中国互联网金融与消费者参与的SEM和GSEM实证研究

【发布时间】 2017-06-29

 

中国互联网金融与消费者参与的SEMGSEM实证研究

王浩名1;王伟2

1.内蒙古财经大学经济学院,内蒙古呼和浩特,010070

2.中国人民银行抚顺支行,辽宁抚顺 113000

   内容摘要:本文基于中国互联网金融和消费者参与调查问卷,分析二者的相互影响作为主要研究目的。通过设计结构变量和测量潜变量,并以SEMGSEM结构方程模型为研究方法,实证分析了二者之间的传导路径和回归系数。研究发现感知收益、感知易用、信息搜索、合作行为和共创价值的提高,及感知风险的降低,能够促进中国互联网金融的发展。

对中国互联网金融发展从SEM分析扩展到GSEMLogistics分析,全面实证了外生变量和内生变量对中国互联网金融发展的影响。研究价值表现为通过对各影响因素和相关潜变量的分析,发现了促进中国互联网金融发展的途径;及消费者本身条件对其发展的影响;也为在制定相关政策时提供了有价值的依据和建议。

   关键词中国互联网金融;消费者参与SEMGSEM实证分析

  

An SEM and GSEM Empirical Method of Chinese Internet Finance and Consumer Participation

WANG Haoming1WANG Wei

(1. Economic ColleagueInner Mongolia Finance and Economic UniversityHohhot Inner Mongolia 010070China

2. Fushun Sub-branch of People 's Bank of ChinaShenyang Liaoning 113000China)

AbstractThis paper based on the questionnaire of Chinese internet finance and customer participation, analyzing the relation of them. According of the questionnaire, it sets the structural and measurement variables, and the empirical method of both SEM and GSEM, analyzing the transmission path and factors. The study found that the improvement of perceived benefits perceived using convenient, information search, cooperative behavior and the value of creating, and decline of perceived risk can promote the development of Chinese internet finance. The innovation of this paper is as follows: firstly constructing the theoretical analysis of the transmission path between, other is that the empirical method from SEM to GSEM. The value of the research is to analyze the influence factors and related latent variables, exploring the way to promote the development of Chinese Internet finance; and provide an intuitive response to consumers and producers of Internet financial products, but also for China's Government when formulate policies, it regularize the Chinese internet finance providing valuable basis and recommendations.

Key wordsChinese internet finance; customer participation; the empirical method of SEM and GSEM



作者简介:王浩名,1981年,男,辽宁沈阳人,内蒙古财经大学经济学院讲师,辽宁大学博士,研究方向:应用计量经济学;王伟,男,1974年,安徽濉溪人,中国人民银行抚顺分行纪委书记,辽宁大学博士,研究方向:金融改革。
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