众筹源于crowdfunding一词,crowdfunding作为新型金融术语,《牛津词典》将其界定为“通过互联网向众人筹集小额资金为某个项目或企业融资的做法。”中国人民银行发布的《2014年中国金融稳定报告》,将众筹融资界定为“通过网络平台为项目发起人筹集从事某项创业或活动的小额资金,并由项目发起人向投资人提供一定回报的融资模式。”众筹先驱众筹的雏形最早可追溯至18世纪, Crowdfunding stems from the word crowdfunding, crowdfunding as a new financial term, which the Oxford Dictionary defines as “the practice of raising small amounts of money over the Internet to finance a project or business.” “The People’s Bank of China’s” 2014 China Financial Stability Report, “defined the crowdfunding as” a financing model that enables project sponsors to raise a small amount of money for an undertaking or activity through a network platform and provide the project sponsor with certain returns. " Crowdfunding Pioneer crowdfunding prototype dating back to the 18th century,