“双创”背景下金融科技助力大学生创业融资的创新研究  

Research on the Innovation of Fintech Assisting College Students’Entrepreneurship Financing Based on the Background of“Mass Entrepreneurship and Innovation”

作　　者：夏筱月 刘轶涵 赵玉玟 赵娟 李靖 XIA Xiaoyue;LIU Yihan;ZHAO Yuwen;ZHAO Juan;LI Jing(Faculty of Finance and Economics,Wuhan College,Wuhan 430212,China;Faculty of Information Engineering,Wuhan College,Wuhan 430212,China;Faculty of Management,Wuhan College,Wuhan 430212,China)

机构地区：[1]武汉学院金融与经济学院,武汉430212 [2]武汉学院信息工程学院,武汉430212 [3]武汉学院管理学院,武汉430212

出　　处：《科技和产业》2023年第7期157-162,共6页Science Technology and Industry

基　　金：2022年国家级大学生创新创业训练计划-创业训练项目(202213634010X);湖北省社科重大项目(20ZD107);湖北省高等学校优秀中青年科技创新团队计划项目(T201943)。

摘　　要：融资是大学生创业过程中面临的重要难题。通过对比分析国内外直接融资平台,发现针对大学生的融资专项业务不多。基于此,创新性地提出“校轻投”仿真直接融资平台,利用区块链技术和智能合约赋能大学生创业融资,降低信息不对称,提高融资效率。平台主要面向大学生创业群体,为不同类型的大学生创新创业者提供模拟融资的机会。在平台中,用户模拟融资活动,财务风险低,为促进大学生创业项目转化打造了良好安全的创业环境。同时,平台为投资者提供了寻找潜在投资项目的渠道,有利于培养大学生投资风险管理意识,积累投资经验。Financing is the main problem for college students to do entrepreneurship.Through comparative analysis of domestic and foreign direct financing platforms,it is found that there are not many special financing businesses for college students.Based on this,a direct financing simulation platform named“Easily investing at school”is proposed,which enables college students to start their own businesses by using blockchain technology and smart contracts to reduce information asymmetry and improve financing efficiency.The platform is mainly aimed at college students’entrepreneurial groups,providing simulated financing opportunities for different types of college students’innovative entrepreneurs.On the platform,users simulate financing activities with low financial risk,creating a good and safe entrepreneurial environment for promoting the transformation of college students’entrepreneurial projects.At the same time,the platform provides investors with a channel to find potential investment projects,which is conducive to cultivating college students’awareness of investment risk management and accumulating investment experience.

关 键 词：金融科技 大学生创业 区块链 智能合约 直接融资 仿真平台 

分 类 号：F832[经济管理—金融学]