本文關(guān)鍵詞：“大家投”眾籌平臺(tái)融資風(fēng)險(xiǎn)評(píng)價(jià)與防范研究　出處：《青島科技大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 眾籌平臺(tái) 風(fēng)險(xiǎn)評(píng)價(jià) 操作風(fēng)險(xiǎn) 信用風(fēng)險(xiǎn)

【摘要】：近年來,互聯(lián)網(wǎng)金融快速發(fā)展。眾籌作為一種具有低門檻、受眾廣、注重創(chuàng)新等特點(diǎn)的新型互聯(lián)網(wǎng)金融模式,在我國(guó)雖然起步較晚,但是發(fā)展十分迅速。股權(quán)眾籌的出現(xiàn),為解決大量民間資本缺少融資渠道以及小微企業(yè)融資困難等問題提供了新的渠道,將逐步成為促進(jìn)小微初創(chuàng)企業(yè)融資和發(fā)展的新興動(dòng)力,成為我國(guó)多層次資本市場(chǎng)的重要補(bǔ)充。眾籌有別于傳統(tǒng)融資模式,能夠引導(dǎo)資金在創(chuàng)新、創(chuàng)意方面的流向起到了極大促進(jìn)作用,也為創(chuàng)造就業(yè)提供了平臺(tái)和空間。本研究通過對(duì)眾籌融資理論的梳理,更為全面的認(rèn)識(shí)和分析眾籌融資業(yè)務(wù)的風(fēng)險(xiǎn),對(duì)比其它融資方式,借鑒其他融資方式的優(yōu)勢(shì),詳細(xì)闡述“大家投”眾籌平臺(tái)的發(fā)展歷程,以及業(yè)務(wù)流程,并對(duì)相關(guān)的業(yè)務(wù)流程進(jìn)行風(fēng)險(xiǎn)識(shí)別。同時(shí)對(duì)“大家投”平臺(tái)流程中的風(fēng)險(xiǎn)進(jìn)行歸類,主要分為操作風(fēng)險(xiǎn)、技術(shù)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、業(yè)務(wù)運(yùn)營(yíng)風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)以及其他風(fēng)險(xiǎn),通AHP層次分析法對(duì)不同風(fēng)險(xiǎn)進(jìn)行評(píng)價(jià),構(gòu)建了發(fā)起人眾籌融資風(fēng)險(xiǎn)的風(fēng)險(xiǎn)指標(biāo)層次結(jié)構(gòu)模型,然后運(yùn)用層次分析法確定各風(fēng)險(xiǎn)因素對(duì)上一層級(jí)風(fēng)險(xiǎn)因素的權(quán)重,再借助模糊數(shù)學(xué)綜合評(píng)價(jià)法對(duì)“大家投”眾籌融資平臺(tái)的整體風(fēng)險(xiǎn)作出評(píng)價(jià),最后做出模型評(píng)價(jià),認(rèn)定“大家投”平臺(tái)存在較高的風(fēng)險(xiǎn)。為此本文針對(duì)所存在的問題以及相關(guān)風(fēng)險(xiǎn),從法制建設(shè)、業(yè)務(wù)操作風(fēng)險(xiǎn)防范、信用體系構(gòu)建、眾籌平臺(tái)技術(shù)完善以及加強(qiáng)監(jiān)督體制來對(duì)“大家投”風(fēng)險(xiǎn)進(jìn)行有效防范。
[Abstract]:In recent years, the rapid development of Internet banking. To raise the public as a low threshold, wide audience, new Internet financial innovation mode etc., in China started late, but developed rapidly. There to raise public equity, provides a new way for the solution of a large number of private capital and lack of financing channels of small and micro enterprise financing difficulties, will gradually become the emerging power to promote the financing of small and micro development and start-ups, become an important supplement to the multi-level capital market in China. The congregation is different from the traditional mode of financing, to guide capital in innovation, creative direction has played a great role in promoting, but also provides a platform and space in order to create employment. Through the research of financing theories, the risk of a more comprehensive understanding and analysis of public financing business, compared to other means of financing, financing and other To discuss the "development potential, we voted platform to raise the public, and business processes, and the risk identification of related business processes. At the same time, we voted platform in the process of risk classification, mainly divided into operational risk, technology risk, credit risk, business operation risk, legal risk and other the risk through the AHP analytic hierarchy process to evaluate the different risk, build the risk index hierarchy structure model of the promoters to raise public financing risk, and then use the AHP method to determine the risk factors for a level of the weight of risk factor, then using fuzzy comprehensive evaluation method of the overall risk of people voted to raise public financing an evaluation of the platform, and finally make the evaluation model, that we voted platform has higher risk. This paper aiming at the existing problems and related risks, from the legal system construction, business operation Risk prevention, credit system construction, public platform technology improvement, and strengthening supervision system to effectively prevent the risk of "everyone investing".

【學(xué)位授予單位】：青島科技大學(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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