大学生互联网校园分期产品使用意愿影响因素研究

doi:10.19722/j.cnki.1008-7729.2019.0185

北京邮电大学学报(社科版) ›› 2019, Vol. 21 ›› Issue (5): 46-54.doi: 10.19722/j.cnki.1008-7729.2019.0185

大学生互联网校园分期产品使用意愿影响因素研究

北京邮电大学经济管理学院，北京100876

出版日期:2019-10-31
基金资助:
campus consumption installment; structural equation modeling(SEM); willingness to use

Factors Affecting College Students Usage Intention of Internet Installment Service#br#

School of Economics and Management, Beijing University of Posts and Telecommunications,
Beijing 100876, China

Online:2019-10-31

摘要/Abstract

摘要： 为探究影响大学生使用互联网校园消费分期产品的主要因素，以TAM、UTAUT理论为基础，构建大学生使用互联网校园分期产品的影响因素模型，分析得出以下结论：消费欲望、感知有用性、感知易用性、社会影响正向影响使用意愿；感知风险负向影响使用意愿；平台属性正向影响感知有用性、感知易用性，负向影响感知风险；用户特征正向影响感知风险，负向影响消费欲望。此外，通过国内外市场对比，总结差异并从多角度提出旨在营造校园消费分期产品市场良好环境的相关建议。

关键词: 校园消费分期, 结构方程模型, 使用意愿

Abstract: To explore the main factors of college students using campus Internet installment service, the model based on TAM and UTAUT theories is constructed. The results show that consumption desire, perceived usefulness, perceived ease of use, and social influence positively affect the willingness to use; perceived risk negatively affects willingness to use; platform attributes positively affect perceived usefulness and perceived ease of use while have a negative impact on perceived risk; user characteristics positively affect perceived risk and negatively affect consumption desire. In addition, through comparison between domestic and international market, the differences are summarized and recommendations from a variety of perspectives are made to create a good campus consumption installment market environment.

中图分类号:

F832

赵保国，张雅琼. 大学生互联网校园分期产品使用意愿影响因素研究[J]. 北京邮电大学学报(社科版), 2019, 21(5): 46-54.

ZHAO Bao-guo, ZHANG Ya-qiong. Factors Affecting College Students Usage Intention of Internet Installment Service#br#[J]. JOURNAL OF BEIJING UNIVERSITY OF POSTS AND TELECOM, 2019, 21(5): 46-54.

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大学生互联网校园分期产品使用意愿影响因素研究

Factors Affecting College Students Usage Intention of Internet Installment Service#br#

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