“大家投”众筹平台融资风险评价与防范研究

发布时间：2018-01-10 10:23

本文关键词：“大家投”众筹平台融资风险评价与防范研究　出处：《青岛科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,互联网金融快速发展。众筹作为一种具有低门槛、受众广、注重创新等特点的新型互联网金融模式,在我国虽然起步较晚,但是发展十分迅速。股权众筹的出现,为解决大量民间资本缺少融资渠道以及小微企业融资困难等问题提供了新的渠道,将逐步成为促进小微初创企业融资和发展的新兴动力,成为我国多层次资本市场的重要补充。众筹有别于传统融资模式,能够引导资金在创新、创意方面的流向起到了极大促进作用,也为创造就业提供了平台和空间。本研究通过对众筹融资理论的梳理,更为全面的认识和分析众筹融资业务的风险,对比其它融资方式,借鉴其他融资方式的优势,详细阐述“大家投”众筹平台的发展历程,以及业务流程,并对相关的业务流程进行风险识别。同时对“大家投”平台流程中的风险进行归类,主要分为操作风险、技术风险、信用风险、业务运营风险、法律风险以及其他风险,通AHP层次分析法对不同风险进行评价,构建了发起人众筹融资风险的风险指标层次结构模型,然后运用层次分析法确定各风险因素对上一层级风险因素的权重,再借助模糊数学综合评价法对“大家投”众筹融资平台的整体风险作出评价,最后做出模型评价,认定“大家投”平台存在较高的风险。为此本文针对所存在的问题以及相关风险,从法制建设、业务操作风险防范、信用体系构建、众筹平台技术完善以及加强监督体制来对“大家投”风险进行有效防范。
[Abstract]:In recent years, the rapid development of Internet banking. To raise the public as a low threshold, wide audience, new Internet financial innovation mode etc., in China started late, but developed rapidly. There to raise public equity, provides a new way for the solution of a large number of private capital and lack of financing channels of small and micro enterprise financing difficulties, will gradually become the emerging power to promote the financing of small and micro development and start-ups, become an important supplement to the multi-level capital market in China. The congregation is different from the traditional mode of financing, to guide capital in innovation, creative direction has played a great role in promoting, but also provides a platform and space in order to create employment. Through the research of financing theories, the risk of a more comprehensive understanding and analysis of public financing business, compared to other means of financing, financing and other To discuss the "development potential, we voted platform to raise the public, and business processes, and the risk identification of related business processes. At the same time, we voted platform in the process of risk classification, mainly divided into operational risk, technology risk, credit risk, business operation risk, legal risk and other the risk through the AHP analytic hierarchy process to evaluate the different risk, build the risk index hierarchy structure model of the promoters to raise public financing risk, and then use the AHP method to determine the risk factors for a level of the weight of risk factor, then using fuzzy comprehensive evaluation method of the overall risk of people voted to raise public financing an evaluation of the platform, and finally make the evaluation model, that we voted platform has higher risk. This paper aiming at the existing problems and related risks, from the legal system construction, business operation Risk prevention, credit system construction, public platform technology improvement, and strengthening supervision system to effectively prevent the risk of "everyone investing".

【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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