【摘要】 众筹融资的竞争优势源于其形成了社群化的开放式创新生态系统,并通过创意筛选和创新孵化机制促进小微企业的创新创业。众筹融资依托互联网技术提高了金融服务的渗透性和可及性,为数字化时代推动普惠金融和服务实体经济拓展了新途径。大众投资者的信息识别、众筹平台的规则设计以及监管机构的科技应用,构筑了新兴金融风险防范的多重协同治理体系。更多还原

【Abstract】 Based on competitive advantage of virtual community and open innovation ecosystem of crowdfunding, this paper explores the mechanisms of creative ideas screening and innovation incubation to promote the innovation of startups. Crowdfunding increases the penetration and accessibility of financial services with the help of Internet and explores new path of promoting inclusive finance and serving the real economy in the digitalage. Information identification of common investors, the rules definition of platform and the application of regulators construct a multi-dimensional and coordinating risk governance system for online finance.更多还原