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基于数据挖掘的网络众筹模式下用户参与动机研究
引用本文:顾洲一,邱瑾.基于数据挖掘的网络众筹模式下用户参与动机研究[J].征信,2020,38(2):18-26.
作者姓名:顾洲一  邱瑾
作者单位:浙江金融职业学院,浙江杭州310018,浙江财经大学,浙江杭州310018
基金项目:基本科研业务费项目;浙江省教育厅一般项目;教育部人文社会科学研究项目;杭州市哲学社会科学规划项目
摘    要:以用户参与网络众筹的动机为研究目的,基于整合的技术接受模型(UTAUT)和自我决定理论,构建动机测度量表。选取杭州市公众作为调研对象,采用问卷的方式获取用户行为数据,运用非平衡样本处理算法使少数类样本信息得到平衡,并通过机器学习分类器挖掘影响用户参与的重要动机。研究发现:学历和经验是两个显著控制变量;绩效期望是用户参与网络众筹的首要动机维度,且内外激励因素并驱作用;外在激励中经济收益最为显著,内在驱动因素中同情心起到重要作用;信任动机对网络众筹参与也存在显著的正向调节作用。根据研究结论,探索新的收益模式、构建安全的投资平台,有助于网络众筹行业的绿色可持续发展。

关 键 词:参与动机  UTAUT模型  非平衡样本  随机森林  信任动机

Study on Users' Motivation for Participating in Online Crowdfunding Based on Data-mining
Gu Zhouyi,Qiu Jin.Study on Users' Motivation for Participating in Online Crowdfunding Based on Data-mining[J].征信,2020,38(2):18-26.
Authors:Gu Zhouyi  Qiu Jin
Institution:(Zhejiang Financial College,Hangzhou 310018,Zhejiang,China;Zhejiang University of Finance and Economics,Hangzhou 310018,Zhejiang,China)
Abstract:This article,taking users’motivation for getting involved in online crowdfunding as its research objective,constructs a motivation gauging scale based on the UTAUT(unified theory of acceptance and use of technology)model and Self-determination theory.It selects the citizens of Hangzhou as surveying objects and obtains users’behavior data by questionnaires.Minor class sample information get balanced by applying the imbalanced sample processing algorithm and the important motivation behind users’participation is explored by making use of the machine-learning classifier.The research finds:academic qualifications and experience are two marked controlling variables;performance expectation is users’primary motivation dimension in participating in online crowdfunding;internal and external incentive factors work together;economic return is the most significant factor among external incentives and sympathy plays an important role in internal driving forces;the motivation of trust demonstrates a remarkably positive role in adjusting online crowdfunding.According to the research conclusions,this article argues that it helps to promote the green and sustainable development of the online crowdfunding industry to explore new economic return model and construct secure investment platforms.
Keywords:participation motivation  UTAUT model  imbalanced sample  random forest  motivation of trust
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