[1]邱碧珍.P2P网络借贷投资者接受模型分析与构建[J].福建工程学院学报,2016,14(03):289-294.[doi:10.3969/j.issn.1672-4348.2016.03.015]
　Qiu Bizhen.Analysis and construction of investor acceptance model of P2P lending platform based on the integration of TAM and TTF[J].Journal of FuJian University of Technology,2016,14(03):289-294.[doi:10.3969/j.issn.1672-4348.2016.03.015]
点击复制

P2P网络借贷投资者接受模型分析与构建()
分享到：

《福建工程学院学报》[ISSN:2097-3853/CN:35-1351/Z]

卷:
第14卷
期数:
2016年03期
页码:
289-294
栏目:
出版日期:
2016-06-25

文章信息/Info

Title:
Analysis and construction of investor acceptance model of P2P lending platform based on the integration of TAM and TTF
作者:
邱碧珍
厦门大学嘉庚学院
Author(s):
Qiu Bizhen
Tan Kah Kee College, Xiamen University
关键词:
P2P;  网络借贷;  技术接受模型;  任务技术匹配
Keywords:
peer-to-peer (P2P);  on-line lending(platform);  technology acceptance model(TAM);  task-technology fit(TTF)
分类号:
F713.36
DOI:
10.3969/j.issn.1672-4348.2016.03.015
文献标志码:
A
摘要:
在分析技术接受模型（technology acceptance model，TAM）和任务技术匹配（tasktechnology fit，TTF）整合的必要性的基础上，运用基于TAM和TTF整合的信息技术接受模型，采取二手资料和开放式问卷调查获取影响因素，构建出P2P网络借贷投资者接受模型。模型研究表明：感知风险是阻碍投资者使用P2P平台进行投资的最重要的影响因素。感知有用、感知收益和感知信任从一定程度上能促进投资者使用P2P平台进行投资。政策法规、P2P平台的质量、主观规范、感知行为控制对P2P平台投资也会产生一定的影响。同时，结合本研究模型提出了针对P2P平台应用和推广的建议。
Abstract:
The necessity of integrating technology acceptance model (TAM) and tasktechnology fit (TTF) was analysed. An information technology acceptance model based on the integration of TAM and TTF was employed. Influential factors affecting peer-to-peer platforms were obtained from secondhand data and open questionnaires. An investor acceptance model of P2P lending platform was constructed. The simulation results indicate that perceived risks are the major influential factors affecting the investors’ using P2P, whereas perceived usefulness, perceived benefits and perceived trust can promote the investors’ investment on P2P in a certain degree. Policies and legal regulations, the quality of P2P platforms, subjective norms and perceived behavioural control are also influential factors affecting the investment on P2P. Approaches are proposed to promote the application of P2P in accordance with the constructed model.

参考文献/References:

[1] 董昀.互联网金融的发展:基于文献的探究[J].金融评论，2014(5):16-40.
[2] Davis F D, Bagozzi R P, Warshaw P R. User acceptance of computer technology:A comparison of two theoretical models[J]. Management Science,1989,(35):982 -1003.
[3] Goodhue D L, Thompson R L. Tasktechnology fit and individual performance[J]. MIS Quarterly,1995,19(2):213-236.
[4] 王秀峰,柯青.基于用户使用角度电子商务研究（Ⅱ）——整合TAM与TTF概念模型分析[J].现代情报，2011,31(5):164-168.
[5] 罗长利，朱小栋.基于TAM_TPB和感知风险的余额宝使用意愿影响因素实证研究[J].现代情报,2015,35(2):143-149.
[6] 王长林.国外评价信息系统成功研究述评[J].哈尔滨工业大学学报，2010,12(6):68-73.
[7] 王文韬，谢阳群，谢笑.关于D&M信息系统成功模型演化和进展的研究[J].情报理论与实践,2014,37(6):73-58.

更新日期/Last Update: 2016-06-25