中国商业银行网上银行业务影响因素实证研究

发布时间：2018-04-26 11:39

本文选题：网上银行 + 技术接受模型　；参考：《辽宁大学》2013年硕士论文

【摘要】：随着电子信息技术的迅猛发展及其在金融领域的渗透，网上银行随之诞生。网上银行凭借其实时、方便、快捷、高效、低成本和功能丰富的优势而受到越来越多客户的支持促使网上银行业务大幅攀升并日渐深入老百姓的日常生活中。近年来，我国网上银行呈阶跃式发展，相关人士预计在十二个五年计划期间我国网上银行仍将保持平稳发展态势。但是，相对于目前我国整体银行业务而言，网上银行业务交易金额所占比例仍较小；与国外相比，国内网上银行发展过程中存在许多问题如独立的运营模式、单一的发展主体、低层次的服务功能、安全技术问题突出、信用机制不成熟等严重阻碍了网上银行发展潜力的进一步发挥。同时对于商业银行而言，大力发展网上银行将促使其品牌竞争力乃至综合实力的提升。加之网上银行业务发展直接取决于网上银行使用意愿程度，所以，对于网上银行使用意愿影响因素的实证研究将有利于整体银行业的发展。本文首先回顾了国内外学者关于网上银行发展影响因素的研究成果，接着分析了中国网上银行的发展现状及特点，指出目前我国网上银行发展存在的问题及影响我国网上银行使用意愿的影响因素。然后，通过发布问卷调查的形式，了解目前我国网上银行的使用情况，并根据学者们关于影响网上银行意愿因素的研究，选取了独立变量（感知有用性、感知易用性、感知风险、自我效能、政府支持、技术支持）、中介变数（态度、主观规范、感知行为控制）这九个因素，使用一个整合技术接受模型（TAM）和计划行为理论（TPB）的模型研究其与网上银行使用意愿之间的关系。最后得出用户在使用网上银行时，，最看重的因素是感知行为控制，其次是网上银行使用态度因素，银行要在这些方面加大服务力度。最后，本文将根据我国的实际情况及实证研究结果，提出推动我国网上银行进一步发展的相关政策建议。
[Abstract]:With the rapid development of electronic information technology and its penetration in the financial field, online banking was born. With its advantages of real-time, convenience, speed, efficiency, low cost and rich functions, online banking is supported by more and more customers. In recent years, China's Internet banking has developed step by step, and the related personages expect to maintain a steady development trend during the twelve five-year plan period. However, compared with the whole banking business in China, the proportion of online banking transactions is still relatively small. Compared with foreign countries, there are many problems in the development of domestic online banking, such as independent operation model, single development subject. The low level service function, the outstanding security technical problems and the immature credit mechanism have seriously hindered the further development potential of the internet bank. At the same time, for commercial banks, the development of online banking will promote its brand competitiveness and even the promotion of comprehensive strength. In addition, the development of online banking business directly depends on the degree of willingness to use online banking, so the empirical study on the factors affecting the willingness to use online banking will be conducive to the development of the banking industry as a whole. This paper first reviews the research results of domestic and foreign scholars on the factors affecting the development of online banking, and then analyzes the current situation and characteristics of the development of Chinese online banking. This paper points out the problems existing in the development of online banking in China and the factors affecting the willingness to use it. Then, through the form of questionnaire, to understand the current situation of the use of online banking in China, and based on the scholars' research on the factors that affect the willingness of online banking, we select the independent variables (perceived usefulness, perceived ease of use). Perceived risk, self-efficacy, government support, technical support, intermediary variables (attitude, subjective norms, perceived behavior control) are nine factors, Using an integrated technology acceptance model (TAM) and a planning behavior theory (TPB) model, the relationship between the model and the willingness to use Internet banking is studied. Finally, when users use online banking, the most important factor is perceived behavior control, followed by the use of Internet banking attitude factors, banks should increase service in these areas. Finally, according to the actual situation of our country and the results of empirical research, this paper puts forward some relevant policy suggestions to promote the further development of China's Internet banking.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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