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众筹是一种社会大众通过互联网为企业或个人发起的项目进行小额投资的新兴的商业模式。众筹兴起于于美国,在互联网和金融创新的结合下,逐渐成为一种适合于中小企业和创业者的融资模式。众筹对我国互联网金融创新以及投融资模式创新有重要意义。文章剖析了众筹的理论内涵,总结了众筹商业模式,分析了众筹模式案例,并得到一些启示,希望促进我国众筹发展和研究。
Crowdfunding is a burgeoning business model where the general public makes a small investment in a business or individual-sponsored project over the Internet. Crowdfunding has arisen in the United States. Under the combination of Internet and financial innovations, it has gradually become a financing model suitable for SMEs and entrepreneurs. Crowdfunding is of great significance to the innovation of Internet finance and the innovation of investment and financing mode in China. The article analyzes the theoretical connotation of crowdfunding, summarizes the business model of crowdfunding, analyzes the crowdfunding mode cases and gets some enlightenment, hoping to promote the development of crowdfunding and research in our country.