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在我国经济进入新常态,以创新引领发展的背景之下,众筹本质上是一种普惠性的互联网金融。众筹不是空穴来风,马克思的分工协作理论、现代化的共享经济理论、熊彼特的创新理论和安德森的长尾理论是其理论基础。我国发展众筹有利于破解小微企业融资难,有利于激活社会资本活力,有利于发展多层次资本市场,有利于促进包容性增长,但同时要高度警惕众筹所蕴含的法律、信用、技术、运营、市场、财务、监管等各种风险隐患。因此,推动我国众筹规范发展要修改完善涉及众筹的法律法规,实施众筹平台市场准入制度,分类给予差别化的政策支·持,构建并逐步完善信用体制,赋予相关机构相应的监管职责,制定统一的众筹平台技术标准,成立众筹行业协会推动行业自律,做好金融常识和投资知识的普及教育。
In the context of China’s economy entering a new normal and leading innovation through innovation, crowdfunding is essentially an inclusive Internet finance. Crowdfunding is not groundless. Marx’s theory of division of labor and collaboration, modern shared economic theory, Schumpeterian innovation theory and Anderson’s long tail theory are the theoretical foundations. The development of crowdfunding in our country is conducive to cracking down on financing for small and micro enterprises, activating the vitality of social capital, promoting the development of multi-level capital markets and promoting inclusive growth. However, we must be highly vigilant on the laws, credit and technology , Operations, marketing, finance, regulatory and other risks hidden. Therefore, to promote the development of crowdfunding and standardization in our country, the laws and regulations concerning crowdfunding should be revised and perfected, the market access system for crowdfunding platform should be implemented, the differentiated policies should be supported, the credit system should be built up and gradually improved, and the relevant regulatory authorities should be given appropriate supervision Responsibilities, develop a unified crowdfunding platform technical standards, the establishment of crowdfunding industry associations to promote industry self-regulation, good financial knowledge and investment knowledge of universal education.