基于金融消费者权益保护视角的网上银行感知风险探讨

文章基于金融消费者权益保护视角,对网上银行感知风险进行了初步探讨。把感知风险理论运用于网上银行领域,提出了网上银行感知风险的时间风险、功能风险、人身风险、财务风险、社会风险、心理风险等维度,并对这六个维度进行了分析。对金融消费者网上银行感知风险识别状况进行了调查,深入分析了网上银行消费权益保护困难的原因,在此基础上,提出了有针对性的应对网上银行感知风险的策略。     

顾客参与、感知控制、感知风险与服务质量的关系研究——以网上银行为例

互联网开启了服务业渠道变革的新篇章,各大银行也开始争夺网络资源以增强竞争力,网上银行服务质量的提升成为了研究的焦点。通过建立概念模型和提出假设,采取调查问卷的方式收集一手资料,运用SPSS软件和AMOS结构方程模型进行统计检验,探求顾客参与、感知控制、感知风险与网上银行服务质量之间的关系。结果表明顾客参与对感知控制有正向影响,对感知风险有部分负向影响,对服务质量有部分正向影响,感知控制对服务质量有正向影响,感知风险对服务质量有负向影响,而且将感知控制和感知风险作为中介变量引入顾客参与对服务质量的影响路径后,发现影响因子变大。最后,据此提出提升网上银行服务质量的相关建议。     

网上银行顾客感知价值对银行顾客资产的影响

本文引入顾客感知价值衡量消费者对网上银行的感知,将其分为功能价值、情感价值、社会价值、自我效能价值和感知利失五个维度,并建立结构方程模型考察它们对银行顾客资产(价值资产、品牌资产和关系资产)的影响。通过对360位网上银行用户进行问卷调查及分析发现,顾客对网上银行的情感价值、社会价值、自我效能价值这三个维度的感知与银行的品牌资产和关系资产之间具有显著的正向影响,感知利失对二者有显著的负向影响;关系资产是银行顾客资产最重要的驱动因素,商业银行应该通过提高顾客对网上银行的感知程度,来提升银行的顾客资产。     

采购决策风险感知的影响因素分析与建模

采购决策过程中,决策者主观感知到的风险显著影响其个人决策.以往研究较多关注于采购风险的客观描述,而忽略了个体风险倾向、环境信息以及历史记录因素等内外部因素对个体风险感知,进而对其决策的影响.本文在以往研究的基础上,提出相关假设,选取环境因素、历史记录因素、风险倾向等外源、内生变量,建立结构方程模型,验证了内外部因素通过影响个体感知风险而影响个体采购意愿的方式.结果表明,环境因素、供应商因素、风险倾向和历史记录因素对采购决策者的风险感知均存在显著影响.这对从个体认知和行为角度更好地理解采购意愿的形成机理,实现企业科学的采购决策提供了依据.     

C2C电子商务中消费者感知风险的影响因素分析

本文以消费者感知风险为研究对象,对影响消费者感知风险的相关因素进行分析,利用层次分析法对影响消费者感知风险的各个因素进行测评,最后通过分析以及计算得出产品和网络平台因素对消费者感知风险的影响程度相对较大,而社会环境等对消费者感知风险的影响则相对较小。     

创业团队风险感知研究

研究发现风险感知对于创业决策意义重大,本文归纳总结影响风险感知的外部环境因素和内部组织因素,并对风险感知如何影响决策行为过程进行了理论分析,为创业团队风险感知研究提供理论基础,为缓解创业风险提供战略依据.     

基于用户视角的网上支付感知风险研究

感知风险是影响用户行为的主要因素,随着网上支付的日益普及,支付过程中的感知风险也成为关注的焦点.本文在实地访谈和问卷调查的基础上,通过因子分析得到网上支付用户感知风险的四个构面:即隐私风险、法律风险、操作风险和时间风险,其中感知隐私风险水平最高.同时从加快支付企业的业务创新、加大行业监管力度和提高用户风险防范意识这三个方面提出了降低网上支付感知风险的建议.     

