An Empirical Study On The Influencing Factors Of Residents’ Willingness To Use Consumer Financial Products In The Internet Environment

My country’s Internet consumer finance started late.It has also achieved certain development because it reduces the cost of entering the financial system and allows consumers to enjoy financial services through the Internet,and has a higher coverage rate.However,because the Internet consumer finance has not yet formed a good development system,residents’ awareness of it is not high,and many factors will affect residents’ willingness to use Internet consumer financial products.Under this circumstance,it is necessary to explore the influencing factors of residents’ willingness to use consumer financial products the Internet environment through empirical analysis and other methods.This article first mainly elaborates the research background,research significance,research methods,research status at home and abroad,etc.,and further clarifies the subject of this article.Second,it expounds related concepts and theoretical basis,the concept mainly introduces consumer finance,consumer behavior,etc.;theoretically,it includes technology acceptance model theory,planned behavior theory,perceived risk theory,etc.,in order to provide theoretical support for this article.Third,it is the development status of credit consumer finance under the Internet environment,including the basic situation,operation mode,existing problems and development trends of the development of Internet credit consumer finance.The fourth is empirical design,it elaborates the research variables and measurement tools selected in this article,puts forward the research hypothesis of this article,and introduces the data sources of this article in order to prepare the conditions for subsequent empirical analysis.The fifth is empirical analysis.Based on the relevant conditions of the research design,the correlation analysis and regression analysis of the variables selected in this article are carried out.At the end are conclusions and recommendations.Summarize the full text and put forward some policy recommendations to increase residents’ willingness to use consumer financial products based on the above analysis.Through analysis,this article finds that performance expectation has a positive impact on residents’ willingness to use consumer financial products;Social interaction has a positive impact on residents’ willingness to use consumer financial products;Perceived risk has a negative impact on residents’ willingness to use consumer financial products.The use cost has a negative impact on residents’ willingness to use consumer financial products.Therefore,the main body of the Internet consumer finance business needs to consider these influencing factors and continue to innovate products to better meet the needs of consumers.