Research On The Factors Influencing The Satisfaction Of Chinese Residents Using Internet Consumer Finance

Internet consumer finance refers to a new type of consumer finance model developed based on Internet technology.It relies on the development of network information technology to conduct online business processes such as auditing,lending,consumption,and repayment.Traditional consumer finance focuses on large-value credit products,and most users are high-net-worth individuals.Internet consumer finance,on the other hand,supplements traditional consumer finance.Broadly speaking,Internet consumer finance refers to all financial service platforms built on the Internet,including the Internalization of traditional consumer finance.The narrow sense of Internet consumer finance refers only to the consumer financial platform established by Internet companies.The Internet consumer finance studied in this paper is narrowly defined as consumer credit.It refers to financial products and services that provide consumer loans to meet consumer or household consumption needs.It uses Internet technology to provide consumer financial services other than banks and consumer finance companies.The consumer financial platform is the main research object.In recent years,the Internet consumer finance market has developed rapidly and more and more entities have participated in it.The Internalization of banks,the establishment of consumer finance companies,and the participation of more and more Internet giants,Yirendai and Qudian successively listed on NASDAQ.The popularity and awareness of internet consumer finance are getting higher and higher,but there are also many problems.The compliance of internet consumer finance companies,the strength of risk control ability,the quality of service quality,and the operation of websites The degree of smoothness and ease of use have all been factors that have taken into account the level of user satisfaction with Internet consumer financial products.Combine the technology acceptance model with expectation confirmation model,this paper constructs a theoretical model of the factors affecting the satisfaction of Chinese consumers using Internet consumer finance.Based on the original two models,full consideration was given to the unique attributes of internet consumer finance.Three factors that influence perceived risk,system quality,and service quality were added to make the theoretical model more reasonable.In this paper,SPSS and AMOS statistical software are used to test the reliability and validity of the collected data,correlation tests,regression analysis and mediator variables analysis.A total of 7 dimensional variables and 14 hypotheses are proposed.Through data analysis of the survey questionnaire,we found that there is a significant positive correlation between perceived usefulness,perceived ease of use,expectation confirmation,system quality,and service quality,respectively,and user satisfaction.Among them,perceived ease of use and perceived usefulness are intermediate variables for the degree of expectation confirmation and user satisfaction.Finally,through the empirical analysis results,combined with the development status of Internet consumer finance in China,the regulatory authorities and Internet consumer finance companies are proposed to manage and contribute to the better development of the Internet consumer financial market.