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论文编号：	7761
作者编号：	2120132512
上传时间：	2015/12/4 23:43:51
中文题目：	我国小型企业众筹融资的风险防控研究
英文题目：	Research on Risk Prevention and Control of Crowdfunding of Small Enterprises in China
指导老师：	陈国欣
中文关键字：	小型企业；众筹融资；风险管理
英文关键字：	Key words: small enterprises;crowdfunding;risk management
中文摘要：	时代在发展，科技在进步，金融模式业随之不断发生革新。近年来，众筹融资被越来越多的人认识和熟悉。 2015年下半年，一系列文件的出台，让众筹融资的法律地位不断明晰。9月，李克强总理在国务院常务会议中，明确提出要利用“互联网+”，积极发展四众等新模式，其中就包括众筹。随后，国务院又通过印发文件的方式，明确提出“稳健发展众筹”。至此，众筹融资自2011年登陆中国，在经历了近五年的快速发展与野蛮生长后，终于踏上了规范化、法制化的新舞台。在众筹融资蓬勃发展的过程里，小型企业得以从传统融资的困境中走出来，看到了通过众筹融资获取资金的希望。 然而，小型企业本身具有一系列负面特点，众筹融资也依旧存在诸多不完善的地方，这导致小型企业在众筹融资活动中，会面临一系列的风险。本文从小型企业、众筹融资和风险管理三个内容出发，对小型企业众筹融资进行了概述，使用SWOT分析方法和风险树工具，对小型企业众筹融资的风险进行识别和分析，进而提出一些风险防范的具体措施。 一是通过众筹融资全流程的梳理，从其三个阶段提出一些构想和建议。首先，在筹前阶段，小型企业防范风险的措施包括：提出好的创意想法、做好项目和平台的匹配、确定项目信息三个基本要素、确定项目回报方案、应对平台审核。其次，在筹中阶段，小型企业防范风险的措施包括：要合理控制信息透明度、利用好信息更新与营销推广、要尽可能了解所有支持项目的大众投资人、可以打造内部沟通平台和要做好应对网络安全问题的准备。最后，在筹后阶段，小型企业防范风险的措施包括：应保质保量地按期兑现汇报、要做好筹后客户维系和借助众筹平台尝试服务延伸的力量。 二是在外部环境风险识别的基础上，从三方面提出一些构想与建议。首先，应强化法律法规的细则出台与执行。这包括：从立法转向执法、从指导意见转向实施细则、推动我国知识产权保护。其次，应构建众筹融资相关的诚信数据库。最后，应打造良好的众筹融资平台生态。这包括：监管部门不宜统得过死、建立相关组织、引导专业金融机构积极参与、形成差异化的众筹平台生态以及加强众筹融资活动三个主体的互动。
英文摘要：	With time flying by and the technology improving, financing model is always changing. In recent years, more and more people has known about crowdfunding. In the year of 2015, a series documents has been released. With those documents, crowdfunding become more clearly in law. In September of 2015, Prime Minister Li Keqiang was said in a State Council meeting that China will use the “Internet +” to improve crowdfunding, crowdsourcing, crowd support and mass makers. Later, the State Council issued a document in which talk about China need to making crowdfunding develop steady. As this point, crowdfunding, which first emerged in 2011 in China, has stop its barbarian growth to starting a standard and legitimated trip. With the help of crowdfunding, some small enterprises of China found the new hope of financing and evaded the traditional financing. However, small enterprises have its weak points. Crowdfunding in China still has some defects. Thus, small enterprises will face a lot of risks in crowdfunding. This paper brought out three concepts: small enterprises, crowdfunding and risk management. Then the paper expounds crowdfunding of small enterprises in China. With the help of risk-tree and SWOT, this paper finds and analyzes risks in crowdfunding. Finally, this paper proposes some measures and suggests about risk prevention. Firstly, through the whole process of crowdfunding activities, the crowdfunding activities are divided into the pre stage, the stage and the post stage. In the pre stage, measures to prevent risks of small enterprises include: putting forward a good idea, matching project for the platform, determination three basic elements for the project information, determine the project return scheme, response platform audit. In the stage of raising, the prevention of small enterprises risks include: to control the transparency of information reasonably, to make use of good information update and marketing, to do the best to knowledge all the public investors support the project, to create internal communication platform and to do a good job in response to network security issues. In the after stage, small business measures to prevent risks include: the quality and quantity should be guaranteed to deliver the report, to make efforts to maintain the customers and raise the platform service with the support of the platform power. Secondly, based on the external environment risk identification, ideas and suggestions are proposed from the three aspects. At begin, the promulgation and implementation of laws and regulations should be strengthened. It includes: conversion from the legislation to law enforcement and conversion from the guidance to the implementation rules to promote the protection of intellectual property rights in china. And then we should build the integrity of the public to raise financing related to the integrity of the database. Finally, we should create a good public financing platform to raise the ecological. It includes: regulatory authorities should not make a too strict management, the establishment of the relevant organizations, to guide the professional financial institutions to actively participate in the formation of the congregation to raise public platform and enhance the interaction between the three main through crowdfunding activities.
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