小微企业借助互联网金融融资意愿及其影响因素——基于小微企业及企业主禀赋视角

The Financing Willingness of Small and Micro Enterprises with the Help of the Internet and Its Influencing Factors——From the Perspective of Small and Micro Enterprises' and Entrepreneurs' Resource Endowment

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 liquidity and profitability have a positive effect but not significant.Business owners＇ ages influence the willingness in a significantly positive way,while the education level of business owners and the cognitive level of Internet finance influence it in a significantly negative way.