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1、小微企业众筹融资风险识别与防范研究小微企业,作为推动国民经济发展不可或缺的力量，在活跃市场、促进就业以及维护社会稳定等方面发挥着重要作用。然而，在中国，作为私人企业的小微企业自其诞生之日起，制约其生存发展的最人问题便是融资难的问题。而悄然兴起的众筹融资，为小微企业迎来了发展的春天和新的曙光。与以往的融资渠道相比，众筹融资具有成本小、融资门槛低等优点，这种融资模式对于传统融资来说是一种创新，为小微企业融资开辟了一条新的渠道，也为小微企业的发展增添了新的动力之源。然而，由于众筹融资在我国尚处于探索、成长、发展过程，一方面当前融资渠道及融资方式存
2、在很多不足和漏洞；另一方面小微企业也面临着诸多來自融资操作风险。本文以众筹融资概念和理论为原点，以明确众筹融资对于我国小微企业的发展意义为基础，围绕当前小微企业众筹融资发展情况，以及在融资过程中面临的风险问题进行分析和探讨，并针对进一步完善众筹融资渠道、有效规避市场风险提出了积极地战略性对策和建议，以期为我国小微企业规避融资风险及更好地发展提供有益的借鉴和启示。关键词小微企业，众筹融资，风险识别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
