What are the conditions for online crowdfunding?

Question 1: What are the basic conditions for crowdfunding? Equity crowdfunding financing mainly refers to the activities of publicizing small equity financing through the Internet. Equity crowdfunding financing must be carried out through the platform of equity crowdfunding intermediary (Internet website or other similar electronic media). You'd better find a suitable equity crowdfunding platform to be responsible for the crowdfunding plan.

At present, there are three modes of equity crowdfunding: platform docking intermediary, leading investment and investment management, the first two receive commission and the third is free.

Question 2: What are the requirements for crowdfunding in Taobao? 20 points Taobao crowdfunding platform is a pre-order platform launched by Taobao. Sponsors can launch pre-purchase fund-raising demand for innovative projects on Taobao crowdfunding platform, and promise to provide different forms of returns to supporters who support innovative projects. The promoter is also a Taobao seller, and the supporter is also a Taobao buyer. This specification includes specification text, attachments and all rules, specifications and business processes that Taobao has published or may publish in the future.

I. Qualification of Project Sponsor

The project sponsor shall meet the following conditions:

1. If the promoter is a natural person, he/she should be at least 18 years old and be a citizen of China, or a non-China citizen who can provide a long-term residence certificate in China; If the promoter is a legal person, it shall be a legal entity established and registered in China according to law to bear legal liabilities independently;

2. Taobao account has been registered and has passed Alipay real-name authentication.

3. If the project initiated by the sponsor is a music project, the sponsor must not only meet the above conditions, but also have the musician certification of Shrimp.

4. If the project initiated by the sponsor is a public welfare project, the sponsor shall be a legally established public welfare organization or jointly sponsor the project with a legally established public welfare organization.

Second, the project content specification

The project initiated by the sponsor shall meet the following requirements. If any item does not meet the requirements, the project review will not be approved:

1. The project must be related to music, movies, comics, design, science and technology, photography, books and public welfare;

2. The project should be innovative and executable, and the project objectives should be clear, specific and measurable, such as making a single, making a micro-film or completing a work of art;

3. The content of the project must include what I want to do, project risks, project returns and why I need support.

4. The content of the project must comply with laws and regulations and Taobao rules;

5. Project contents and related project information uploaded by the sponsors (including but not limited to words, pictures, videos, etc.). ) must be original by the sponsor. If it is not original by the sponsor, the sponsor shall have obtained the corresponding authorization from the right holder, who allows the sponsor to authorize Taobao and its affiliated companies to carry out permanent free publicity, promotion and use on Taobao and other official websites of Taobao and offline media of Taobao affiliated companies for the purpose of promoting Taobao crowdfunding platform;

6. Do not sell the goods that have been produced in the project, except for public welfare-related projects;

7. Don't simply raise money for non-profit organizations or for the purpose of meeting the individual needs of funders by launching ways like "subsidizing scholarships" and "subsidizing my travel".

8. This platform is not allowed to publish the following project contents or related project information:

1) drugs, guns and ammunition, controlled knives and other acts that violate national laws;

2) Pornography, gambling, violence, terror, reaction, politics and religion;

3) diet, medical care, health care, tobacco and alcohol, cosmetics;

4) Insurance, investment, finance and real estate related;

5) lottery, lottery, competition and other related;

6) Open a company, website, shop, etc. ;

7) Prohibited sales and other contraband information stipulated by laws of other countries and Taobao.

Taobao crowdfunding platform only reviews the rationality of the project and the matching degree between the project content and the return. The sponsor shall ensure that the contents of the initiated project are legal and do not infringe upon the legitimate rights and interests of others.

Question 3: Who can initiate crowdfunding? Do you need any qualifications? At present, most domestic crowdfunding websites require that as long as they are legal citizens of People's Republic of China (PRC) and are over 18 years old, they are eligible to launch crowdfunding. Of course, you must also have a good project. You can be a freelancer in the creative industry or a company employee. As long as you have a good idea, you can launch a crowdfunding project.

Question 4: What are the crowdfunding conditions? Crowdfunding participants are mainly composed of sponsors, crowdfunding platforms and investors. The whole crowdfunding process can be divided into four steps:

In the first step, the project sponsors publish creative projects on the crowdfunding platform, and investors choose creative projects of interest on the platform to achieve the purpose of project matching.

