Study On Financing Needs And Influencing Actors Of Small And Micro-enterprises' Crowdfunding

In recent years, small and micro enterprises as an important part of the national economy, whether it is that have played a great role in GDP output, employment, or tax and other aspects, but small and micro enterprises but because financing and financing in recent years, small and micro enterprises as the national economy an important part, both in GDP output, employment, or tax and other aspects, have played a great role, but small and micro enterprises but because of difficulties in financing and financing expensive problems, the development has been seriously hampered. With the development of public entrepreneurship, innovation and peoples', whether it is the central or local government, the development of small and micro enterprises have given great attention, trying to promote the rapid development of small and micro enterprises. And all the chips as a product of Internet banking, its mode of operation and services to small and micro enterprises financing has brought great convenience, will provide a new way for the traditional financing channels of small and micro enterprises.This article mainly from the theory, the current situation and the empirical analysis of three aspects of small and micro enterprises to raise public financing needs and its influencing factors were analyzed in depth. First of all, the article draws on the excellent research results at home and abroad, to analyze the relevant theory of small and micro enterprises to raise public financing. Then focus on the development of small and micro enterprises and the plight of the plight of the description, analysis of the important contribution of small and micro enterprises to economic development, as well as the financial aspects of the problem. At the same time, to all raise development at home and abroad are introduced, highlight the current public network to raise financing in China's vigorous development of objective facts, and pointed out that the current constraints of small and micro enterprises to raise the public financing of the protection of property rights, red line legal and regulatory issues. And the article focuses on the use of field research and network questionnaire to obtain relevant data and empirical analysis were conducted using the probit model, measure the affect small and micro enterprises all raise financing demand related factors, and analyzes the nature of the industry, the year of establishment, in operating income, the use of funds, enterprise responsible for culture degree and other enterprises within the prime and the law of loan financing support, government agencies support, financial institutions to support and financing costs and other external environmental factors for small and micro enterprises all raise financing needs related to the effect. Finally, through the summary of the theory, the present situation and the empirical analysis based on concluded respectively, and from the macro and micro levels, for small micro enterprise all raise financing policy and legal environment, platform construction and the supervision of the government and other multiple aspects proposed relevant suggestions.The innovation of this article lies in: first, the small micro enterprise financing problems and emerging public network to raise the combining study together and explore the traditional financing channels, has been facing financing difficult and expensive financing problem of small and micro enterprises in financing a new way. Innovation in the topic, and has a strong practical guiding significance. Second, through the establishment of binary choice model to empirical analysis the impact of small and micro public enterprises raise financing of internal factors and external environmental factors, combining the internal and external factors that affect the analysis of small and micro enterprises all to raise the effect of financing needs. Innovation in the research angle and research methods.