互联网金融理财产品使用影响因素研究

被引：47

作者：

邱均平 ^{[1
,2
]}

杨强 ^{[1
,2
]}

郭丽琳 ^{[1
,2
]}

机构：

[1] 武汉大学信息管理学院

[2] 中国科学评价研究中心

来源：

情报杂志 | 2015年 / 01期

关键词：

互联网金融理财产品; 余额宝; PLS; SEM; 感知风险;

D O I：

暂无

中图分类号：

F724.6 [电子贸易、网上贸易]; F832.2 [银行制度与业务];

学科分类号：

1201 ; 020204 ;

摘要：

依据TAM和TPB模型,按照金融的流动性、收益性和安全性三原则,验证用户使用互联网金融理财产品的关键影响因素。以余额宝为例,收集224个量表作为样本,使用PLS方法,验证互联网金融理财产品结构化方程模型。研究发现,自我效能、感知易用、感知有用在用户使用互联网金融理财产品的影响因素中起着关键作用。自我效能对感知易用、感知有用和使用行为的影响显著。社会影响对用户感知风险和行为意向影响显著,但是影响低于自我效能。

引用

页码：179 / 184

页数：6

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