The Development Research Of Crowdfunding Financial Model In China

With the big data technology becoming mature, the era that public could easily manage their property by themselves has come. As China’s reform and opening up gradually deepening, the development economy has made great achievements, people’s living standards keeps improving. Economic development enters a critical period of the transition with slowdown of domestic economy, savings deposits seems to be the best way, since the poor integrity condition, lack of awareness about stock market, high of threshold of traditional investment, few investment channels. Private wealth accumulated sharply, investors have capital but lack of investment channels, some entrepreneurs who have innovative ideas but lack of funds; imbalance of regional development result in capital accumulation in the eastern, lack of development funds in the west; SME’s financing difficulties and other problems not only hampering China economic restructuring, but also hindering the development of China’s economy.Crowdfunding Financial Model as a new achievement of financial innovation, and a new investment and financing channels, it is different from the traditional financing model. It can be said that Crowdfunding is based on Internet, which established a method for the direct link between enterprisers or entrepreneurs who want to raise funds and the large group of new investors. This build a direct bridge between investors and enterprises, in order to reduce the loss caused by the mismatch of capital, increase the allocation of funds for good innovation and originality, which may create more jobs and develop it.This article is based on the existing research of domestic and overseas, discussed the development situation, existing problems of domestic Crowdfunding Financial Model and the significance of economic development in China. Take "love insurance" for example, which analysis the risk factors and the feasibility of Crowdfunding Financial Model, Describes problems during the actual operation,and propose countermeasures. Some proposals is put forward for the development and innovative of Crowdfunding Financial Model in China:this financing should combined with western development, make use of the Crowdfunding financing to Activate the folk capital, establish a regional platform of Crowdfunding financing, and realize the joint development of online and offline channels.