本文選題：互聯(lián)網(wǎng)金融 + 互聯(lián)網(wǎng)理財(cái)產(chǎn)品��； 參考：《天津大學(xué)》2014年碩士論文

【摘要】：隨著信息技術(shù)的提高,電子商務(wù)及網(wǎng)絡(luò)社群等新興商業(yè)模式應(yīng)運(yùn)而生,互聯(lián)網(wǎng)引領(lǐng)的各種商業(yè)模式正悄然改變著人們的生活方式。網(wǎng)絡(luò)的深入應(yīng)用,使互聯(lián)網(wǎng)進(jìn)入了各個(gè)行業(yè),并給人們的生活帶來(lái)了革命性的改變。近幾年,互聯(lián)網(wǎng)牽手傳統(tǒng)金融行業(yè),一個(gè)新興的金融模式——互聯(lián)網(wǎng)金融相伴而生�；ヂ�(lián)網(wǎng)金融在技術(shù)的浪潮中得到快速的發(fā)展。時(shí)下,“余額寶”、“百發(fā)百賺”等互聯(lián)網(wǎng)理財(cái)產(chǎn)品的不斷涌現(xiàn),使得互聯(lián)網(wǎng)理財(cái)行業(yè),甚至是傳統(tǒng)理財(cái)行業(yè)的競(jìng)爭(zhēng)變得日益加劇。面對(duì)激烈的市場(chǎng)競(jìng)爭(zhēng),如何真實(shí)地了解互聯(lián)網(wǎng)理財(cái)者的購(gòu)買(mǎi)需求,利用有針對(duì)性的策略來(lái)提高互聯(lián)網(wǎng)理財(cái)產(chǎn)品競(jìng)爭(zhēng)力,從而更加有效地影響理財(cái)者的購(gòu)買(mǎi)意愿,促進(jìn)理財(cái)者購(gòu)買(mǎi)是十分值得研究和探討的。盡管?chē)?guó)內(nèi)外學(xué)者已從對(duì)傳統(tǒng)金融的影響、商業(yè)模式創(chuàng)新、風(fēng)險(xiǎn)及監(jiān)管等角度,對(duì)互聯(lián)網(wǎng)理財(cái)產(chǎn)品進(jìn)行了一些有價(jià)值的探索,但是有關(guān)互聯(lián)網(wǎng)理財(cái)產(chǎn)品購(gòu)買(mǎi)行為的研究多是描述性分析,研究的理論視角也不夠清晰,而關(guān)于互聯(lián)網(wǎng)理財(cái)產(chǎn)品購(gòu)買(mǎi)意愿的實(shí)證研究更是少之又少,有鑒于此,為使學(xué)術(shù)界和實(shí)務(wù)界更準(zhǔn)確地了解互聯(lián)網(wǎng)理財(cái)產(chǎn)品購(gòu)買(mǎi)意愿的影響因素的構(gòu)成及重要性程度,本文在確定互聯(lián)網(wǎng)理財(cái)產(chǎn)品購(gòu)買(mǎi)意愿的影響因素之后,采用RBF神經(jīng)網(wǎng)絡(luò)評(píng)價(jià)方法來(lái)模擬互聯(lián)網(wǎng)理財(cái)產(chǎn)品的購(gòu)買(mǎi)過(guò)程,并根據(jù)實(shí)證結(jié)果對(duì)互聯(lián)網(wǎng)理財(cái)產(chǎn)品的競(jìng)爭(zhēng)力提升方面提出全面系統(tǒng)的合理化建議。具體而言,本研究的主要內(nèi)容如下:第一章在介紹互聯(lián)網(wǎng)金融及互聯(lián)網(wǎng)理財(cái)相關(guān)理論的基礎(chǔ)上提出本文的研究問(wèn)題,指出本研究的研究意義和目的,并介紹本研究的主要內(nèi)容、研究方法及本文創(chuàng)新點(diǎn)。第二章梳理關(guān)于互聯(lián)網(wǎng)理財(cái)、購(gòu)買(mǎi)意愿、RBF神經(jīng)網(wǎng)絡(luò)的相關(guān)理論文獻(xiàn)。第三章詳述本文理論研究的方法、問(wèn)卷的設(shè)計(jì)情況、調(diào)研數(shù)據(jù)的整理,并對(duì)問(wèn)卷樣本做描述性統(tǒng)計(jì)分析,進(jìn)而得出關(guān)于問(wèn)卷采樣效果的結(jié)論。第四章選用因子分析及信度效度檢驗(yàn)方法,驗(yàn)證數(shù)據(jù)的有效性,考量各影響因素之間的相關(guān)性,進(jìn)而驗(yàn)證因素選取的適用性。第五章基于RBF神經(jīng)網(wǎng)絡(luò)模型,來(lái)模擬互聯(lián)網(wǎng)理財(cái)產(chǎn)品的購(gòu)買(mǎi)過(guò)程,進(jìn)而得出各因素的重要性排序結(jié)果,并通過(guò)對(duì)互聯(lián)網(wǎng)理財(cái)產(chǎn)品各影響因素的深入分析,為互聯(lián)網(wǎng)理財(cái)產(chǎn)品在競(jìng)爭(zhēng)力提升方面提出相關(guān)合理化建議。第六章為全文的總結(jié)與展望。
[Abstract]:With the improvement of information technology, new business models such as e-commerce and network community emerge as the times require, and various business models led by the Internet are quietly changing people's way of life. With the deep application of Internet, the Internet has entered various industries and brought revolutionary changes to people's lives. In recent years, the Internet hand in hand with the traditional financial industry, a new financial model-Internet finance accompanies. Internet finance is developing rapidly in the tide of technology. Nowadays, the continuous emergence of Internet financial products such as Yu'e Bao and Baifa hundred profit makes the competition between the Internet financing industry and even the traditional financial management industry