【正文】 上，我國(guó)眾籌投融資還應(yīng)向著專(zhuān)業(yè)化，更加線上化方向發(fā)展。專(zhuān)業(yè)化發(fā)展可以弱化風(fēng)險(xiǎn)，更具有專(zhuān)業(yè)性，因?yàn)楸娀I平臺(tái)對(duì)某一行業(yè)深入了解后更容易進(jìn)行該行業(yè)項(xiàng)目的審核，更能夠判斷該類(lèi)項(xiàng)目是否具有發(fā)展?jié)撡|(zhì)和風(fēng)險(xiǎn)大小，如此更能夠保護(hù)投資者的利益。On the basis of the above, the crowdfunding investment and financing of our country should continue to developing towards the direction of more specialization and more specialization development can weaken the risk and be more professional,because the crowdfunding platforms are more easier to carry out the audit of the project and more able to determine whether the project has the development potential and the size of the risk of the project after an indepth understanding of a certain industry,which can protect the interests of investors better.同時(shí)，這樣可以容納更多的眾籌平臺(tái)交錯(cuò)發(fā)展，減少不良競(jìng)爭(zhēng)的產(chǎn)生。專(zhuān)業(yè)化不單指行業(yè)間的專(zhuān)業(yè)化，還包括行業(yè)內(nèi)的細(xì)分，比如有的可以專(zhuān)門(mén)做初創(chuàng)項(xiàng)目的融資，有的則可以做成熟項(xiàng)目的融資，即為現(xiàn)在的中小企業(yè)進(jìn)行融資，解決這些企業(yè)融資難的問(wèn)題。更加線上化是指充分利用互聯(lián)網(wǎng)平臺(tái)進(jìn)行投融資的交易，減少線下活動(dòng)，使互聯(lián)網(wǎng)更加方便快捷地服務(wù)于眾籌。At the same time, this can acmodate the staggered developments of more crowdfunding platforms and reduce the emergence of bad not only refers to the specialization inter industries, but also includes the segmentation inner the example, some platforms can be specialized in financing the startup projects, and some platforms can be specialized in financing the mature projects,that is to say, finance for the small and medium enterprises to solve the problem of financing difficulties of these more online refers to making the full use of the Internet platform to do the investment and financing transactions and reducing the activities offline,which makes the Internet more convenient and fast to the crowdfunding.（一）管好風(fēng)險(xiǎn)源，進(jìn)行實(shí)時(shí)監(jiān)測(cè)(a) Manage and constantly monitor the source of risk一切風(fēng)險(xiǎn)的源頭都可以歸結(jié)為行為的存在，只要有行為，就會(huì)有遭遇甚至發(fā)生風(fēng)險(xiǎn)的可能。隨著經(jīng)濟(jì)社會(huì)的發(fā)展進(jìn)步，行為必須與時(shí)俱進(jìn)，否則就會(huì)發(fā)生風(fēng)險(xiǎn)，所以說(shuō)風(fēng)險(xiǎn)的源頭不會(huì)被消滅，只能實(shí)時(shí)地進(jìn)行監(jiān)測(cè)。只有管控住行為緊跟時(shí)代的步伐，才能控制好風(fēng)險(xiǎn)源不致造出更多的風(fēng)險(xiǎn)。比如法律風(fēng)險(xiǎn)如果深究的話，它源于法律制定行為，只要法律以及政策的制定跟得上眾籌融資模式的發(fā)展，這樣就能管理好眾籌，不致其出現(xiàn)危害社會(huì)的風(fēng)險(xiǎn)。The source of all risks can be attributed to the existence of long as there is behavior, there will be the possibility to encounter with and even to realize a the development of the economic and social progress, the behavior must advance with the times, otherwise there will be a is the source of the risk will not be destroyed, only to be monitored in real we keep the behavior according with the pace of the times,can we prevent the risk of the source creating more example, legal risk is derived from the law making behavior if you get to the bottom of long as the law and policy formulation keep up with the development of the pattern of the crowdfunding investment and financing, we will manage it,which will prevent the risk of endangering society .（二）讓載體不再搭載風(fēng)險(xiǎn)，使得風(fēng)險(xiǎn)無(wú)處可遁(b) make the carrier no longer carrying risk, making the risk having nowhere to escape.這里的關(guān)鍵是要完善好相關(guān)的法律法規(guī)和制度載體，控制好相應(yīng)的行為載體和信息載體，管理好相應(yīng)的資金載體，讓這些載體對(duì)可預(yù)見(jiàn)的風(fēng)險(xiǎn)不再搭載，這樣便會(huì)讓相關(guān)法律法規(guī)和制度的實(shí)施、信息的傳播、資金的使用更加安全可靠。