P2P和众筹是两种最为典型的互联网金融融资模式,近几年来发展迅猛,逐渐成为中小微企业融资的新兴渠道。本文对中国P2P和众筹的背景和现状进行了深入剖析,在此基础上,探讨了其存在的问题和未来的发展态势,最后据此从政府决策层面提出了规范、完善P2P行业和众筹行业的政策建议。

P2P lending and Crowdfunding are two most typical financing mode of E-finance, and have developed rapidly in recent years, and gradually become emerging financing channels of small and micro enterprise. It deeply analyzes the background and current situation of P2P lending and Crowdfunding in Chinese practice, on the basis of the existing problems and future development trend. finally according to the above,it proposed policy recommendations to specification and improve the P2P lending industry and Crowdfunding industry form government decision-making level.

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广东省科技攻关项目“面向中小微型企业信息化的移动网络系列共性软件研发”(2013B010401034); 广东省自然科学“两化融合背景下制造企业信息系统与管理系统的动态匹配机制研究”(S2013010013429)