more and more intense. In the face of fierce market competition, how to truly understand the purchase needs of Internet financial managers and use targeted strategies to improve the competitiveness of Internet financial products, so as to more effectively affect the willingness of financial managers to buy, It is worth studying and discussing to promote the money manager purchase. Although scholars at home and abroad have made some valuable explorations on Internet financial products from the perspectives of influence on traditional finance, innovation of business model, risk and supervision, etc. However, the research on the purchase behavior of Internet financial products is mostly descriptive analysis, and the theoretical perspective is not clear enough, and the empirical research on the purchase intention of Internet financial products is rare. In order to make the academic and practical circles understand more accurately the composition and importance of the factors influencing the purchase intention of Internet financial products, this paper determines the influencing factors of the intention of purchase of Internet financial products. The RBF neural network evaluation method is used to simulate the purchase process of Internet financial products, and based on the empirical results, a comprehensive and systematic rationalization proposal is put forward to enhance the competitiveness of Internet financial products. Specifically, the main contents of this study are as follows: the first chapter introduces the related theories of Internet finance and Internet financing, points out the significance and purpose of this research, and introduces the main contents of this study. Research method and innovation of this paper. The second chapter combs the related theoretical literature about Internet financing, purchase intention and RBF neural network. In the third chapter, the methods of theoretical research, the design of the questionnaire, the arrangement of the survey data, and the descriptive statistical analysis of the questionnaire samples are described in detail, and then the conclusion about the sampling effect of the questionnaire is obtained. In the fourth chapter, factor analysis and reliability validity test are used to verify the validity of the data and the correlation between the factors, so as to verify the applicability of the selection of factors. The fifth chapter is based on RBF neural network model to simulate the purchase process of Internet financial products, and then get the ranking results of the importance of each factor, and through the in-depth analysis of the impact factors of Internet financial products. For the Internet financial products in the competitiveness of the relevant rationalization of the recommendations. The sixth chapter is the summary and prospect of the full text.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F724.6;F832.2

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