在眾籌風(fēng)險(xiǎn)控制中，做好載體的風(fēng)險(xiǎn)控制工作非常重要，主要包括：完善相關(guān)的法律、政策，控制信息傳播，增強(qiáng)技術(shù)能力，保護(hù)網(wǎng)絡(luò)安全，控制資金使用，加強(qiáng)相關(guān)人員素質(zhì)教育，謹(jǐn)慎運(yùn)作等，尤其要注意防止風(fēng)險(xiǎn)的滋生與耦合作用的產(chǎn)生。The key of here is to improve the relevant laws and regulations and system carriers,to control the corresponding carriers of behavior and information, and to manage the corresponding financial these carriers no longer carrying the foreseeable risks will make the implementation of relevant laws and regulations and systems, the spread of information, the use of funds more secure and the control of the risk of the crowdfunding, the control of the carrier’s risk is very mainly includes:to perfect the relevant laws and policies,to control the spread of information,to enhance the technical capacity,to protect the network security,to control the use of funds, to strengthen the quality education of relevant personnel,and to do prudent particular, we must pay attention to the prevention of the breeding of risk and coupling effect.（三）增強(qiáng)受體的抗風(fēng)險(xiǎn)能力(c) enhance the ability of the receptor to resist risks 這要求嚴(yán)格管控好投資者進(jìn)入的渠道，比如，在資質(zhì)方面應(yīng)要求投資者進(jìn)入必須擁有一定的資產(chǎn)和固定的收入來(lái)源，而且投入的金額按照其所擁有的資產(chǎn)比例和收入比例確定。但須注意，在這個(gè)問(wèn)題上往往容易造假，眾籌平臺(tái)也不好進(jìn)行監(jiān)控，這就需要國(guó)家完善全民信用體系，賦予眾籌平臺(tái)有權(quán)力調(diào)查投資者的抗風(fēng)險(xiǎn)能力。另外，風(fēng)險(xiǎn)共擔(dān)也可以增強(qiáng)受體的抗風(fēng)險(xiǎn)能力，將風(fēng)險(xiǎn)按收益比例分散到融資人、平臺(tái)和投資人之間，減輕個(gè)體承受風(fēng)險(xiǎn)的強(qiáng)度，增強(qiáng)受體的抵抗能力。This requires a strict control of the channel in which investors example, in terms of qualifications,the investors to enter must have a certain asset and fixed ine sources,and the amount of the investment must be in accordance with the proportion of assets and the proportion of ine.But it must be noted that the problem is often easy to the crowdfunding platform is not suitable to This requires the state to improve the national credit system, to entitle the crowdfunding platform to investigate the investor39。s ability to resist addition,the risk sharing also can enhance the antirisk ability of receptors,in which the risk will be distributed to financier,platforms,and investors according to the proportion of return, thereby reducing the intensity of individual risk and enhancing the ability of receptor to resist risk.（四）明確監(jiān)管主體和分工協(xié)調(diào)避免監(jiān)管重疊和盲區(qū),由人民銀行牽頭負(fù)責(zé)對(duì)各類(lèi)互聯(lián)網(wǎng)金融產(chǎn)品的監(jiān)管頂層設(shè)計(jì)和發(fā)展規(guī)劃，由證監(jiān)會(huì)負(fù)責(zé)股權(quán)眾籌模式的監(jiān)管，保監(jiān)會(huì)負(fù)責(zé)涉及投資連結(jié)險(xiǎn)的監(jiān)管，由工信部負(fù)責(zé)對(duì)眾籌網(wǎng)站資格的備案、由公安部負(fù)責(zé)網(wǎng)絡(luò)詐騙與非法集資監(jiān)管等。在涉及跨行業(yè)跨部門(mén)的監(jiān)管時(shí)，由人民銀行負(fù)責(zé)協(xié)調(diào)統(tǒng)一，從多角度加強(qiáng)和統(tǒng)一監(jiān)管，降低監(jiān)管成本，提高監(jiān)管效率，避免出現(xiàn)監(jiān)管重復(fù)。(d) define the regulatory bodies and coordinate the division of laborWe should avoiding overlapping and blind people39。s Bank should take charge of the regulation of the toplevel design and development planning of all kinds of Internet financial China Securities Regulatory Commission is responsible for the supervision of the equity pattern crowdfunding,The China Insurance Regulatory Commission is responsible for the supervision of the insurance linked to investment,The Ministry of Industry and Information Technology is responsible for the record of the qualification of the crowdfunding platform, the Ministry of public security is responsible for the supervision of the network fraud and illegal it es to the crosssector and interdepartmental regulation, the people39。s Ba