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论文编号：	11770
作者编号：	2120152634
上传时间：	2020/6/20 22:41:14
中文题目：	通过互联网众筹模式融资解决科技型小规模企业融资问题的可行性研究
英文题目：	Feasibility Study of Internet Crowdfunding Model Financing to Solve the Financing Problem of Small and Technological Enterprises
指导老师：	王永进
中文关键字：	互联网众筹；科技创新；小规模企业；融资
英文关键字：	internet crowdfunding；scientific and technological innovation；small-scale enterprises；financing
中文摘要：	随着互联网通信与信息技术的不断发展，数字经济的不断深化，全新的金融模式——互联网金融填补了“传统”金融机构所没有的市场空白，在中国金融业处于快速增长的技术前沿。 目前，小规模企业数量众多、涉及行业范围广，在整体的市场经济过程中，无论是在创造就业岗位、供应链环节保障、创造更多民生与科技需求等方面，都发挥着至关重要的作用。但小规模企业在企业经营中还存在抵御企业风险能力差、资金不足、信用状况差、公司治理机制不健全等问题，其所导致的融资困难问题已成为小规模企业发展的主要制约。科技创新型小规模企业面对的融资瓶颈更甚于普通小规模企业。 为解决科技创新型小规模企业融资问题，本文从经济学和金融学的角度分析了当下科技创新型小规模企业的融资困境。首先，科技创新的回报可能不确定，从而使投资于创新对融资资本的风险更大；其次，信息不对称可能使得银行更难重视创新投资；第三，作为研究过程的一部分产生的无形资本不能作为有用的抵押品。因此，科技创新型小规模企业比小规模企业存在更多的融资瓶颈。为了科技创新型小规模企业的发展，急需解决融资问题。然后，本文基于互联网金融新型融资模式，围绕众筹融资模式——股权众筹模式和产品众筹模式，对解决科技创新型小规模企业的融资困难问题进行了研究。并分别以天使汇众筹平台和京东产品众筹平台为例，从准入标准、风险分担、融资成本等方面分析两者的优势与劣势。从产品众筹和股权众筹模式的特点、融资项目产品或服务本身的特点、选择不同模式后不同的工作侧重点等三方面角度，对于科技创新型小规模企业对产品或股权众筹模式的选择提供了建议。最后，本文从国家政策、众筹平台及科技型小规模企业自身角度出发，为众筹融资提供建议。
英文摘要：	With the continuous development of Internet communications and information technology and the continuous deepening of the digital economy, a new financial model, Internet Finance, has intervened in market gaps not found in "traditional" financial institutions, and is at the forefront of rapidly growing technology in China's financial industry. Currently, there are many small businesses covering a wide range of industries. Throughout the market economy process, both have played a vital role in creating job opportunities, protecting supply chain transfers, and increasing demand for people's livelihood and technology. However, there are still problems in the business operations of small enterprises, such as poor ability to withstand risks, insufficient funds, poor credit status, and insufficient corporate governance mechanisms. The financing difficulties they cause have become a major obstacle to the development of small businesses. Innovative small businesses face even more financing than ordinary small businesses. In order to solve the financing problem of small-scale scientific and technological innovation enterprises, this paper analyzes the financing dilemma of small-scale scientific and technological innovation enterprises from the perspective of economics and finance. First, the return of scientific and technological innovation may be uncertain, which makes investment in innovation more risky for financing capital. Second, information asymmetry may make it more difficult for banks to attach importance to innovation investment. Third, intangible capital generated as part of the research process cannot be used as useful collateral. Therefore, there are more financing bottlenecks in small-scale scientific and technological innovation enterprises than in small-scale enterprises. Therefore, in order to the development of small-scale scientific and technological innovation enterprises, it is urgent to solve the financing problem. Then, based on the new financing mode of Internet finance, focusing on the crowdfunding mode equity crowdfunding mode and product crowdfunding mode, this paper studies how to solve the financing difficulties of small-scale scientific and technological innovation enterprises. Then, taking angel crowdfunding platform and JD product crowdfunding platform as examples, the advantages and disadvantages of the two platforms are analyzed from access standards, risk sharing, financing costs and other aspects. From the three aspects of the characteristics of product crowdfunding and equity crowdfunding mode, the characteristics of financing project products or services themselves, and the different focus of work after choosing different modes, this paper provides suggestions for the selection of product or equity crowdfunding mode by small-scale scientific and technological innovation enterprises. Finally, from the perspective of national policy, crowdfunding platform and technology-based small-scale enterprises themselves, this paper provides suggestions for crowdfunding.
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