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互联网金融的出现改变了金融业传统格局,各类新兴业态蓬勃发展,经济社会的思维模式和发展方式发生了深刻的变革。同时,互联网金融聚少成多、高效便捷、风险分散、灵活创新的优势也引发了复杂的法律关系和法律规制障碍,互联网众筹正是其中的典型代表。我国互联网金融成长急迅,但相关法律规制进展缓慢。本文基于互联网众筹的先天法律问题和我国众筹法律规制现状,分析美国、英国、日本等国的众筹法律规制实践,为我国互联网众筹立法提供借鉴,为互联网金融立法的发展方向提供参考。
The advent of Internet finance has changed the traditional pattern of the financial industry. Various types of emerging industries have flourished, and profound changes have taken place in the thinking mode and development mode of the economy and society. At the same time, Internet finance has many advantages, such as fewer and fewer financial connections, efficient and convenient integration, diversified risks and flexible and innovative advantages, which also lead to complicated legal relations and obstacles to legal regulation. Internet crowdfunding is one of the typical examples. The rapid growth of Internet finance in our country, but the progress of relevant laws and regulations is slow. Based on the innate legal issues of crowdfunding on the Internet and the status quo of the law-based crowdfunding in China, this article analyzes the practice of crowdfunding laws in the United States, Britain and Japan, and provides reference for the legislation of Internet crowdfunding in China. It provides a reference for the development direction of Internet finance legislation. .