期刊论文

中文

青岛农业大学学报(社会科学版)

1674-1471

2016

28

3

44-48

10.3969/J.ISSN.1674-1471.2016.03.008

国家级大学生创新创业训练计划项目（编号（G）SCX1518）； 湖南省情与决策咨询研究项目（编号2015ZZ055）；

本校为第一机构

基于小微企业与企业主资源禀赋的视角和152家小微企业问卷调查数据,实证分析了小微企业借助互联网金融平台的融资意愿及其影响因素。研究表明：产品（服务）科技含量正向影响显著,银行贷款获取能力与内源性资金丰富度对其意愿都负向影响显著,流动资金规模、企业盈利能力具有正向影响但不显著。企业主年龄负向影响显著,企业主受教育程度、互联网金融认知水平正向影响显著。

From the perspective of the resource endowment of small and micro enterprises and entrepreneurs and based on 152 small and micro enterprises survey data,the paper analyzed the financing willingness of small and micro enterprises and its influencing factors empirically.The research indicated that the scientific and technological content of product（service）has a prominently positive impact on the willingness,and the ability to obtain a bank loan funds and the richness of endogenous capital have a significant negative impact.The size of liquidit...