In the second step, the sponsors set the fund-raising target and fund-raising date on the crowdfunding platform, and investors began to invest to achieve the fund-raising target.

The third step is the key to the success of crowdfunding projects. If the funds raised by the crowdfunding date do not reach the target, then the crowdfunding fails, the project withdraws the financing project, and the investors who have invested withdraw the funds they have invested. If the target amount is successfully raised on the crowdfunding day, the crowdfunding project is successful, the project sponsor obtains financing, and the investor confirms the investment.

Step 4: After the project sponsors get the crowdfunding funds, they use the funds to operate and implement the project. Investors can supervise the use of the project funds, provide suggestions and give priority to the project products.

Question 5: What qualifications and conditions does JD.COM need to publish crowdfunding? Project content specification

1. The project initiated on the crowdfunding platform in JD.COM should be innovative and executable, and the project objectives should be clear, specific and measurable, such as making a physical product, making a micro-film or completing an artistic creation.

2. The content of the project must include information such as what I want to do, project risks, project returns and why I need support.

3. Project contents and related project information uploaded by the sponsor (including but not limited to words, pictures, videos, etc.). ) must be original by the sponsor. If it is not original by the sponsor, the sponsor should have obtained the corresponding authorization from the obligee, who allows the sponsor to authorize the affiliated companies of JD.COM and JD.COM to carry out permanent free publicity, promotion and use on the JD.COM website and other official websites and offline media of JD.COM affiliated companies for the purpose of promoting the crowdfunding platform in JD.COM.

4. It is not allowed to sell the goods that have been produced in the project, except those related to public welfare.

5. It is not allowed to raise funds for non-profit organizations or for the purpose of meeting the personal needs of the promoters by launching such non-substantive projects as "funding scholarships" and "funding my travel".

6. The content of the project must comply with laws and regulations and the relevant provisions of the JD.COM website; JD.COM crowdfunding platform has the right to put forward special requirements for the project.

7. This platform is not allowed to publish the following project contents or related project information:

1) drugs, guns and ammunition, controlled knives and other acts that violate national laws;

2) Pornography, gambling, violence, terror, reaction, politics and religion;

3) Lottery is related to gambling;

4) Open a company, website, shop, etc. ;

5) Prohibited sales and other contraband information stipulated by laws of other countries and JD.COM website.

8.JD.COM crowdfunding platform only reviews the rationality of the project, and the sponsors, such as the matching degree between the project content and the return, should ensure that the content of the initiated project is legal and does not infringe upon the legitimate rights and interests of others.

9. This project is exclusive, and it shall not be sold on any other platform during the fundraising period of JD.COM crowdfunding platform. Once discovered, the project was forced to be removed from the shelf and the corresponding fine was investigated.

Crowdfunding project return specification

1. The promoters must recognize and agree that the crowdfunding platform in JD.COM or JD.COM will sign the JD.COM Crowdfunding Incentive Service Agreement (see the annex to this Agreement). JD.COM Crowdfunding Award Service Agreement is only applicable to product crowdfunding published on JD.COM Crowdfunding Platform, excluding crowdfunding projects such as equity, income or public welfare.

2. The project return must be related to the project. The return should be the derivative results or related commodities produced by the sponsors during the project period, except for public welfare-related projects;

3. The project return shall not be equity, bonds, interest, dividends and other contents with the nature of investment return, nor shall it be cash or currency used for circulation;

4, the project return should be clear and specific;

5. The physical return shall not be a commodity with high risk of receiving goods.

6. The highest unit price of the products returned by the project on the crowdfunding platform in JD.COM should be lower than the market price of the products within two months after the successful completion of the project, otherwise the price difference should be returned to the supporters.

7. After the project returns to mass production, it should be distributed to the supporters of JD.COM crowdfunding platform to support the project first. Otherwise, it will be regarded as a breach of contract by the promoters, and they will be liable for breach of contract and fined.

Sponsor qualification

1. The project sponsor shall be a registered user of JD.COM Crowdfunding Platform and fully understand and accept this agreement.

2. The promoters may be natural persons, legal persons or other organizations. If the promoter is a natural person, it shall be a natural person who has reached the age of 18 and has full capacity for civil conduct and civil rights, a citizen of China, or a non-China citizen who can provide proof of long-term residence in China. If the project sponsor is under the age of 18, his guardian shall perform the rights and obligations of this agreement on his behalf. If the promoter is a legal person or other organization, it shall be a legal entity established and registered in China according to law and able to bear legal liabilities independently.

