小微企业作为经济发展的重要力量，在发展过程中面临融资难、融资贵等问题，众筹融资作为新兴的网络融资模式不仅给小微企业带来了机遇，也带来了挑战。对小微企业众筹融资整体风险进行识别，提出“5+11”风险识别途径，着重研究众筹融资平台面临的风险，利用系统动力学方法绘制小微企业众筹融资平台风险系统的因果关系图，并根据因果关系图形成回路图和原因树，更直观地展现众筹融资平台风险的反馈作用机制。针对风险提出相应的防范对策，对规范众筹融资平台运作、提高平台融资成功率具有一定的实际意义。%As an important force in economic development, small and micro-enterprises are facing problems such as difficulty to finance, high cost in financing, etc., in the process of development. As a new mode of network financing, crowd-funding brings not only opportunities, but also challenges to small and micro-enterprises. The overall risks of crowd-funding platforms of small and micro-enterprises are identified. The risk identification approach of “5+11” is proposed, the risks that crowd-funding platforms face are studied particularly. The method of system dynamics is utilized to draw the causal diagram of risk system of crowd-funding platforms in small and micro-enterprises. According to the circuit diagram and cause tree formed through causal diagram, the feedback mechanism of crowd-funding platforms risks is showed visually. The corresponding preventive measures is proposed according to the risk, which has a certain practical significance for standardizing the operation of public financing platform, and improving the success rate of platform.
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