小微企业众筹的风险控制

发布时间：2018-09-06 20:33

【摘要】：小微企业的发展对于我国经济发展起到了积极的推动作用,尤其在帮助市场的兴起、扩大就业、促进技术的革新、稳定社会的发展等方面。但是,小微企业由于自身规模的局限,始终难以发展。金融危机袭来之后,更使小微企业雪上加霜。小微企业的融资问题成为当下的难题。伴随着互联网的繁盛兴起,大数据的到来,传统金融业服务与互联网企业结合,发展出众筹融资——一种新型融资方式。它的兴起给小微企业带来了曙光。众筹融资相比于传统的融资方式,它的融资门槛低、融资效率高,融资成本低,平台效应强。因此,众筹融资和小微企业十分契合,适配度很高。然而,众筹作为新兴的融资方式,尚且在摸索阶段,存在诸多风险。因此,如何控制小微企业众筹的风险就成为了本文的重点。本文主要从风险识别、风险评价、风险防范三方面入手。利用风险树搜索法,对小微企业,大众投资人,众筹平台和法律环境四个方面进行风险识别。再通过模糊数学层次分析法对A小微企业众筹的风险因素作出了评价,最后总结出从企业内外部进行风险防范的措施,从而达到风险控制的目的。
[Abstract]:The development of small and micro enterprises has played a positive role in the economic development of our country, especially in helping the rise of the market, expanding employment, promoting technological innovation, stabilizing social development and so on. However, small and micro-enterprises because of their own size limitations, always difficult to develop. After the financial crisis hit, make small and micro enterprises worse. The financing of small and micro enterprises has become a difficult problem. With the rise of the Internet and the arrival of big data, the combination of traditional financial services and Internet enterprises, the development of outstanding fund-raising-a new type of financing. Its rise brought the dawn to small and micro enterprises. Compared with traditional financing, crowdfunding has low threshold, high efficiency, low financing cost and strong platform effect. As a result, crowdfunding and micro-enterprises are very suitable for a high degree of fitness. However, as a new financing method, crowdfunding is still in the stage of exploration, there are many risks. Therefore, how to control the risk of small and micro-enterprise crowdfunding has become the focus of this paper. This paper mainly from risk identification, risk evaluation, risk prevention from three aspects. Risk tree search method is used to identify the risk of small and micro enterprises, public investors, crowdfunding platform and legal environment. Then the paper evaluates the risk factors of A small and micro enterprise by fuzzy analytic hierarchy process, and finally summarizes the measures to prevent the risk from the inside and outside of the enterprise, so as to achieve the purpose of risk control.
【学位授予单位】：杭州电子科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F49;F275

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