3. Before launching the project, the sponsor should complete the necessary identity authentication and qualification authentication online through online banking, including but not limited to the real-name authentication of ID card, passport and academic certificate. When initiating the project, the sponsor agrees and authorizes JD.COM crowdfunding platform to publicize the certification information.

4. The promoters shall open an account according to the requirements of JD.COM and receive the support money from the supporters.

5. If the project initiated by the sponsor is a public welfare project, the sponsor shall be a legally established public welfare organization or jointly sponsor the project with a legally established public welfare organization.

6.JD.COM crowdfunding platform will limit and require other qualifications that sponsors need to meet according to different types of projects. ...& gt& gt

Question 6: What conditions do you need to set up a crowdfunding company? There should be a lot of demand, right There seems to be an internet finance company recently, such as Blooming Finance. You can ask them if you have any problems.

Question 7: What are the conditions for establishing a crowdfunding network? 10 points to build a crowdfunding platform need to meet the following conditions:

1. Qualified company registration, domain name registration, ICP filing, server purchase, team building, post-site operation.

2. A stable server, the configuration, running speed and stability of the server will affect the normal operation of the crowdfunding platform.

3. The core of crowdfunding platform is crowdfunding system, which is the first internet crowdfunding system, crowdfunding program software and online financial investment system developed by CSI Chengda in China. As theNo. 1 brand of China crowdfunding system, it supports the current mainstream equity crowdfunding model of lead investment and follow investment, and can be customized according to customer needs, so as to meet the business needs of customers to the maximum extent and quickly build the most professional, safest and most value-added crowdfunding platform for financial services institutions.

Question 8: What are the requirements for joining Taobao crowdfunding?

The project sponsor shall meet the following conditions:

1. If the promoter is a natural person, he/she should be at least 18 years old and be a citizen of China, or a non-China citizen who can provide a long-term residence certificate in China; If the promoter is a legal person, it shall be a legal entity established and registered in China according to law to bear legal liabilities independently;

2. Taobao account has been registered and has passed Alipay real-name authentication.

3. If the project initiated by the sponsor is a music project, the sponsor must not only meet the above conditions, but also have the musician certification of Shrimp.

4. If the project initiated by the sponsor is a public welfare project, the sponsor shall be a legally established public welfare organization or jointly sponsor the project with a legally established public welfare organization.

Taobao crowdfunding project:

The project initiated by the sponsor shall meet the following requirements. If any item does not meet the requirements, the project review will not be approved:

1. The project must be related to music, movies, comics, design, science and technology, photography, books and public welfare;

2. The project should be innovative and executable, and the project objectives should be clear, specific and measurable, such as making a single, making a micro-film or completing a work of art;

3. The content of the project must include what I want to do, project risks, project returns and why I need support.

4. The content of the project must comply with laws and regulations and Taobao rules;

5. Project contents and related project information uploaded by the sponsors (including but not limited to words, pictures, videos, etc.). ) must be original by the sponsor. If it is not original by the sponsor, the sponsor shall have obtained the corresponding authorization from the right holder, who allows the sponsor to authorize Taobao and its affiliated companies to carry out permanent free publicity, promotion and use on Taobao and other official websites of Taobao and offline media of Taobao affiliated companies for the purpose of promoting Taobao crowdfunding platform;

6. Do not sell the goods that have been produced in the project, except for public welfare-related projects;

7. Don't simply raise money for non-profit organizations or for the purpose of meeting the individual needs of funders by launching ways like "subsidizing scholarships" and "subsidizing my travel".

8. This platform is not allowed to publish the following project contents or related project information:

1) drugs, guns and ammunition, controlled knives and other acts that violate national laws;

2) Pornography, gambling, violence, terror, reaction, politics and religion;

3) diet, medical care, health care, tobacco and alcohol, cosmetics;

4) Insurance, investment, finance and real estate related;

5) lottery, lottery, competition and other related;

6) Open a company, website, shop, etc. ;

7) Prohibited sales and other contraband information stipulated by laws of other countries and Taobao.

Taobao crowdfunding platform only reviews the rationality of the project and the matching degree between the project content and the return. The sponsor shall ensure that the contents of the initiated project are legal and do not infringe upon the legitimate rights and interests of others.

