我国众筹融资的风险及其防范研究分析 财务管理专业VIP专享VIP免费

我国众筹融资的风险及其防范研究摘要在互联网高速发展的背景下，互联网金融也得到了快速的发展。互联网的发展伴随而来的是众筹融资的衍生，目前众筹融资在我国还处于发展初期，虽然政府积极出台相关管理办法对众筹行业进行规范，但仍然存在诸多风险。论文研究主要对互联网金融新兴的众筹融资模式进行研究，从技术风险、法律风险、监管风险、管理风险、信用风险五个方面进行分析，并对此提出了风险防范和应对措施，促进以众筹为代表的互联网金融的健康发展。关键词：众筹融资；风险防范；互联网金融ABSTRACTInthecontextoftherapiddevelopmentoftheInternet，Internetfinancehasalsodevelopedrapidly.ThedevelopmentoftheInternetisaccompaniedbythederivationofcrowdfinancing.Atpresent，CrowdfinancingisstillintheearlystageofdevelopmentinChina.Althoughthegovernmentactivelypromulgatesrelevantmanagementmeasurestoregulatecrowdfinancingindustry，therearestillmanyrisks.ThispapermainlystudiestheemergingcrowdfinancingmodeofInternetfinance，andanalysesitfromfiveaspects:technicalrisk,legalrisk,regulatoryrisk,managementriskandcreditrisk.ItalsoputsforwardriskpreventionandresponsemeasurestopromotethehealthydevelopmentofInternetFinancerepresentedbycrowdfinancing.Keywords:Crowdfinancing;RiskPrevention;Onlinefinance目录1众筹融资的发展现状............................................................................................12众筹融资存在的风险............................................................................................22.1技术风险.............................................................................................................22.2法律风险.............................................................................................................22.3监管风险.............................................................................................................22.4管理风险.............................................................................................................32.5信用风险.............................................................................................................32.5.1从筹资者角度分析..........................................................................................32.5.2从众筹平台角度分析......................................................................................33对众筹融资的风险控制和监管的相关建议........................................................33.1促进自身技术的发展以减少技术风险的产生.................................................33.1.1努力推出较完善的产品，努力提高项目技术..............................................33.2.2增强网站的建设，减少更多的漏洞..............................................................43.2完善法律法规以规避可能产生的法律风险.....................................................43.2.1深入调查，加快立法速度..............................................................................43.2.2建立适时的法律法规，减少众筹市场的法律风险......................................43.3从政府、群众及网站建设三方面加强监管水平.............................................43.3.1加强政府监管..................................................................................................43.3.2加强众筹平台监管..........................................................................................43.3.3加强独立于筹资方和众筹平台的第三方监管..............................................43.4.注重人才培养，提高管理层水平..................