集成定性模拟和实证的个人网上银行使用意愿研究-管理科学与工程专业论文.docxVIP

华 华 中 科 技 大 学 硕 士 学 位 论 文 II II Abstract Nowadays，internet economy has been getting a fast development. In the process of internet transaction，online payment has been becoming more and more important because of its convenience， in which the proportion of individual transaction is always increasing. Ereli’s data shows that online banking transaction in 2008 amounted to 320.9 Trillion Yuan， accounting for 8.1% by personal online banking. But in all of the internet users， only 30.8% are users of personal online banking. Therefore，academics and banking issues have been paying attention to researc