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众筹是互联网金融市场的重要筹资模式,不同于传统的融资模式,有效地解决中小企业融资难的问题,但是由于发展时间短暂,其发展之中的问题频现,其合法性收到社会广泛关注。因此,加强对于众筹的相关立法,加强政策的制定,注重相关部门的监管,解决众筹在发展中存在的问题则很有必要。本文首先阐述众筹的概念与特征,然后诊断众筹模式存在的问题及成因,尝试探索众筹模式发展的对策。
Crowdfunding is an important financing model for the Internet financial market. Different from the traditional financing model, it effectively solves the financing difficulties of SMEs. Due to the short development time, problems in its development are frequent and its legitimacy is widely accepted attention. Therefore, it is necessary to step up the relevant legislation on crowdfunding, strengthen the formulation of policies, pay attention to the supervision of relevant departments and solve the problems in the development of crowdfunding. This article first expounds the concept and characteristics of crowdfunding, and then diagnoses the problems and causes of the crowdfunding mode, trying to explore the countermeasures of the development of crowdfunding mode.