本文選題：小微企業(yè) + 股權(quán)眾籌��； 參考：《內(nèi)蒙古財經(jīng)大學(xué)》2017年碩士論文

【摘要】：無論是國外還是國內(nèi),小微企業(yè)融資難一直是普遍的問題。小微企業(yè)在我國的數(shù)量龐大占總企業(yè)數(shù)的94%,提供的就業(yè)崗位多,其產(chǎn)生的價值占國內(nèi)生產(chǎn)總值的65%,但它能支配的金融資源卻不足50%,明顯的資源配置不均衡,所以小微企業(yè)需要新的融資方式。伴隨著互聯(lián)網(wǎng)技術(shù)的成熟,特別是網(wǎng)上支付、云計算等的突起,金融業(yè)發(fā)生了翻天覆地的變化�；ヂ�(lián)網(wǎng)金融比傳統(tǒng)金融有成本低、效率高、開放性的優(yōu)勢,使之成為小微企業(yè)融資的一個有利選擇。股權(quán)眾籌作為一種互聯(lián)網(wǎng)金融的新的融資模式在全世界的發(fā)展特別迅速,美國已經(jīng)于2012年出臺了與股權(quán)眾籌相關(guān)的法案,規(guī)定了投資者、發(fā)行者和眾籌平臺的義務(wù),旨在解決美國創(chuàng)業(yè)企業(yè)的融資困境和推動美國經(jīng)濟發(fā)展。我國在2011年第一家眾籌平臺上線后,也相繼推出了關(guān)于股權(quán)眾籌的相關(guān)規(guī)定。據(jù)統(tǒng)計2013年以前眾籌成功籌資金額為3.35億,到2014年增長到21.58億元,2015年眾籌成功籌資金額為114.24億元。事實證明,股權(quán)眾籌深受廣大投資者和籌資者的歡迎,尤其在解決小微企業(yè)融資難的問題上發(fā)揮了顯著的作用。在我國經(jīng)濟處于中高速增長、產(chǎn)業(yè)結(jié)構(gòu)調(diào)整進入攻堅深水區(qū)時,技術(shù)創(chuàng)新將會是新常態(tài)下的新的經(jīng)濟增長點,十八大的會議精神要求我們把大眾創(chuàng)新、萬眾創(chuàng)業(yè)的工作積極地、熱火朝天地開展起來,說明我們黨和國家充分認(rèn)識到創(chuàng)新的重要意義。金融的創(chuàng)新直接關(guān)系到經(jīng)濟的增長,股權(quán)眾籌作為一種制度上的創(chuàng)新,更使得人類進入?yún)f(xié)同共享的社會,對我國經(jīng)濟發(fā)展的作用更是不容忽略。本文旨在為我國小微企業(yè)融資難的問題提供一種新的解決方式,并且全面界定股權(quán)眾籌的概念,包括股權(quán)眾籌的定義、要素、特征、運行模式、融資優(yōu)勢等。在此基礎(chǔ)上收集整理數(shù)據(jù)分析國內(nèi)外眾籌的發(fā)展現(xiàn)狀和法律規(guī)范,進一步對我國眾籌的成功案例進行細致研究,得出股權(quán)眾籌在解決小微企業(yè)融資難問題的優(yōu)勢,并且分析了我國小微企業(yè)股權(quán)眾籌融資所面臨的多種風(fēng)險,進而提出相應(yīng)的風(fēng)險防范策略和政府監(jiān)管建議,實現(xiàn)我國小微企業(yè)能夠通過股權(quán)眾籌徹底解決融資難的問題。
[Abstract]:Whether at home or abroad, small and micro-enterprise financing has been a common problem.The large number of small and micro enterprises in our country accounts for 94% of the total number of enterprises, providing more jobs and generating 65% of the GDP, but it has less than 50% of the financial resources at its disposal, and the allocation of resources is obviously not balanced.So small and micro enterprises need new financing methods.With the maturity of Internet technology, especially online payment, cloud computing and so on, the financial industry has undergone earth-shaking changes.Compared with traditional finance, Internet finance has the advantages of low cost, high efficiency and openness, which makes it a favorable choice for small and micro enterprises.As a new mode of financing for Internet finance, crowdfunding has been developing rapidly all over the world. In 2012, the United States has introduced a bill relating to stock crowdfunding, which sets out the obligations of investors, issuers and crowdfunding platforms.The aim is to solve the financing dilemma of American startups and promote the economic development of the United States.After the first crowdfunding platform was launched in 2011, China has also introduced the relevant provisions on crowdfunding.According to statistics, the amount of successful crowdfunding was 335 million before 2013 and 2.158 billion yuan by 2014, and 11.424 billion yuan in 2015.Equity crowdfunding has proved to be popular among investors and financiers, especially in solving the financing difficulties of small and micro enterprises.When China's economy is growing at a medium and high speed and the adjustment of the industrial structure is entering a tough and deep water area, technological innovation will be a new economic growth point under the new normal state. The spirit of the 18th National Congress requires us to actively promote the work of mass innovation and mass entrepreneurship.The hot development shows that our party and country fully realize the importance of innovation.The innovation of finance is directly related to the economic growth. As a kind of institutional innovation, the stock rights crowdfunding, as a kind of institutional innovation, makes the human beings enter into the society of cooperation and sharing, and the effect on the economic development of our country should not be ignored.The purpose of this paper is to provide a new way to solve the problem of financing difficulties of small and micro enterprises in China, and to define the concept of crowdfunding, including the definition, elements, characteristics, operation mode, financing advantages and so on.On this basis, collect and sort out the data and analyze the development status and legal norms of crowdfunding at home and abroad, and further study the successful cases of crowdfunding in China, and obtain the advantages of crowdfunding in solving the financing difficulties of small and micro enterprises.It also analyzes the various risks faced by public financing of small and micro enterprises in China, and then puts forward corresponding risk prevention strategies and government supervision suggestions, so as to realize that small and micro enterprises in China can thoroughly solve the problem of financing difficulties through stock rights crowdfunding.
【學(xué)位授予單位】：內(nèi)蒙古財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.51;F276.3

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