商业银行客户渠道选择偏好研究  

Commercial Banks Customers' Preference for Channel Selection

作　　者：张群[1] 董仲慧[1] 朱治安[1] 

机构地区：[1]西安工业大学经济管理学院,西安710032

出　　处：《西安工业大学学报》2012年第1期43-48,共6页Journal of Xi’an Technological University

基　　金：国家自然科学基金(70872087;71002102;71172133);教育部人文社会科学青年基金项目(11YJC630149);陕西省教育厅基金(2010JK141)

摘　　要：为了研究商业银行客户渠道选择偏好的影响因素,通过文献回顾,探讨了影响银行客户渠道选择偏好的易用性、便利性、风险性等关键因素,建立银行客户渠道选择偏好概念模型,通过调查数据运用lisrel8.7软件进行了实证分析,在此基础上,针对不同银行服务渠道(主要是柜台、ATM和网上银行),分析了这些影响因素是如何影响各个渠道的,并给出了相应的研究结论.In order to study the factors influencing commercial banks customer＇ preterence tor channel selection,through literature review, this paper discusses Usability, Convenience, Risk, which are the key factors influencing customers＇ preference. Then the model of customers＇ channel selection preference was built. The model was demonstrated by using lisre 18. 7. Software and the data obtained in a survey. Based on the empirical analysis of the model, the paper examines how those factors influence each of bank service channels （mainly Branches, ATM and online Bank）, with some conclusions reached.

关 键 词：商业银行 渠道选择偏好 结构方程模型 消费者 

分 类 号：F832.2[经济管理—金融学] F274F224