P2P网络借贷研究文献综述

与传统的银行贷款相比,P2P网络借贷从其诞生之日起就伴随着各种争议。目前,P2P网络借贷是一个相对较新的研究领域。文章首先叙述了当前主要P2P在线平台的运营模式,此外从"硬因素"和"软因素"两方面来分别阐述它们对贷款成功率的影响,由此得出了借贷双方信息不对称、网络安全风险和借新账还旧账等P2P网络借贷的三大风险。最终,在总结已有的研究成果的基础上,提出了自己对P2P网络借贷未来发展和研究方向的见解。     

The role of the brand in driving online loyalty for multichannel retailers

Multichannel retailers offer shoppers the possibility to cross channels to complete their shopping process. Multichannel retailers, unlike pure online sellers, offer shoppers multiple contact points to experience the brand. Also, multichannel retailers can leverage the trust and attachment to their brands that has been built with their offline presence to drive customers to buy online. Our paper explores the role of the customer relationship with the brand, with variables such as brand trust, brand attachment and length of brand relationship, as drivers of loyal behaviours towards the online channel. We compare the impact of these variables with those of the technology acceptance model. Multiple linear regression analysis is applied to data collected through a survey answered by 1533 multichannel retail shoppers in two product categories (apparel and consumer electronics) in two countries (UK and Spain). Our findings show that both brand trust and brand attachment have a positive impact on loyal behaviours towards the online channel, and that different loyalty behaviours, i.e. purchase intentions, word of mouth and electronic word of mouth are explained by different variables.     

热电厂能耗在线监测系统的应用研究

为了加强对能源消耗的监督,督促各用能单位不断调节运行方式,提高能源利用效率。通过对热电厂能耗系统的分析,基于电厂分散控制系统(DCS),利用能耗监测端设备,采集煤耗、发电量、水、汽、粉尘排放数据等,实现实时数据在线监测,达到监督检测目的。本文分析研究了能耗在线监测的系统设计思路、总体结构、主要功能模块、关键技术分析和系统配置等方面的问题,阐述了实施能耗监测的措施与方法,论证了能耗在线监测的可行性,实现在线传输与监测目的。通过监控平台实现调度协调,现场调整。     

网购平台信用评价体系系统研究

近年以来,网络购物取得了爆发式增长,给人民带来便利的同时,网络诚信问题也随之凸显。网购平台的信用评价系统是解决网络诚信问题的重要工具。本文以国内最大网购平台淘宝为例,系统研究了淘宝信用评价系统的优劣,存在的问题及原因,并就如何优化淘宝的信用评价系统给出了相关建议。     

感知风险理论在网上购物中的应用

感知风险理论几十年的发展证明其在解释消费者行为方面的适用性。国外相关研究显示:消费者对风险的感知是阻碍其网上购物的一个重要因素。本文分析了消费者对网上购物的风险感知情况,包括网上购物感知风险的概念,感知的风险类型、风险表现及风险来源,并提出了降低风险的建议。     

The effect of multi-purpose shopping on pricing and location strategy for grocery stores

Though it is a well-accepted fact that consumers indulge in multi-purpose shopping, most previous models of store choice assume that grocery shopping trips are single-purpose trips. This paper provides the first empirical analysis of multi-purpose shopping using data on actual shopping trips. A latent class factor analytic logit model is proposed, which provides a representation of the market structure of grocery store competition, while integrating; multi-purpose shopping, retail pricing format and location strategy. We conclude that incorporating multi-purpose shopping trips provides a better understanding of the competitive market structure, and discuss the managerial implications for the selection of marketing strategies.     

The effect of dynamic retail experiences on experiential perceptions of value: an internet and catalog comparison

The authors introduce cognitive continuum theory (CCT) as a theoretical framework to examine the effect of consumer shopping tasks and retail information display properties on consumer perceptions of experiential value. In this empirical investigation, the nature of a consumer’s shopping task is found to exert a direct influence on consumer perceptions of efficiency, economic value, and shopping enjoyment, all active dimensions of value. In addition, congruent interactions between shopping task and retail information display properties exert an enhancing effect on the reactive dimensions of value, as evidenced by perceptions of visual appeal, entertainment value, and service excellence. Future application of CCT is outlined and managerial implications are discussed.     

顾客网络购物满意度影响因素研究

本文采用内容分析法对淘宝网在线顾客评论内容进行了编码分析,并通过归纳评论内容要素、绘制网络购物顾客满意度影响因素总体框架结构图,提出材质、价格和尺码是顾客关注的三类要素,质量、社会价值、卖家服务、物流服务、尺码、顾客成本、产品描述和顾客期望是影响网络购物顾客满意度的影响因素。研究显示其中顾客期望对网络购物顾客满意度有显著负向影响,而其他7种因素对网络购物顾客满意度有显著正向影响。     

商业银行网上资金转移的法律风险及其防范

网上资金转移是在计算机技术基础上发展起来的新型金融资金收付、结算方式,与传统方式相比,具有便捷、费用低等优点,同时也会产生网络材料的证据能力不足等法律问题。商业银行应采取相应的措施,防范和减少网上资金转移所面临的各种法律风险。     

网上竞买及其法律问题探析

随着电子商务的发展,在网上以竞价方式来进行商务活动已成为电子商务的一种主要形式。本文在网上竞买的概念、特点分析的基础上,对网上竞买与网上拍卖的差异及其存在的问题进行了探讨。