中文摘要：

P2P众筹是金融科技中新兴的一种融资模式,尽管被广泛关注和应用,但目前在技术上和管理机制上还存在公信力、安全性和可监管等问题,限制了它的发展,如何从技术上来促进这种模式的完善成为亟待解决的问题.提出了一种基于区块链（Blockchain）的解决方案,利用区块链分布式数据库的不可篡改、可追溯和数据安全保障的特征,给出了一种基于众筹业务的私有区块链（crowdfunding private Blockchain,CPBC）架构.提出采用双链架构兼顾用户隐私和账本的开放性,并将共识节点分布在监管方或第三方公信方,形成可监管机制,研究了CPBC的多链结构、共识算法和监管模式等关键问题.研究结果表明,CPBC能够满足众筹业务的需要,并在金融数据安全和公信力方面得到极大的加强,目前已经得到了实际应用,取得了较好效果.

英文摘要：

As a new financing mode of Fintech, P2P crowdfunding has been widely concerned and used. However, there are still some problems in technology and management mechanism, such as credibility,security and regulation, which could limit the development of crowdfunding. As a result,how to promote the improvement of this mode technically becomes a problem to be solved. A Blockchain based solution is proposed, which utilizes the non-tampering, traceability and data security features of the Blockchain distributed database, and this paper designs a crowdfunding private Blockchain architecture （CPBC）. The double chain structure keeps the ledger open and the user privacy protected, and distributes the consensus nodes to the supervisor or the third party to form a supervisory mechanism. The key issues such as multi-chain structure, consensus algorithm and supervisory model are studied. The research results show that CPBC can meet the needs of crowdfunding and has been greatly strengthened in financial data security and credibility. CPBC has been applied in practice and has achieved good results.