近年来,互联网技术和社交网络的发展给金融业带来了深刻的变革,大大缩短了资金的需求者和提供者之间的距离,提高了资金融通效率,降低了融资成本。“众筹”(Crowdfunding)就是一种通过互联网平台向公众筹集小额资金,以完成特定目标的集资形式。①美国于 In recent years, the development of Internet technology and social network has brought profound changes to the financial industry, greatly shortened the distance between the demanders of funds and providers, improved the efficiency of financing and reduced the financing cost. “Crowdfunding ” is a form of fundraising through which the Internet can be used to raise small amounts of money to the general public for specific purposes. ① United States on