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1、小微企業(yè)眾籌融資風(fēng)險(xiǎn)識(shí)別與防范研究小微企業(yè),作為推動(dòng)國民經(jīng)濟(jì)發(fā)展不可或缺的力量，在活躍市場、促進(jìn)就業(yè)以及維護(hù)社會(huì)穩(wěn)定等方面發(fā)揮著重要作用。然而，在中國，作為私人企業(yè)的小微企業(yè)自其誕生之日起，制約其生存發(fā)展的最人問題便是融資難的問題。而悄然興起的眾籌融資，為小微企業(yè)迎來了發(fā)展的春天和新的曙光。與以往的融資渠道相比，眾籌融資具有成本小、融資門檻低等優(yōu)點(diǎn)，這種融資模式對(duì)于傳統(tǒng)融資來說是一種創(chuàng)新，為小微企業(yè)融資開辟了一條新的渠道，也為小微企業(yè)的發(fā)展增添了新的動(dòng)力之源。然而，由于眾籌融資在我國尚處于探索、成長、發(fā)展過程，一方面當(dāng)前融資渠道及融資方式存
2、在很多不足和漏洞；另一方面小微企業(yè)也面臨著諸多來自融資操作風(fēng)險(xiǎn)。本文以眾籌融資概念和理論為原點(diǎn)，以明確眾籌融資對(duì)于我國小微企業(yè)的發(fā)展意義為基礎(chǔ)，圍繞當(dāng)前小微企業(yè)眾籌融資發(fā)展情況，以及在融資過程中面臨的風(fēng)險(xiǎn)問題進(jìn)行分析和探討，并針對(duì)進(jìn)一步完善眾籌融資渠道、有效規(guī)避市場風(fēng)險(xiǎn)提出了積極地戰(zhàn)略性對(duì)策和建議，以期為我國小微企業(yè)規(guī)避融資風(fēng)險(xiǎn)及更好地發(fā)展提供有益的借鑒和啟示。關(guān)鍵詞小微企業(yè)，眾籌融資，風(fēng)險(xiǎn)識(shí)別ResearchontheapplicationofpublicfinancingforsmallandmicroenterprisesAbstra
3、ctAsanewforceofthesocialistmarketeconomyofourcountryofsmallandmicroenterprises,intheactivemarketeconomy,promotingtechnologicalinnovation,promotingemploymentandmaintainingsocialstabilityandplaysanimportantrole.However,asthe"people”ofsmallandmicroenterprisessincetheglobalfin
4、ancialcrisishasbeenintrouble,restrictingitssurvivalanddevelopmentofthebiggestproblemistheproblemoffinancing.Andtheriseofthepublictoraisefinancingforsmallandmicroenterprisesusheredinthedevelopmentofthespringandthenewdawn.Comparedwiththepreviousfinancingchannelsforfinancingt
5、hepublicwithsmallcost,financingofthethresholdislow,thefinancingmodelforthetraditionalfinancingisakindofinnovation,hasopenedupanewchannelforthefinancingofsmallandmicroenterprises,hasaddedanewsourceofpowerforthedevelopmentofsmallandmicroenterprises.However,duetothepublictora
6、isefinancinginourcountryisstillintheexploration,development,developmentprocess,ontheonehand,thefinancingchannelsandfinancingexistmanyinadequaciesandloopholes;ontheotherhand,smallandmicroenterprisesalsofacesmanyfromthefinancingofoperationalrisk.Thispapertoallraisefinancingc
7、onceptionandtheoryorigin,toclearalltheraisefinancingforsmallandmicroenterprisesinourcountry,thesignificanceofthedevelopmentofbased,focusingontothesmallandmicroenterprisesallraisefinancingforthedevelopmentandfacingtheriskofproblemswereanalyzedanddiscussed,andaimedattofurthe
8、rimprovepublicfinancingchannels,effectivelycircumventthemarketrisk,putsforwardthepositive
