支付方式选择倾向对传统金融影响的预测分析

›› 2016 ›› Issue (04): 57-68.

支付方式选择倾向对传统金融影响的预测分析

杨路明, 单良, 武亚娜

云南大学工商管理与旅游管理学院, 云南昆明 650000

收稿日期:2016-01-21 出版日期:2016-07-15 发布日期:2016-07-21
作者简介:杨路明(1960—),男,云南昆明人,云南大学工商管理与旅游管理学院教授,博士生导师,研究方向为电子商务与物流管理;单良(1989—),男,黑龙江哈尔滨人,云南大学工商管理与旅游管理学院硕士生,研究方向为客户关系管理,网络营销;武亚娜(1991—),女,河北邯郸人,云南大学工商管理与旅游管理学院硕士生,研究方向为网络金融。
基金资助:
国家社科基金青年项目"网络匿名行为与网络社会治理研究"（项目编号：15CSH017）。

The Prediction Analysis of Payment Way Preference's Influence on Traditional Financial Industry

YANG Lu-ming, SHAN Liang, WU Ya-na

Business&Tourism Management School of Yunnan University, Kunming, Yunnan 650000, China

Received:2016-01-21 Online:2016-07-15 Published:2016-07-21

摘要/Abstract

摘要： 随着互联网的快速发展，互联网已经融入传统金融，它改变着传统金融的支付方式，并形成了多种多样的支付方法。研究人们在购物中对移动支付的选择倾向成为金融业的一个重要内容。通过调查购物中对移动支付的选择倾向获得样本数据，利用结构方程实证研究线下购物中人们在传统移动支付方式和依托第三方支付平台的新兴移动支付方式之间的选择，并进一步探索影响这两种选择的因素。研究发现，线下零售消费过程中移动支付方式的心理选择受到消费者的个性特征、系统因素，以及社会因素通过感知收益和感知风险的间接影响，而感知收益和感知风险在影响移动支付方式的选择过程中又受到支付经历和使用经验的调节。

关键词: 移动支付, 技术采纳, 结构方程, 二阶调节作用

Abstract: The Internet has immerged into the traditional financial industry due to its rapid development ,giving some influence upon the payment ways of traditional financing and forming diversified payment methods.therefore,it is crucial to study customer preference in choosing mobile payment ways during shopping activies.This paper is in an attempt to qualitatively analyze the customers' preference to either the traditional way or the third electronic payment by selecting the samples and using the construction formula methodology. With the assistance of that, we can get the factors affecting people's choices. This paper concludes that our clients' choices are determined by personality's features, systematic factors and social factors. All these factors may indirectly influence the benefits and risks of loss.Besides, the sensitivity of gains and losses is linked with payment experience in making choice of mobile payment ways.

Key words: mobile payment, technological inclusiveness, construction formula, second order adjustment

中图分类号:

F830.49

杨路明, 单良, 武亚娜. 支付方式选择倾向对传统金融影响的预测分析[J]. , 2016(04): 57-68.

YANG Lu-ming, SHAN Liang, WU Ya-na. The Prediction Analysis of Payment Way Preference's Influence on Traditional Financial Industry[J]. , 2016(04): 57-68.

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