摘要
众筹作为一种融资新模式,众筹平台主要以互联网为依托,近年来在全球范围内发展迅速。在中国互联网+时代众筹的大环境下,对美国的SEC众筹新规进行了解,结合中国众筹发展现状,存在主体资格的不确定,众筹平台本身存在道德风险涉及法律风险,众筹融资缺乏配套的法律环境等问题,提出完善立法体系构架法律框架,建立完善的管理和监督机制,完善信息披露制度,设立筹资金额上限制度,建立出资者保护机制,完善社会信用体系建设的建议,对众筹融资进行全面的法律规制,推动中国互联网众筹的可持续良性发展。
Crowdfunding, as a new financing model, mainly relies on the Internet with the rapid development on a global scale in recent years. In the environment of Chinese Internet + era crowdfunding, the new rules of the US SEC crowdfunding are to be understood. Its remaining subject qualification is uncertain, and its moral hazard involves some issues: legal risks, lack of supporting legal environment and other issues. Combined with the developing situation of Chinese crowdfunding mentioned above, this paper puts forward a sound legislative system framework of the legal framework, establishes and improves the management and supervision mechanism, improves the information disclosure system, the establishment of the amount of funding cap system, the establishment funders protection mechanism, and the recommendation of social credit system construction. Comprehensive legal regulations on crowdfunding promotes sustainable healthy development of China's Internet crowdfunding.
关键词
互联网金融
众筹
监管规制
Internet banking
crowdfunding
supervision regulation