基于Logistic模型和TAM模型的数字人民币使用意愿影响因素分析

随着应用场景日渐丰富，数字人民币正加速融入百姓生活，其在转变人民币使用方式、助力消费和实体经济复苏等方面发挥了积极作用。作为法定货币，数字人民币具有节省、安全、普惠等特点，以数字经济为代表的科技创新催生了基础金融服务水平与效率，为构建发展新格局提供了有力支撑。通过利用Logistic工具和TAM模型分别从客户对于数字人民币的接受意愿和使用意愿来开展研究，对影响数字人民币使用意愿的影响因素进行分析，探索数字人民币的应用场景，以促进数字人民币健康发展。

Analysis of Influencing Factors of Willingness to Use Central Bank Digital Currencies Based on Logistic Model and TAM Model

With the increasingly rich application scenarios of Central Bank Digital Currencies, a new round of CBDC pilot is accelerating into people''s lives, which plays a positive role in promoting consumption recovery and boosting the real economy. As legal tender, the CBDC is economical, safe and inclusive. Technological innovation represented by the digital economy has promoted the level and efficiency of basic financial services, provided strong support for the construction of a new development pattern. Through the use of Logistic tools and TAM model, customers'' willingness to accept and CBDC were studied, the influencing factors of their willingness to use CBDC was analyzed, and the application scenarios of CBDC was explored, so as to promote the healthy development of CBDC.