Question 9: What qualifications do you need to set up a crowdfunding company? First of all, what is a financial license? What are the types of financial licenses in China? Referring to the answer given by Li Sanshui, a famous teacher in Weibo, he signed it as "a person with no taste and no sense":

The official name of a financial license is the business license of a financial institution, which is an official document to approve financial institutions to conduct business. For its definition, please refer to the Regulations on the Administration of Financial Institutions issued by the Central Bank 1994.

Financial institutions include:

1. Bank

2. Insurance companies

3. Securities companies, exchanges, fund management companies and securities registration companies.

4. Trust, finance company and finance lease

5. Futures companies

6. Guarantee company

7. pawnshop

8. Credit card companies

9. Other financing companies

10. Other financial institutions

After 2003, financial licenses were issued to companies in this industry by China Banking Regulatory Commission, China Insurance Regulatory Commission and China Securities Regulatory Commission.

CSRC: Including securities-related companies and futures-related companies.

CIRC: Including insurance companies and insurance agencies.

CBRC: banks, trusts, financial leasing, financing guarantees, money brokers, loan companies and other financing companies.

Pawn companies are separated from the financial industry, so they need to apply to the local commerce commission and obtain a pawn business license after filing with the Ministry of Commerce.

Internet financial circle note: the current license is a scarce resource, and many companies can't get the license smoothly. At present, except for the five major financial institutions that can issue financial licenses, others are said to have stopped issuing them. The guarantee company can't even get a business license within the validity period now. ...

Do P2P or crowdfunding platforms need financial licenses?

Let's talk about crowdfunding first. Product pre-sale crowdfunding (also known as reward crowdfunding) has nothing to do with financial licenses. Does equity crowdfunding need a financial license to do it?

Equity crowdfunding does not need license support at all;

What is the solution? The equity crowdfunding platform is actually just an information intermediary platform, which puts the detailed business information of some enterprises online, allowing investors to judge the risks themselves, and the risks are basically borne by investors.

Equity crowdfunding platform helps transactions, but does not intervene in funds, not financial intermediaries. Therefore, there is no need to issue licenses like banks and insurance. But supervision is still necessary.

From the perspective of supervision, the signal released in mid-March is that "the P2P industry will not implement the license access system": the P2P industry belongs to the CBRC, and the principle of supervision is to clarify the business nature of the P2P industry, make it a "financial information service intermediary", prevent it from being alienated into a "credit intermediary" and prevent it from transforming into a bank to carry out bank-like business. Gray operations such as "platform guarantee", "fund pool operation" and "false custody funds" previously considered by the industry will be banned.

However, since May and June, the P2P "running road" tide has intensified, and the license access system that has been abandoned by industry rumors may be adopted again. Faced with the change of risk situation, it is inevitable that the regulatory thinking will change accordingly. The above-mentioned speech by Wang, deputy director of the Regulation Department of the CBRC, is a noteworthy sign.

Does P2P need a license?

At present, one of the most important P2P models is the pure match between borrowers and lenders through the platform, such as loan auction, and the other is the way of creditor's rights transfer, that is, the transferor first issues the loan to the borrower, and then transfers the creditor's rights on the platform. This transferor can be a natural person closely related to the platform. For example, the transferor of pleasant loans is often the initiator of platform companies. In addition, there is a cooperative circulation mode of creditor's rights with other small loan companies and guarantee companies. At first, An Credit promoted the guarantee company to guarantee the circulating creditor's rights. In 20 13, some new P2P platforms proposed that the platform could purchase the creditor's rights of small loan companies and circulate them on the platform, or the small loan companies could directly circulate their creditor's rights on the platform companies, and then guarantee them by guarantee companies, which further deepened the circulation mode.

At present, the People's Bank of China, China Banking Regulatory Commission and other relevant state departments are studying P2P. It can be seen that the country generally encourages the development of P2P, but it is also doing further research on the existing industry risks and regulatory issues involved. Judging from the risks disclosed by P2P, one is that its own network platform illegally raises funds for its own projects in the name of P2P, and fabricating false projects is actually fraud; The other is that the platform guarantees loans despite its own lack of strength, but lacks the audit of project loans. & gt

Question 10: What is crowdfunding and what are its requirements? 50 points means that a group of people all contribute some money to form a circle, and everyone often gets together. Generally speaking, they are in business. This party is also about business.