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长时间以来,中小企业融资难和民间资本投资渠道不畅的问题一直阻碍着我国经济的发展,而众筹融资有利于缓解小微企业融资难和小额民间资本投资渠道少的矛盾现象。但相对于其他互联网金融模式而言,众筹始终在摸索中前进。本文从众筹平台方面、社会公众、筹资者方面来分析,说明众筹平台中存在的法律与众筹创新存在冲突、众筹平台盈利模式不佳、社会公众的认知不足以及信用基础的缺乏等问题。从众筹立法、政策、众筹中介、筹资企业等方面分析解决方法,并提出了众筹融资未来的展望。
For a long time, the problem of financing difficulties for small and medium-sized enterprises and poor access to private capital has been hindering the development of China’s economy. Crowdfunded financing is conducive to alleviating the conflict between small and micro-sized enterprises’ financing difficulties and small-scale private capital investment channels. However, compared with other Internet financial models, crowdfunding is always moving forward. This article analyzes the crowdfunding platform, the public and the fund-raiser to illustrate that there is a conflict between the law existing in the crowdfunding platform and the crowdfunding innovation, the poor profit model of the crowdfunding platform, the lack of public awareness and the lack of credit base problem. From the crowdfunding legislation, policies, crowdfunding intermediary, financing enterprises and other aspects of analysis and solutions, and put forward the future of crowdfunding financing prospects.