浅析京东众筹平台产品众筹模式的发展现状、存在问题及建议.docVIP

PAGE 20 摘 要 互联网金融是传统金融和网络技术结合的产物，在大数据和云计算的技术支持下，在互联网平台上创建了功能性金融平台和服务系统。当前，国内互联网金融发展迅速，京东金融将金融和科技结合并应用到更多行业，大力发展“金融+互联网”的这一全新模式，为了使更多企业和个人获得更有品质的金融服务。京东金融有九大业务板块，京东众筹是其中一个板块。京东众筹平台是涵盖业务比较多的众筹平台，现在主要是专注于产品众筹。产品众筹是筹资者在产品在有模型创意且没有进入市场的情况筹集资金，在资金的帮助下将产品生产出来，回馈给投资者。近年来，产品众筹这一新型融资模式随着互联网的发展快速壮大，国内外学者也围绕这个主题研究了很多关于京东众筹平台产品众筹这一模式成功的因素，但是比较少针对产生的问题及应对对策的研究和分析。 本文集中阐述了京东众筹平台里的产品众筹这一模式的发展现状、存在问题及建议，同时对产品众筹模式今后的发展进行了展望。主要分为三个部分：第一部分：主要是对众筹模式及产品众筹的含义进行了介绍及剖析了京东众筹平台产品众筹模式的发展现状；第二部分：对发展过程中存在的问题进行分析；第三部分：对产生的问题进行提出有利于京东众筹及其他产品众筹平台更好的发展的应对策略。 本文深入研究了京东众筹平台产品众筹这种模式发展存在的问题及应对对策这方面，对这些问题提出解决的措施，希望对京东众筹及其他产品众筹平台后续的发展有借鉴价值。 关键词：京东众筹 产品众筹模式 持续发展 ABSTRACT Internet finance is a product of the combination of traditional finance and network technology. With the technical support of big data and cloud computing,a functional financial platform and service system have been established on the Internet platform. At present,the domestic Internet finance is developing rapidly. Jingdong Finance combines finance with science and technology and applies it to more industries,vigorously developing the brand-new model of finance+Internet in order to enable more enterprises and individuals to obtain better quality financial services. JD.com Finance has nine major business sectors,of which JD.com crowdfunding is one. JD.com crowdfunding platform is a crowdfunding platform that covers more businesses. Now it is mainly focused on product crowdfunding. Crowdsourcing of products means that the fund raisers raise funds when the products have model creativity and do not enter the market. With the help of funds,the products are produced and returned to investors. In recent years, with the rapid development of the Internet, product crowdfunding has become a new financing model. Scholars at home and abroad have also studied many factors that contribute to the success of this model on JD.coms crowdfunding platform product crowdfunding. However,there is little research and analysis on the problems and countermeas