各类网上支付模式及消费者感知风险研究  

Research on Many Types of Online Payment Patterns and Consumer's Perceived Risk

作　　者：杨青[1] 刘懰[1] 钱新华[1] 

机构地区：[1]复旦大学经济学院金融研究院,上海200433

出　　处：《上海金融》2011年第4期32-37,共6页Shanghai Finance

基　　金：国家自然科学基金项目(70702028);浦江人才计划项目;支付宝(中国)网络技术有限公司<国内第三方支付机构反洗钱与反恶意套现>合作课题资助

摘　　要：当前,网上支付在我国电子商务领域具有重要作用。论文分析了基于银行卡的五种网上支付重要模式,并从消费者感知风险角度构建网上支付模式元模型,考察了支付流程中消费者的感知风险因素,然后针对五种网上支付模式所隐含的消费者感知风险为我国未来电子商务网上支付的发展方向提出建议,认为我国网上支付系统应进一步加强对消费者个人信息安全和隐私的保护。At present,online payment is of great importance in China＇s E-business.The article analyzes five important patterns of online payment based on banking card,constructs a meta-model for online payment from the angle of consumer＇s perceived risk,and examines consumer＇s perceived risk during payment procedure.Then,it suggests on the developing direction of online payment in China＇s future E-business.It thinks that China＇s online payment system should further strengthen the safety of consumer＇s individual information and protection of privacy.

关 键 词：网上支付模式 感知风险 元模型 

分 类 号：F830[经济管理—金融学]