excellent platforms and projects of Internet crowdfunding have emerged.These platforms not only draw lessons from the operation process of foreign countries but also combine the specific situation of domestic crowdfunding to provide a more convenient and efficient means for the allocation of resources between the financiers and investors.Startups use Internet crowdfunding to raise start-up capital to allow for development opportunities, and investors' spare money can be used to the best of their ability.Internet crowdfunding breaks the traditional financing channel restriction, improves the investment and financing efficiency, and greatly benefits the development of the capital market.This paper introduces the Internet crowdfunding by studying the rise of Internet crowdfunding platform, development status, types, characteristics and models, and using specific data to introduce Internet crowdfunding in all aspects.Then combined with specific cases, the operation mode and risk of creditor's rights and equity crowdfunding are analyzed in depth, and the types of risks and the reasons for their formation are discussed.Then it discusses the effective management of the risks faced by the Internet crowdfunding platform and explores a more reasonable risk management model.This paper also expounds the positive significance of Internet crowdfunding to the financing difficulties of small and medium-sized start-up enterprises. Because of the uncertainty in the development of small and medium-sized enterprises, there may be greater risks, so they do not possess the qualification to obtain bank loans.Its development has been greatly hindered.It is the emergence of Internet crowdfunding that alleviates this problem. Through the crowdfunding platform, the medium and small enterprises that have been approved can raise the funds needed for development and provide strong financial support for their own development.It has also played a good role in promoting the stable operation of the country's overall economy.Finally, this paper puts forward specific countermeasures and regulatory suggestions for the development of Internet crowdfunding. (1) establishing a multi-sector cooperative regulatory system, No. 2) strictly standardizing market access conditions and perfecting the information disclosure mechanism. 4) perfecting the market exit mechanism.Strengthen industry self-discipline.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

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