Research On The Internet Finance Financing Intention Of Rural Small And Micro Enterprises In Jilin Province

In the context of Inclusive Finance,small and micro enterprises as the driving source of China's market economy,its financing problems have come to the attention of the government and society in recent years.The financing difficulties of small and micro enterprises involve many causes,including the lack of effective collateral,high barriers to the financing of banks,complicated procedures and so on.Traditional financial institutions have been unable to meet the financing needs of small and micro enterprises.In 2015,the Internet financial arises at the historic moment,the "short,small,fast" of characteristics made small and micro enterprises,especially rural small and micro enterprises get more convenient and diversified financing channels,and set up a multi-level financing system for them.Jilin province is a large agricultural province with underdeveloped economy.The sustainable development of small and micro enterprises is a huge driving force to improve the economic operation efficiency of Jilin province,and the financing of small and micro enterprises is the most important issue.Therefore,how to make the financing of small and micro enterprises in Jilin province is solved by using the Internet finance financing model has become the focus of the research.Based on this,this paper adopts the literature reading method,questionnaire survey method and in-depth interview method to carry out in-depth and multi-channel understanding and research on the financing demand of small and micro enterprises in Jilin province,mainly including the following contents: firstly,this paper borrows from relevant periodical literature at home and abroad,and summarizes the current research status of Internet financing and financing of small and micro enterprises in China and abroad.Then summarized and summed up to Inclusive Finance,small and micro enterprises and Internet financial concepts,and make a brief analyze to the related theories in this paper that will be used;Then,this paper makes a list and analysis of the development status and existing problems of small and micro enterprises in rural Jilin province.Based on this,to design the demand questionnaire of rural small and micro enterprises of Jilin province according to the theory of Reasoned Action,and field investigation,and doing empirical analysis with survey data,and summarized the related factors of influencing the small micro enterprise financing needs.Finally,the conclusions are drawn by summarizing relevant theories and data analysis,and puts forward related suggestions respectively from the macro and micro angles.This paper mainly contains the following conclusions: the attitude and the past behavior have the significant influence on the Internet financial financing intention of rural small and micro enterprises in Jilin province.Other characteristics such as gender,age,income and other factors had no significant relationship with the four factors.Finally,according to the results of the empirical research,the paper puts forward corresponding countermeasures: including increasing credit awareness of rural micro-enterprises,improving credit rating,Internet financial institutions building a platform to promoting social trust and strengthening the learning and application of Internet finance...