从心理学角度研究风险知觉和保险购买意愿相关关系——以旅游短期意外险为例

近年来,随着我国经济社会快速发展,保险业也驶入了发展的快车道,保费增速持续提高,产品服务不断丰富。本研究尝试以应用心理学研究方法,从旅游短期意外险这样一个小险种切入,通过引入对旅游短期意外险的价值感知这一中介变量和消费者的卷入度这一调节变量,研究保险消费者的旅游风险知觉、对保险产品价值的认识和保险产品消费三者之间的相关关系。通过量化分析我们得出结论：保险消费者感知旅游风险越高,对旅游短期意外险的购买意愿越强,消费者对旅游短期意外险的价值感知则中介了这一影响。感知到的旅游风险会让消费者更加能够感知到旅游短期意外险的价值,增强对旅游短期意外险的购买意愿。同时,消费者的卷入度调节了该中介作用,当消费者卷入度较高时,消费者对旅游风险的感知会更加敏感,对旅游短期意外险的价值感知更高,对旅游短期意外险的购买意愿更强,反之亦然。这一结论对其他险种也具有一定借鉴意义。     

从心理学角度研究风险知觉和保险购买意愿相关关系——以旅游短期意外险为例北大核心CSSCI

近年来,随着我国经济社会快速发展,保险业也驶入了发展的快车道,保费增速持续提高,产品服务不断丰富。本研究尝试以应用心理学研究方法,从旅游短期意外险这样一个小险种切入,通过引入对旅游短期意外险的价值感知这一中介变量和消费者的卷入度这一调节变量,研究保险消费者的旅游风险知觉、对保险产品价值的认识和保险产品消费三者之间的相关关系。通过量化分析我们得出结论:保险消费者感知旅游风险越高,对旅游短期意外险的购买意愿越强,消费者对旅游短期意外险的价值感知则中介了这一影响。感知到的旅游风险会让消费者更加能够感知到旅游短期意外险的价值,增强对旅游短期意外险的购买意愿。同时,消费者的卷入度调节了该中介作用,当消费者卷入度较高时,消费者对旅游风险的感知会更加敏感,对旅游短期意外险的价值感知更高,对旅游短期意外险的购买意愿更强,反之亦然。这一结论对其他险种也具有一定借鉴意义。     

各类网上支付模式及消费者感知风险研究

当前,网上支付在我国电子商务领域具有重要作用.论文分析了基于银行卡的五种网上支付重要模式,并从消费者感知风险角度构建网上支付模式元模型,考察了支付流程中消费者的感知风险因素,然后针对五种网上支付模式所隐含的消费者感知风险为我国未来电子商务网上支付的发展方向提出建议,认为我国网上支付系统应进一步加强对消费者个人信息安全和隐私的保护.     

IT governance: Objectives and assurances in internet banking

This paper develops and tests a new factor of the trust model in electronic commerce; namely, internet banking. Internal control of internet banking is very consistent with high levels of trust factors such as security, privacy, and other risk issues. However, this type of association has not yet been widely recognized as a trusted model from the consumer's electronic commerce point of view. This study attempts to create new factors in IT governance and the COBIT (Control Objectives for Information and Related Technologies) assurance seal. The empirical results of this experiment show that customer familiarity with IT governance and the COBIT assurance seal has impacted customers' trust in internet banking. Moreover, the results also show that perceived internet banking quality and reputation impact customers' trust in internet banking. Given the results of this study, we propose future research aimed at developing a COBIT assurance web seal of internal control, applicable to information technology based on IT governance.     

