The Study of Affecting Small and Medium Entrepreneur’s Refinance Intentions-A Case of F Bank

• Main Authors: Kuang Chung Wei, 魏光忠
• Other Authors: Yi Chun Huang
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/68382524026817500933

碩士 === 國立高雄應用科技大學 === 商務經營研究所 === 96 === The issue about the finance in the financial institution has valued in the academic community. However, most of the previous researches treat the credit decision from the viewpoints of the enterprise. The research of the finance intension form the viewpoints of the consumer seldom found. Therefore, this report integrates mainly the theory of planned behavior (TPB) of Ajzen (1985), social cognition theory (SCT) of Bandura (1982), and decomposed theory of planned behavior decomposed (DTPB) of Taylor&Todd (1995). It also treats the relation between attitude, subjective norm, perceived behavioral control, and refinance intension. According to the case, the sampling distribution of this research is the entrepreneur of SME and the effective questionnaires are 149. From the result of the Pearson’s analysis, we can find that attitude, external environment, self-efficacy, and refinance intension represent the positive correlations emphatically. Multiple regression analysis finds out that the self-interest in the attitude has significant positive effects in refinance intension, the two aspects in subjective norm has significant positive effects in refinance intension, and the self-efficacy in perceived behavioral control has significant positive effects in refinance intension. To go a setup further, we use the path analysis and find out that subjective norm will mainly mediated the relationship between the Attitude and Refinance intension. Moreover, Subjective norm will partly mediated the relationship between Perceived behavioral control and Refinance intension.