摘要在社会经济快速发展和科技迅猛进步的背景下，共享单车应运而生。共享单车能较好地解决大众“最后一公里”的问题，很大程度上缓解了现在拥堵的交通情况。另外，共享单车的大量使用也在一定程度上降低了传统交通方式的使用，这对环境保护起到了积极的作用，对此国家也做出了积极的鼓励。但是，在共享单车的发展进程中，也出现了融资风险、盈利风险和押金风险等金融问题。文章基于共享经济理论和金融风险理论对这些问题进行了有针对性的探讨，分析提出了相关解决对策，首先探讨建立与共享单车相关的金融监管机制，讨论其应有的理念、目标和监管的客体、主体等，然后相对应的探讨加强法律法规的完善还有政府对共享单车企业的监管，以及寻求共享单车企业多元发展，以推动盈利的创新，提高共享单车企业的盈利性，最后探讨政府应规范共享单车企业的信息披露，让投资者的投资环境变好。关键词：共享单车：融资风险：押金：金融监管ABSTRACTWith the rapid development of social economy and the rapid progress of scienceand technology,bike-sharing came into being.Bike-sharing is a good solution toVolkswagen's "last mile"problem,to a large extent to ease the current trafficcongestion.In addition,the extensive use of shared bicycles has to a certain extentreduced the use of traditional means of transport,which has played a positive role inenvironmental protection,the country has also made a positive encouragement.However,in the development of bike-sharing,there are some financial problems suchas financing risk,profit risk and deposit risk.Based on the sharing economic theoryand financial risk theory,this paper probes into these problems and puts forwardrelevant countermeasures.First,it discusses the establishment of financial supervisionmechanism related to sharing bicycles,discuss its proper idea,target,object andsubject of supervision,and then correspondingly discuss the improvement of laws andregulations as well as the government's supervision of bicycle-sharing enterprises,andseek the diversified development of bicycle-sharing enterprises,finally,the paperdiscusses that the government should regulate the information disclosure of thebike-sharing enterprises so as to improve the investment environment for investors.Key Words:Shared Bike;financing risk;deposit;financial regulation目录一、(一)背景1(二)目的与意义(三)(四)研究方法二、相关概念及理论的综述(二)三、共享单车商业模式的金融风险防范现状及问题分析(一)共享单车商业模式的营运现状7(二)共享单车商业模式存在的主要金融风险..10(三)问题的诱因分析12四、共享单车商业模式的金融风险防范策略...·13(一)共享单车商业模式金融风险防范机制的建立…13(二)融资风险的防范..14(三)盈利风险的防范.…14(四)押金风险的防范15参考文献.15致18