Switching customers from branches to internet: A credit union's journey

This research paper reports how a credit union applied knowledge from the literature to solve a marketing problem. A credit union serves a unique group of customers who may be in the same profession, have the same employer, or simply in the same regional location. The marketing problem is how to switch bank customers from branches to internet for the main reason of reducing transaction costs. The research model comprises the independent factors of customer, transaction, application, and bank; and the dependent variables the number of internet banking transaction, perceived usefulness of internet banking, and willingness to use internet banking measuring different aspects of internet banking. We carried out an on-site survey in different branches of our subject credit union to capture the opinion of customers who rely solely on branches for banking transactions. To our knowledge, this study provides a pioneer internet banking survey in the context of credit unions. The survey results reveal different internet banking facilitators for customers with and without internet bank accounts. For customers with internet bank accounts, application security is the most important facilitator variable for them to continue its use in the future; while promises for continuous improvement can be a prohibitive variable. In order to encourage customers without internet bank accounts to adopt internet banking, the management should focus on strengthening the variables of bank diversified service, bank responsiveness, bank image, and extra online instruction and feedback for complicate internet transactions; and reducing the negative effect of web fun/entertainment. We also found that the variables of proficiency in using computers, application security, and bank image have opposite effects on customers with and without internet bank accounts.     

A partial least squares approach to digital finance adoption

In present times, the adoption and adaption of technology have become empirical. This paper helps in determining the factors of perceived risk and perceived benefits in order to understand the willingness or hesitance of people to adopt digital finance. An attempt is made to study the influence of perceived risk and benefit as the determinants of digital finance adoption. The data were collected from individuals of Northern India through a structured questionnaire. The study collected data from 411 respondents through a structured questionnaire. Partial Least Square Structural Equation Modelling has been adopted to analyze the data through SmartPLSv2. For better understanding, perceived risk constituted three constructs-Security risk, financial risk and performance risk, and perceived benefit included seamless transaction, economic benefit and convenience. The research concluded that both perceived risk and benefits influence the adoption of digital finance. Perceived benefit has more impact on digital finance adoption than perceived risk. The findings of the paper are beneficial for digital finance service providers and marketers to enhance the awareness and advantages of digital finance according to the needs of consumers. The present study adds value to the existing literature on the relationship between perceived risk, perceived benefit and adoption of digital finance.

     

People’s responses to risks of electromagnetic fields and trust in government policy: the role of perceived risk,benefits and control

Trust in government policy affects the way people perceive and handle risks. In our study, we investigated the relationships between trust in government policy regarding electromagnetic fields (EMF), perceived risk and perceived benefits of public and personal EMF sources, perceived control over exposure to EMF and responses to the possible EMF health risk (e.g. protest against placement of mobile phone base stations or power lines, or taking own measures against EMF exposure). Previous research indicated that perceived risk and benefits mediate the relationship between trust and people’s risk responses. Additionally, we suggest that perceived control over EMF exposure affects the relation between trust in government policy and perceived risk, and, consequently, the risk responses. We performed a survey among the Dutch population (n?=?1009), which contained questions about risk responses to EMF, perceived risk and benefits of several EMF sources, trust in government policy and perceived control over EMF exposure. Comparing public EMF sources, i.e. power lines and mobile phone base stations, to personal EMF sources, i.e. microwave ovens and cordless and mobile phones, we tested our hypotheses. Variations in risk responses to both public and personal EMF sources were mainly explained by risk perception. In addition, perceived risk partially mediated the relationship between trust in government policy and risk responses. For public sources, perceived control over exposure weakened the negative relationship between trust and perceived risk. We conclude that, especially in people with low perceived control, a lack of trust in government policy may enhance perceptions of health risks, thereby increasing their inclination for risk responses.     

网银业务纠纷的防范与解决

随着信息技术的进步和互联网的普及,我国网上银行业务得以快速发展.在充分肯定网银业务优越性的同时,也应该看到,由于我国网银业务还处于发展阶段,运行中出现了诸多的问题,甚至损害了客户的利益,以致客户与银行之间出现了不少的纠纷,一定程度上影响到了社会公众的认可度,制约了网银业务的健康发展.该文主要是从研究和解决这些纠纷入手,...     

