网上银行使用意愿的影响因素研究  

The Research on Factors Affecting Internet Banking Using Intention

作　　者：李淑彪[1] 龙其龙[1] 郭涛 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061 [2]中国工商银行深圳分行,广东深圳518015

出　　处：《统计与信息论坛》2012年第12期82-87,共6页Journal of Statistics and Information

基　　金：教育部人文社会科学研究规划基金项目<我国证券市场操纵交易模式挖掘及操纵行为识别研究>(11YJA790076);国家自然科学基金项目<基于数据挖掘的可疑金融交易识别研究>(70771087)

摘　　要：网上银行已经成为中国银行业服务客户的重要渠道,但存在许多因素制约着网上银行的广泛普及和深度应用。根据网上银行在中国发展和应用的实际情况,建立一个网上银行使用意愿多因素影响路径概念模型,并通过问卷调查和实证分析,对假设进行验证。结果表明,信任、感知易用性和感知有用性是影响使用意愿的主要因素,对信任和风险方面的担忧制约了客户使用网上银行业务,这是网上银行发展的主要障碍。Internet banking has now become an important channel in commercial banks providing services, but many factors which impede its developing and applying in widely and depth exist. According to the internet banking in China＇s development and application situation, this paper makes factor effecting path model of internet banking using intention contains several factors. By collecting and analyzing investigation data, the assumptions are tested and supported. The results show that trust, perceived ease of use and perceived usefulness are the main and important factors which affect the application of using intention and impede the development of internet banking. Some advices in improving this situation are provided correspondingly.

关 键 词：网上银行 使用意愿 影响因素 技术接受模型 

分 类 号：F830[经济管理—金融学]