商业众筹的法律定位与规范促进

发布时间：2018-06-01 11:59

本文选题：商业众筹 + 法律定位　；参考：《四川师范大学》2017年硕士论文

【摘要】：我国商业众筹虽起步较晚,但却以“迅雷不及掩耳之势”快速发展。作为互联网金融的创新模式之一,众筹打开了融资行业的大门,为创新创业者和中小微企业提供了新融资渠道,打破了“融资难”的僵局,并在国家鼓励“大众创业,万众创新”的号召下,将“普惠金融”的价值理念渗透到各行各业。在当下“实体冷,金融热”的市场背景下,众筹在一定程度上对盘活金融市场、保障实体经济稳健发展起到积极作用。面对当今互联网金融不断发展壮大,而我国众筹的法律定位模糊,众筹监管规范不明确且受限于既定法律之局面,如何构建起符合本国众筹行情的监管规范并引导众筹行业健康发展成为了刻不容缓的问题。因此,为保障众筹行业适格规范与促进众筹行业良性发展的需要,应正确认识到我国众筹法律规范层面的不足,主动借鉴发达国家众筹立法监管之优势,为众筹提供合法性基础,构建出内外结合、张弛有度的众筹规范机制。本文分为六个部分,第一部分为绪论。从现实层面入手,引出目前我国众筹认识与监管存在的问题,并对国内众筹的研究情况进行评述,说明本文的研究创新及不足;第二部分为基本认识,阐述众筹的基本概念、特征,进而介绍了三种众筹类型的运作模式及其对我国发展的现实意义;第三部分为法律定位分析,从法律层面对三种不同类型的众筹模式进行定位分析,剖析了现行法律框架下对众筹的具体束缚,并将众筹与非法集资类罪名做出了区别和厘定;第四部分为风险研判,从多元化角度出发,分析众筹各方主体所面临的风险以利风险防控之用;第五部分为域外经验,以域外发达国家和我国台湾地区众筹立法为例,介绍域外众筹立法之先进经验并总结出对我国众筹监管之启示;第六部分为完善建议,立足前述研议并契入宏观视角,重点就我国众筹规范促进之大层面,因应提出完善建议,针对以上文研究结果对我国众筹监管提出切实可行的完善建议,同时积极响应国家政策号召引导众筹行业绿色发展。
[Abstract]:Although our commercial crowdfunding started late, it developed rapidly. As one of the innovative models of Internet finance, crowdfunding has opened the door to the financing industry, provided innovative entrepreneurs and small and medium-sized enterprises with new financing channels, broke the deadlock of "financing difficulties", and encouraged "mass entrepreneurship" in the country. Under the call of "all kinds of innovation", the value concept of "inclusive finance" permeates all kinds of industries. In the current market background of "entity cold, financial hot", crowdfunding plays a positive role in invigorating the financial market to a certain extent and ensuring the steady development of the real economy. In the face of the continuous development of Internet finance and the vague legal position of crowdfunding in our country, the regulation of crowdfunding is not clear and limited by the established law. How to establish regulatory norms in line with the domestic crowdfunding market and guide the healthy development of crowdfunding industry has become an urgent issue. Therefore, in order to ensure the appropriate standards of crowdfunding industry and promote the benign development of crowdfunding industry, we should correctly recognize the shortcomings of the legal norms of crowdfunding in our country, and take the initiative to learn from the advantages of legislative supervision of crowdfunding in developed countries. To provide legitimacy basis for crowdfunding, to build a combination of internal and external, Zhang Chi multi-funding regulatory mechanism. This article is divided into six parts, the first part is the introduction. Starting from the realistic level, this paper draws out the problems existing in the cognition and supervision of crowdfunding in our country, and comments on the research situation of crowdfunding in China, explaining the innovation and deficiency of the research in this paper. The second part is the basic understanding, which expounds the basic concept of crowdfunding. The third part is the analysis of the legal orientation, the analysis of the three different types of crowdfunding mode from the legal level, the third part is the legal analysis of the three different types of crowdfunding mode, the third part is the analysis of the legal orientation of the three different types of crowdfunding mode. This paper analyzes the specific constraints on crowdfunding under the current legal framework, and makes a distinction and determination between crowdfunding and illegal fund-raising. The fourth part is the risk study, from the perspective of diversification, The fifth part is the extraterritorial experience, taking the legislation of crowdfunding in overseas developed countries and Taiwan as an example. This paper introduces the advanced experience of foreign crowdfunding legislation and summarizes the enlightenment to the regulation of crowdfunding in our country. The sixth part is the perfection suggestion, based on the above discussion and understanding into the macro angle of view, focusing on the promotion of crowdfunding norm in China, and putting forward some suggestions to improve it. In view of the above research results, the author puts forward practical and feasible suggestions for the supervision of crowdfunding in China, and actively responds to the call of national policy to guide the green development of crowdfunding industry.
【学位授予单位】：四川师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.291.91

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