影子银行：体系、内生性风险及国际监管取向

摘要：全球金融危机后,国际社会从一个新的视角——影子银行体系来分析现代金融体系,并重构现代国际金融监管制度。影子银行体系的有效监管必须具有翔实的微观基础,比如体系边界、风险特征及表现形式等。国际上对影子银行体系并无公认的定义。影子银行具有证券化程度高、信息不透明、杠杆率较高等特征,这直接引致其存在诸多内生性金融风险,国际社会倾向于采用“类银行化”的监管路径对影子银行进行金融监管。国际社会采取的一系列法律、政策措施对我国影子银行监管具有一定的启示。     

Internet banking in the UK: Why are there not more customers?

Despite the increase in the number of internet users recorded by various agencies, the level of increase of internet usage for banking purposes has not increased at the same rate. One reason for this is continuing consumer fear about security which, despite the media coverage and the technical and verbal reassurances provided by the banks, still preys heavily on consumers' minds. Trying to resolve security fears is perceived to be part of the overall service to customers provided by the internet banking service providers. However, customers are continuing to demand increased levels of service quality. The research described in this paper attempted to identify whether or not specific problem areas exist for UK banks in achieving satisfactory performance on key attributes of service quality, particularly security, as perceived by a sample of UK internet banking customers. Using trade-off analysis to interview 56 internet banking customers, five key service quality attributes were identified and ranked. Cluster analysis was then adopted and revealed two groups of respondents. One group was most concerned about security-related issues while the other group was more interested in the convenience, speed and timeliness of the service. Overall, the internet banks were rated as being good on the five attributes except for the attribute ‘product variety/diverse features’. The question that arises from the findings is whether or not good performance by the internet banks on the service quality decision criteria is sufficient in a highly competitive internet environment, not only to attract new customers, but also to retain existing ones.     

网上银行的法律风险管理探讨

随着金融创新和网上银行业务的迅猛发展,网上银行法律风险管理问题日显重要。本文认为中国要借鉴国内外银行在网上银行法律风险管理架构与工作机制等方面的做法与经验,结合中国网上银行法律风险管理现状,着力解决好相关法律条文仍需细化、管理制度执行落实亟待加强、管理配套机制仍显不足、管理运行尚不到位等问题。本文从转变管理思维、创新管理模式、搭建管理平台、打造管理人才队伍、优化管理环境等5个方面,提出了强化网上银行法律风险管理的对策措施,以期为进一步优化网上银行法律风险管理体系并提升风险管理水平提供思路。     

我国商业银行经营投资银行业务对风险影响的实证研究

本文以2009-2018年19家商业银行为研究对象,运用波动性分析、相关性分析及面板数据回归分析方法,考察了经营投资银行业务对银行风险的影响。研究结果表明,投资银行收入无明显周期性趋势,波动性明显高于利息净收入,经营投资银行业务会加剧银行业收入的不确定性,但由于收入占比较小,投资银行业务并非造成我国银行业收入波动的主要因素。多数银行的投资银行收入与利息净收入表现为正相关性,银行难以通过经营投资银行业务实现风险分散目的。投资银行业务对银行风险影响的回归结果较为显著,随着投资银行收入在银行收入结构中的权重越来越大,银行多元化收入程度随之加深,银行风险也随之下降。     

The effect of heterogeneous risk on the early adoption of Internet banking technologies

Financial service providers have increasingly offered customers new remote access to such services, with Internet banking being the latest example. While Internet banking has been available for years, the early adoption by customers of this technology was disappointing to most. This paper examines the demand for remote access to banking accounts by consumers and finds that when the technology is new, the traditional risk return models including variables allowing for heterogeneous risk add power in modeling the adoption decision. Perceived risks in Internet banking are seen to be responsible for some of the hesitation to adopt. Ironically, older consumers are found to be less likely to adopt Internet banking regardless of their risk tolerances. However, younger consumers are found to be early adopters only when they have relatively high levels of risk tolerance.