我国互联网金融众筹模式发展研究

发布时间：2018-02-02 08:59

本文关键词： 众筹模式普惠金融社会化融资　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：互联网众筹金融以全新的金融商业模式,正在解构着传统金融体系,重构信息时代金融新秩序。它是互联网时代的产物,蕴含着深刻的互联网思维,依托普惠金融、众创空间、社交网络、产品优化互动、个性定制等互联网经济的内在逻辑,实现投融资双方的无缝对接。互联网众筹呈现出普惠金融的特点：一方面是单笔融资小,成为对传统金融体系的有效补充,“弱势”的小微初创企业可借助互联网众筹实现融资,支持大众创新创业；另一方面是投资规模小,公众获得直接参与创投的权利,共享创新收益。总之,无论是融资者还是投资者都属于长尾理论中的长尾群体,他们分散、不规则分布且不受到重视,但是基数庞大。在互联网众筹金融平台上,发起人直接展示创新产品或投资项目,投资者通过平台直接进行投资投资或支持,从而实现投融资双方的直接互动；其次,通过社交网络及媒体,呈现几何倍增形式的网状传播,实现社会化营销和融资的同步进行。互联网众筹金融对重构社会大众创新氛围、重建众创空间市场机制和金融创新有重要意义。本论文首先对互联网众筹金融模式的起源、分类和基本概念进行介绍,以互联网众筹金融对传统金融模式和商业模式的影响和补充为切入点,重新架构出新的融资模式及经营战略。再次结合众筹案例,对互联网众筹金融在自身发展、风控及法律监管等存在问题进行剖析,并提出如何引导我国众筹金融发展的策略建议,认为在企业融资方面,善用大众社交网络媒体、长尾效应和粉丝经济所蕴含的巨大经济效益；在风险控制方面,应当加强大数据和风控体系的建设和应用；在金融监管方面,应借鉴欧美等国家的立法理念及监管方式,在众筹平台注册、信息披露及投资者准入标准等政策方面不断优化,制定出符合我国国情的众筹金融发展模式。在上述叙述中,本文的创新点在于对互联网众筹金融模式的分析,其对我国金融层级及市场金融机构产生补充作用及深远影响外,还引进对传统经济模式或企业经营模式产生颠覆式影响的研究。在互联网信息技术的催化下,众筹金融与网络社交媒体、粉丝经济和长尾理念相结合,产生了对产品、商业乃至对社会供需结构的变化,真正实现社会化金融与社会化商业的统一。
[Abstract]:Internet crowdfunding finance, with a new financial business model, is deconstructing the traditional financial system and reconstructing the new financial order in the information age. It is the product of the Internet age and contains profound Internet thinking. Relying on inclusive Finance, Zhongchuang Space, Social Network, Product Optimization interaction, Personality customization and other inherent logic of the Internet economy. Internet crowdfunding shows the characteristics of inclusive finance: on the one hand, the single financing is small, becoming an effective supplement to the traditional financial system. "weak" small micro-start-ups can use the Internet crowdfunding to achieve financing, support public innovation and entrepreneurship; On the other hand, the scale of investment is small, the public get the right to participate in the venture capital directly, share the innovation income. In short, both the financiers and investors belong to the long-tailed group in the long tail theory, they are scattered. On the Internet crowdfunding platform, sponsors directly display innovative products or investment projects, and investors directly invest or support through the platform. In order to realize the direct interaction between investment and financing; Secondly, through the social network and the media, presents the geometric multiplication form of the mesh communication, realizes the social marketing and the financing synchronously. The Internet crowdfunding finance reconstructs the social public innovation atmosphere. It is of great significance to rebuild Zhongchuang Space's market mechanism and financial innovation. Firstly, this paper introduces the origin, classification and basic concepts of Internet crowdfunding financial model. Taking the influence and supplement of Internet crowdfunding finance on traditional financial model and business model as the starting point, this paper reconstructs the new financing model and management strategy. Again, it combines the case of crowdfunding with the case of crowdfunding. This paper analyzes the existing problems of Internet crowdfunding finance in its own development, risk control and legal supervision, and puts forward some strategic suggestions on how to guide the development of crowdfunding finance in China. Make good use of mass social network media, long tail effect and fan economy contains huge economic benefits; In the aspect of risk control, we should strengthen the construction and application of big data and wind control system. In the aspect of financial supervision, we should learn from the legislative ideas and regulatory methods of Europe and the United States, and optimize the policies of registration, information disclosure and investor admission standards of crowdfunding platform. In the above narration, the innovation of this paper lies in the analysis of the Internet crowdfunding financial model. In addition to its supplementary role and far-reaching influence on the financial hierarchy and market financial institutions in China, it also introduces a study of the subversive impact on the traditional economic model or enterprise business model, which is catalyzed by Internet information technology. The combination of crowdfunding finance and social media, fan economy and long-tail concept has brought about changes in the structure of supply and demand of products, commerce and even society, and realized the unification of social finance and social commerce.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832

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