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近年来,互联网金融异军突起。作为“众筹”家族的一员,股权众筹(Securities-based Crowdfunding)无论从单个项目的筹资规模还是从回报形式来看,对投资者与融资者都极富吸引力,特别是为小微企业发展提供了更为便捷的融资渠道。但这种半公开的融资行为在我国发展尚不完善,存在很多恶意欺诈行为和不诚信现象。因此,建立一个可靠稳定的众筹信任机制,保障用户的利益和系统安全性十分重要。本文介绍了众筹平台的运营模式,股权众筹在中国的发展现状,简述可靠度模型的研究背景,指明可靠度方面的相关定义和要素内涵,并提出基于自身历史记录、第三方推荐和环境要素三方综合的可靠度模型,旨在为投资者保护实现路径提供一定建议。
In recent years, Internet finance has sprung up everywhere. As a member of the “Crowdfunding” family, equity-based Crowdfunding is attractive both to investors and financiers, both in terms of the size of individual projects and in the form of returns. In particular, Small and micro enterprise development provides a more convenient financing channels. However, this semi-public financing behavior is not perfect in our country and there are many malicious acts of fraud and dishonesty. Therefore, it is very important to establish a reliable and stable crowdfunding trust mechanism to protect the interests of users and system security. This paper introduces the operation mode of crowdfunding platform, the status quo of the development of equity crowdfunding in China, the research background of reliability model, the definition of relevant reliability and the connotation of its elements, and puts forward some suggestions based on its own history, third-party recommendation and The three-dimensional integrated reliability model of environmental factors aims to provide some suggestions for investors to protect their path of realization.