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关于网上银行持续使用意愿的实证研究
尊敬的先生/女士:
您好! 本研究的主要目的在于了解当前用户对网上银行持续使用行为的影响因素。您只需使用过网上银行,然后根据您对网上银行的看法作答。这份问卷将会占用您大约 3 分钟的时间。问卷以匿名的方式进行,我们将负责对您所有的回答严格保密。 非常感谢您的支持! ~O(∩_∩)O~

第一部分:个人背景资料 这部分的问题是要了解您目前的现状,帮助我们根据这些资料来做统计分析,请依据您的现状,在适当的选项上标注(涂红即可)。 1、您的性别是? 1)男性 2)女性 2、您的年龄是? 1)20 岁以下 2)20--29 岁 3)30--39 岁 4)40—49 岁 5)50 岁以上 3、教育程度: 1)高中及以下 2)大学(包括专科、本科) 3)研究生 4)博士 职业: 1)学生 2)企业职员 3)家庭主妇 4)企业主/自雇人士 5)公务员 6)专业人事(教师、律师、医生等) 7)其他 4、您的月工资是多少? 1)1000元以下 2)1000-2000元 3)2000-3000元 4)3000-4000元 5)4000元以上
第二部分:网络银行使用情况
5、使用网银的历史: 1)从未用过 2)1 年以内 2)1~3 年 3)3~5 年 4)5 年以上 6、网银使用频率: 1)从未用过 2)一周3次以下 3)一周3次以上 4)几乎每天 7、您最常使用的是以下哪个银行的网银? 1)工商银行 2)建设银行 3)中国银行 4)农业银行 5)其他(银行名字______) 8、您常用以下哪些网银服务? 1)账户余额和交易查询 2)网上支付 3)转账 4)按揭贷款 5)金融信息查询 6)基金、股票、投资理财 7)其他 9、您曾经更换过网上银行吗? 1)没有 2)一次 3)两次 4) 两次以上 更换的原因是________________________

第三部分:对网络银行的态度 请您就目前对网上银行使用的认识,依您的直觉在适当的数字上标注。例如:假如您
对“我喜欢网上银行”非常同意时,您可以标注5。假如您觉得非常不同意时,请您选l。每个选题分成 5个尺度,数字从 1(非常不同意)到 5(非常同意)。

|期望确认度 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|使用该网银的经历比我期望的要好 |① |② |③ |④ |⑤ |
|该网银的服务水平比我期望的要好 |① |② |③ |④ |⑤ |
|使用该网银的经验整体上满足我的预期 |① |② |③ |④ |⑤ |
|总体来说,大部分对该网银的使用预期得到了确认 |① |② |③ |④ |⑤ |

|感知有用性 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|使用网上银行,能更方便地完成相关金融操作或相关交易 |① |② |③ |④ |⑤ |
|使用网上银行,能更快地完成相关金融操作或相关交易 |① |② |③ |④ |⑤ |
|使用网上银行,能提高我进行相关金融操作的效率 |① |② |③ |④ |⑤ |
|总体来说,使用网上银行,对我进行金融服务或相关交易很有用 |① |② |③ |④ |⑤ |

|服务质量 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|网上银行能够快速及时的处理并回复我的问题 |① |② |③ |④ |⑤ |
|网上银行具备了良好的知识及技能来满足我所需的服务 |① |② |③ |④ |⑤ |
|网上银行不断提高服务质量并推出新的业务来满足我的需求 |① |② |③ |④ |⑤ |
|网上银行了解使用者个别的需求,并提供个性化的服务 |① |② |③ |④ |⑤ |
|系统质量 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|网上银行系统使用容易 |① |② |③ |④ |⑤ |
|网上银行系统的使用步骤清晰明了 |① |② |③ |④ |⑤ |
|网上银行系统的加载时间比较合理 |① |② |③ |④ |⑤ |
|网上银行系统比较稳定,使用安全 |① |② |③ |④ |⑤ |

|信任度 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|我相信该网上银行不会泄露我的个人账户信息 |① |② |③ |④ |⑤ |
|我相信在不监督的情况下网上银行也会正确谨慎的处理我的个人数 |① |② |③ |④ |⑤ |
|据 | | | | | |
|我相信网上银行能保证对客户的利益最大化 |① |② |③ |④ |⑤ |
|我相信网上银行能保证对客户的承诺 |① |② |③ |④ |⑤ |
|总体来说,网上银行是值得信赖的 |① |② |③ |④ |⑤ |

|习惯 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|使用该网上银行已经成为我的习惯 |① |② |③ |④ |⑤ |
|遇到支付转账等事情时,我理所当然的选择该网上银行 |① |② |③ |④ |⑤ |
|我已经习惯于对该网银的操作 |① |② |③ |④ |⑤ |
|用该网银对我来说是很自然而然的事情 |① |② |③ |④ |⑤ |
|用该网银对我来说已成为自发的事情 |① |② |③ |④ |⑤ |

|感知价值 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|选用网上银行所获得的服务,我所付出的金钱是值得的 |① |② |③ |④ |⑤ |
|选用网上银行所获得的服务,我所付出的精力是值得的 |① |② |③ |④ |⑤ |
|选用网上银行所获得的服务,我所付出的时间是值得的 |① |② |③ |④ |⑤ |
|选用网上银行所获得的服务,我所承担的风险是值得的 |① |② |③ |④ |⑤ |
|总体来说,选用网上银行给我提供了很大的价值 |① |② |③ |④ |⑤ |

|满意度 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|使用该网上银行我感到满意 |① |② |③ |④ |⑤ |
|使用该网上银行我感到高兴 |① |② |③ |④ |⑤ |
|使用该网上银行我感到满足 |① |② |③ |④ |⑤ |
|使用该网上银行令我欣喜 |① |② |③ |④ |⑤ |
|总体来说,该网上银行令我满意 |① |② |③ |④ |⑤ |

|持续使用意愿 |非常不同意 |不同意 |一般 |同意 |非常同意 |
|将来我会用网上银行更多方面的服务 |① |② |③ |④ |⑤ |
|将来我会提高使用网上银行的频率 |① |② |③ |④ |⑤ |
|我会强烈推荐别人使用网上银行 |① |② |③ |④ |⑤ |
|总体来说,我打算以后继续使用网上银行 |① |② |③ |④ |⑤ |

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