涉农小微企业众筹融资风险及其防范研究——基于案例比较分析

Crowfunding Risks of Small and Micro Agricultural Enterprises and Risk Prevention:A Comparative Study Based on Two Cases

农业众筹已成为我国互联网金融重点关注的领域之一,但基于农业本身的弱质性以及互联网金融的风险性,涉农小微企业发起农业众筹也面临着风险难题。比较西黄山茶叶公司"认领一分茶园"和安浓集团"空中农场"项目,从项目发起人、众筹平台、投资人角度分析,涉农小微企业众筹融资风险影响因素涉及行业经验、信息披露、项目创新度、投资人认知度、积极性、平台客流量、法律监管体系等;针对不同角度风险,涉农小微企业应充分利用协同效应,与供应链企业优势互补,以及加强内部控制等措施加以防范。

Agricultural crowdfunding has drawn much attention in the Internet finance of our country, but due to feebleness of agriculture and risks lying in the Internet finance, small and micro agricultural enterprises are faced with many risks when initiating crowdfunding. By comparing two projects-- West Huangshan Tea Company＇s ＂claiming a piece of tea garden＂ and Aynon Group＇s ＂air farm＂- and analyzing from the angles of project sponsor, crowdfunding platform and project investor, this paper found that the factors influencing crowdfunding risks of small and micro agricultural enterprises involve industry experience, information disclosure, project innovation, investor＇s awareness and enthusiasm, platform traffic, legal regulatory system, etc. For different risks, small and micro agricultural enterprises need to make full use of synergistic effect to realize advantage complementarity with supply chain enterprises, and take such measures as strengthening internal control to prevent the risks.