摘 要本文开篇对互联网金融的概念和模式进行介绍和梳理，其中主要对以下四种互联网融资方式进行简要阐述，分别是众筹融资、P2P 融资、电商大数据融资和互联网金融门户融资。随后，以世茂集团为研究对象，从该集团的实际发展情况出发，对世茂集团在互联网金融时代下融资方式的运用进行分析，其中分析了该集团采用众筹融资的融资项目、项目要素和融资结果及采用 P2P 融资的融资项目、流程及结果。在此基础上，表明该集团在互联网融资上面临三个潜在风险：一是信用风险，互联网金融的虚拟性和监管体系的缺失，加大了交易主体间的信用风险；二是政策及法律风险，政策及法律的高度不确定性，金融、互联网和房地产三大行业的叠加导致风险的叠加，最终将引发更严重的政策风险；三是信息安全风险，互联网在给人们带来便利的同时，影响更广、更深的信息安全风险也随之而来，包括数据信息安全、病毒与协议安全和黑客攻击等方面的风险。最后，针对这些问题，本文分别从加强信用管理机制以提高信用评级、提高对政策的敏锐度、提高信息化的管理水平及应对能力及提高对互联网融资风险的应对能力四个方面提出建议。关键词：世茂集团 互联网金融 融资方式 AbstractAt the beginning of this paper, the concept and mode of Internet finance are introduced and sorted out, including the following four Internet financing modes, namely crowd financing, P2P financing, e-commerce big data financing and Internet Finance Portal financing. Then, taking Shimao Group as the research object, starting from the actual development of the group, this paper analyzes the application of financing methods of Shimao Group in the Internet Finance era, including the financing projects, project elements and financing results of the group adopting crowdfunding, and the financing projects, processes and results of adopting P2P financing. On this basis, it shows that the group is faced with three potential risks in Internet financing: first, credit risk, the virtual nature of Internet Finance and the lack of regulatory system increase the credit risk among transa...
